Senior Retail Credit Risk Specialist - Collections

Location:St Leonards
Job Type:Contract/Temp

Toyota Financial Services is the country's largest automotive financier. With over 30 years’ experience in the Australian market, an extensive network of regional offices and as a leader within the worldwide business group, we pride ourselves in understanding and listening to our guests.

Our unique culture, work approach and business practices make Toyota a successful, global company. We are about more than vehicles and vehicle finance – we are about achieving success in business the ‘right way’ through The Toyota Way philosophy, while continuing to support people and their communities. Our commitment to Continuous Improvement and Respect for People mean our people support each other’s development and success to deliver our global vision of mobility for all.

In this 12 month role you will form part of a team that will be responsible for analysis and reporting on the credit risk lifecycle with a focus on the Collections portfolio.

Your area of responsibilities will include:

  • Governance
    • Enhance and maintain Retail Credit Collections Policy by identify weaknesses and suggest changes when and where required
    • Provides quantified recommendations to CRO for losses above Collections delegated authority.
    • Work with Key Senior Stakeholders to achieve agreement on collections/write-off/debt sale performance, trends and issues.

    • Optimise performance and improve efficiencies across the Retail Credit Life-Cycle.
    • Be aware of industry/economic/technology trends and make suggested improvements where optimisation is identified.
    • Take responsibility for the implementation, monitoring and maintenance of (i) collections (ii) write-off (iii) recovery and (iv) debt sale strategies, policies.
    • Support the development of Collections, Recovery and Debt Sale strategies through account level performance based analytics and design of appropriate champion / challenger tests.

    Controls & Monitoring
    • Assist portfolio management by identifying and monitoring of credit risk triggers including delinquency and loss indicators.
    • Ensure risk reporting supports key risks and risk appetite statements.
    • Support the organisation’s Business Intelligence strategy and roadmap.

    • Build and maintain high trust relationships with internal customers and external auditors and regulators.
    • Act as an approachable advisor to business heads and key lenders by developing continuous and effective communication channels for all stakeholders.
    • Act as a subject matter expert for Retail Credit Risk when and where required.

    To ensure your success in this role, ideally you will have:
    • Experience in working with Collections and the ability to demonstrate an understanding of Collections Operations.
    • Hands-on experience with analytical tools and software (e.g. PowerBI, SQL, SAS) (Preferable)
    • Excellent verbal and written communication and presentation skills (policy writing & dashboard compilation) (Mandatory)
    • Ability to convey complex data in a concise understandable manner
    • Meticulous attention to detail and a focus on quality
    • Proven process re-engineering & policy writing (Mandatory)
    • High level of problem solving skills, decision making capabilities and the capacity to "think outside the box"
    • Collaborative team player and an ability to work independently
    If you’re successful, you’ll undergo background verification checks before you start employment with us.

    If you’re keen to join an organisation that recognises the value you add to our business and this is the role you've been looking for, we'd love to hear from you.