About the role

Zone Credit Manager - Used / New Car

Job Summary:

The Zone Credit Manager for Used/New Cars plays a pivotal role in optimizing financing and credit approvals within the automotive space. This position aims to enhance customer experience while mitigating risk and maximizing profitability for the dealership's financing programs.

Key Responsibilities:

Evaluate and approve credit applications to ensure compliance with company financing standards.
Collaborate with sales teams to develop financing solutions tailored to customers' needs, maximizing conversion rates.
Analyze market trends and financing products to recommend competitive offers that attract and retain customers.
Conduct regular training sessions for sales personnel on financing options and credit policies.
Monitor performance metrics and adjust strategies to meet financing goals and improve overall profitability.
Establish and maintain strong relationships with lenders and financial institutions to negotiate favorable terms.
Prepare reports on financing activities, risk assessment, and compliance for upper management review.

Requirements:

Bachelor's degree in Finance, Business Administration, or related field.
Minimum of 3 years experience in automotive financing, credit management, or a related field.
Strong understanding of credit risk assessment and financial analysis.
Excellent negotiation skills with the ability to build partnerships with lenders.
Exceptional communication and interpersonal skills to liaise effectively with customers and internal teams.
Proficiency in using financing software and CRM systems.
Ability to work in a fast-paced environment and make sound decisions under pressure.

Preferred Qualifications:

Experience in managing credit operations for both new and used car dealerships.
Master's degree in Finance or related field.
Familiarity with automotive sales processes and dealership operations.
Track record of achieving and exceeding financing targets.
Certification in credit management or finance (e.g. CCE, CPP) is a plus.

Benefits:

Competitive salary with performance-based incentives.
Comprehensive health, dental, and vision insurance.
401(k) retirement plan with employer matching.
Employee discounts on vehicle purchases and services.
Opportunities for professional development and advancement within the company.
Flexible work schedule to promote work-life balance.
Supportive and collaborative team environment.

Zone Credit Manager - Used/New Car