Credit Analyst (M/F), Lyon

  Transport is at the core of modern society. Imagine using your expertise to shape sustainable transport solutions for the future? If you seek to make a difference on a global scale, working with next-gen technologies and the sharpest collaborative teams, then we could be a perfect match.  Purpose of the job   The Credit & Risk Analyst has to secure timely decisions and effective management of credit applications. The Credit & Risk Analyst will provide the highest level of customer service to dealers, customers, the VolvoGroup, and Volvo Financial Services personnel supporting Volvo Financial Services becoming a world classfinance company. As Credit Analyst, you will deliver timely commercially balanced credit recommendations and decisions,within stated credit parameters and delegations. Responsibilities KEY RESPONSIBILITIES Review and decide/propose retail credit transactions within delegated authority Make full assessments with the potential customers, including eventually visit to customers (business-trips). Prepare the credit application and present it to higher Credit Authorities. Perform at the highest quality levels and follow Volvo policies and routines. Follow Credit Directives, Policies and guidelines which will minimize risk, manage and improve underwriting and portfolio quality. Interact with Dealers, Customers, Volvo Group Business Areas and VFS Sales Department, when needed, to negotiate loan & lease structuring, pricing, and collateral analysis requirements for transactions. Closely cooperates with customer and Volvo employees in full & detailed data receipt concerning potential customer and project in general. Participate, when required, in review and negotiation of documentation with Customer and Departments of Volvo Group. Perform all needed administrative tasks linked to Credit activities Assess and make proposals on “Contract change” (Credit SAV) applications Perform all KYC&AML controls and keep updated the internal UBO database Who are you? EDUCATION & PROFESSIONAL EXPERIENCE Bachelor degree (economics or finance) Solid experience in credit risk analysis department oriented to asset financing (operating lease, financial lease, renting…); At least 3/5 years of experience in vendor/captive finance leasing/captive business (preferably in any of automotive/transportation/construction sectors); Very good financial understanding Strong business understanding COMPETENCIES & SKILLS Thorough understanding of the business of VFS, the Volvo Group products and the customers / dealers businesses Good level of English (oral/written) High communication and analytical skills Very good team worker, initiative, results oriented High flexibility and engagement Fast learner COMPENTENCIES AND SKILLS Understanding of the business of VFS, the Volvo Group products and the customers / dealers businesses Very good level of English (oral/written) High communication and analytical skills Very good team worker and results oriented High flexibility and engagement Fast learner We value your data privacy and therefore do not accept applications via mail.    Who we are and what we believe in  Our focus on Inclusion, Diversity, and Equity allows each of us the opportunity to bring our full authentic self to work and thrive by providing a safe and supportive environment, free of harassment and discrimination. We are committed to removing the barriers to entry, which is why we ask that even if you feel you may not meet every qualification on the job description, please apply and let us decide.   Applying to this job offers you the opportunity to join Volvo Group. Every day, across the globe, our trucks, buses, engines, construction equipment, financial services, and solutions make modern life possible. We are almost 100,000 people empowered to shape the future landscape of efficient, safe and sustainable transport solutions. Fulfilling our mission creates countless career opportunities for talents with sharp minds and passion across the group’s leading brands and entities.    At Volvo Financial Services , we are working together to shape the world we want to live in. As the captive finance arm of the Volvo Group, VFS provides financial services and solutions that meet the needs of our customers’ evolving business. Through our dedication to innovation, we support society in its adoption of sustainable transport and equipment solutions. VFS is headquartered in Greensboro, North Carolina, USA and serves Volvo Group customers and dealers in more than 50 markets.