Execute marketing strategies and policies in alignment with company directives and under the guidance of the Regional Sales Manager Commercial Heavy Equipment
Develop and maintain strong, long-term relationships with business partners (dealers, insurance companies) and customers to support portfolio growth
Conduct comprehensive credit surveys of prospective debtors and prepare detailed reports in compliance with company policies and regulatory standards
Ensure accurate and complete completion of credit application documentation from prospective debtors
Verify and ensure the completeness of all required credit application documents prior to submission
Oversee and monitor the end-to-end credit application process through to final credit approval
Perform collateral appraisals for primary (used units) and/or additional collateral (vehicles/used equipment) in accordance with established valuation standards
Communicate credit decisions effectively to business partners and prospective debtors
Coordinate and facilitate the execution of credit agreement signings by all relevant parties
Monitor disbursement processes, product payments, and refunds to business partners to ensure accuracy and timeliness
Track and analyze debtor payment performance using AR aging tools throughout the loan tenure, and proactively develop solutions to ensure timely repayment and portfolio quality.
Qualifications
Bachelor's degree (S1) in any discipline with a minimum GPA of 3.00
Minimum of 3 years experience in fleet financing within a multifinance company or banking institution
Strong interpersonal and communication skills, with a demonstrated ability to build relationships and collaborate effectively across teams
Excellent analytical and problem-solving capabilities, with a strategic and comprehensive approach to decision-making
Strategic and innovative mindset, results-oriented, and driven to support sustainable business growth
