Credit & Collection Supervisor

at  Spotawheel

We are changing the way people buy cars, fixing the largely broken used cars sector.
Spotawheel, an Endeavor company, is a trusted high-tech used cars B2C platform that redesigned the whole buy-sell process from scratch, ensuring value, transparency and customer satisfaction at the highest levels throughout.
Launched in 2015, we are currently incorporated in 3 countries, growing aggressively towards our mission of disrupting the €500 billion European market. Spotawheel has been recognized as one of Europe’s fastest-growing companies for three consecutive years, 2021, 2022 & 2023, by the Financial Times.
Unlike traditional used car dealers, we rely on advanced proprietary technology to be much more efficient and effective in the way we work, being able to sustain top vehicle quality and customer experience at large scale.
Our people at Spotawheel are our driving force, trusting them to meet and exceed our customers’ expectations. We invest in our people first and foremost, so that we can create a culture of excellence, recognition and ethics that is above all fun to be a part of.
We are currently looking for a Credit & Collection Supervisor to join our F&I Team in Romania.
As a Credit & Collection Supervisor you will be responsible for ensuring leasing applications are approved with independent due diligence, adhering to regulatory and credit guidelines. You will also be responsible for the management and coordination of the accounts receivable functions.

Your Key Responsibilities will be to:

• Adhere to company credit policies and procedures that retain a smooth running of the department and avoid excessive credit limits
• Assess credit for car leasing applications
• Process financial data, perform credit check and inspection of all related documentations
• Run the Know Your Customer process
• Identify and escalate potential red flags including fraud detection
• Offer recommendation for Exception Approvals to Management
• Review Appeal Cases with Management
• Oversee the collection of outstanding credit and invoices to minimize profit loss while ensuring it is handled appropriately and per company policy
• Run reports and analyse data pertaining to delinquencies and share with executive staff and managers as needed
• Communicate with clients to build and maintain a strong relationship and reduce the number of default payments
• Liaise and communicate with Legal dept. to accelerate legal actions and asset repossession

REQUIREMENTS

• BSc in Accounting, Economics, Banking and Finance or relevant field
• 3+ years of experience in credit underwriting/evaluation is a must
• 3+ years of experience either in the Banking or in the Automotive industries and leasing companies is a plus
• Hands-on experience with accounting software and accounting receivable processes
• Excellent analytical skills, with the ability to create and process financial spreadsheets
• Strong communication and negotiation skills
• Excellent command of the English language, both written and verbal

• Adhere to company credit policies and procedures that retain a smooth running of the department and avoid excessive credit limits
• Assess credit for car leasing applications
• Process financial data, perform credit check and inspection of all related documentations
• Run the Know Your Customer process
• Identify and escalate potential red flags including fraud detection
• Offer recommendation for Exception Approvals to Management
• Review Appeal Cases with Management
• Oversee the collection of outstanding credit and invoices to minimize profit loss while ensuring it is handled appropriately and per company policy
• Run reports and analyse data pertaining to delinquencies and share with executive staff and managers as needed
• Communicate with clients to build and maintain a strong relationship and reduce the number of default payments
• Liaise and communicate with Legal dept. to accelerate legal actions and asset repossessio