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Sr. Director if candidate possesses:
Primary Responsibilities:
Oversight of the development and management of THD's Trade Credit Program which includes:
Outlining strategic staffing plan for the Trade Credit Team
Implementation of Trade Credit policy
Optimization and efficiency of the team
Oversight of credit risk policies for THDs proprietary credit programs (Consumer and Commercial Credit, Project Financing, and alternative loan programs)
Thorough understanding of a risk appetite framework and how policy modification impacts outcomes
Balances and appropriately assesses risk/losses with sales generation activities
Oversight of decision making on THDs line accommodation program which is THD underwriting of unsecured line requests that Citi is unable to accommodate
Optimize portfolio performance minimizing chargeoffs and maximizing sales
Detailed tracking and analysis of customer accounts through the lifecycle
Evaluation of accounts for other THD credit programs including Trade Credit
Strategic leadership contribution to the direction and optimization of THDs credit programs
Providing input into new initiatives and capabilities and helping shape the direction of credit programs
Understanding how policy changes can impact the customer experience and providing input to ensure changes are aligned to the strategic direction of the team and company
Team Leadership
Providing guidance, direction, and support to a large team of individuals focused on balancing decisions that allow customers to purchase with risks (the potential for bad debt)
Development, collaboration, and partnership with many internal groups at THD to help advance individual growth and capabilities
Partnership
Establish strong relationships with business partners who rely on the team for decisions with
Clearly outline and articulation decision criteria
Continually challenging third parties to optimize performance with decisions, response time, and costs
Skills and Competencies:
Financial Acumen
Principles of underwriting: ability to understand and leverage financial statements, corporate structures, and risk instruments in order to make decisions (helping team with decisions) on extensions of credit for large and medium sized businesses
Ability to understand risk policies and risk appetite frameworks to determine the appropriate policies to implement, balancing potential for losses with impacts to top line sales
Managing Complexity and Business Insight
Helping the team solve complicated challenges with new capabilities like Trade Credit - eventually integrating this into other selling channels and experiences like THDs loyalty platform and other capabilities we are building to win planned purchases from the Pro
Influence
Ability to partner with third parties on changes to programs that benefit THD customers, sales
Ability to influence internal groups on new programs and changes that need to be made that support delivering stated outcomes (sales, reduction in cost, efficient processes, etc.)
Strategic Negotiations
Ability to negotiate agreements with enterprise providers that provide services to THD, seeking the most favorable outcome for THD and THD customers. Agreements include service providers of Trade Credit, payment providers, Private Label credit providers.
Experience with underwriting and credit portfolios is a plus
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or local protected class. - $0.00 - $0.00