Credit and Marketing Manager
Sumitomo corporation
مجموع سنوات الخبرة :21 years, 5 أشهر
is a leading Fortune 500 global trading and investment company that consists of
112 locations globally and includes 900 companies employing 70, 000 personnel. Sumitomo conducts
transactions in all industries utilizing worldwide network and provide customers with various financing
solution in the region they operate in. Their Jordanian subsidiary, Summit Auto Trade Facilities carried
the mother company’s mission ad working protocols to provide a variety of financing solutions for our
customer base in Jordan. Summit Auto Trade Facilities sustained a healthy growth in the Jordanian
Market and enjoys a sizeable market share of the Auto Loan growing segment.
Role Summary:
Credit and Risk Management:
• Establish the corporate guidelines for credit scoring and risk benchmarking which plays a vital
role in reviewing all clients loan applications and ensure a sound decision making process is
followed.
• Manage the company’s credit line and risk posture. Continuously review the credit policy and
adjust as er the market trend.
• Establish the customer database that contains their Fleet, credit score, allowed sealing and
cash reconciliation.
• Develop lasting relationships with clients that foster and grows their business within our
organization.
• Continuous alignment with the collections and legal team within the organization and take all
relevant inputs into the credit score for customers.
• Assist in the organization collection efforts; which reduce the risk of revenue loss by
implementing varying credit control measures.
• Proactively communicate internally and externally all relevant issues, risks and opportunities.
• Preparing expected loan projections and ensure alignment with the organization cash flow and
risk appetite.
• Produce comprehensive set of Client Reports that includes credit of actual sales (amount and
numbers), all applications status: rejected, under proses, pending and cancelled.
• Reporting and analyzing company’s portfolio that includes the financed sectors, individual
versus fleet, new versus used, gender, age, average financed amount, average interest rate.
• Member of the management team who is tasked to ensure that the Quality Management
System is followed and being maintained.
Conduct an annual comprehensive market analysis capturing the government guidelines and
economical variables.
• Monitor and analyze all local competitors activities and capture all relevant details, such as:
interest rates, financing period, prerequisites…
• Develop The Annual Marketing plan that encompasses all the analysis conducted and the
competitor’s offerings to ensure our organization market share remains ahead.
• Preparing Monthly Visits Plans for dealers, traders and potential clients to capture their
feedback and incorporate it into our go-to market strategy.
• Classify the percentage of the company's contribution to the dealer’s and trader’s sales.
Identify offerings that ensures our organization contribution is growing.
• Preparing the Monthly Marketing Reports with the amount of actual sales done during the
month.
Other Role held in Summit Auto Trade Facilities:
Tamweelcom was founded in 1999, as a non-profit leader in the support and development of small
enterprises. Wholly owned by the Noor Al Hussein Foundation, which works independently under the
umbrella of the King Hussein Foundation. Tamweelcom began working with a registered capital
amounted to JD 30, 000, funded entirely by the parent organization, Noor Al Hussein Foundation. And
was able to increase that fund to (3m JD) in few years, by signing an agreement for a grant from the
U.S. Agency for International Development (USAID), through the (AMIR) to support the business
environment in Jordan.
Role Summary:
• Conducted feasibility studies on the new prospects and potential future activities
• Managed all marketing activities and communication in relation to the nature of loans provided
and their objectives.
• Physically conducted site visit and direct interaction with potential customers
• Served as the main focal point of contact, receiving applications from potential customers.
• Studied, analyzed and assessed the applications and all supporting documentations received
from customers.
• Contributed into making the final decision based on loan criteria and organization strategic
objectives.
• Followed up on the small funded projects and monitored their progress and progression.
• Supervised the collection activities and followed up on the due installments.
• Managed all financial activities, including cash flow and debt collection.
• Managed all social communications with customers.
Approve loans within specified limits, and refer loan applications outside those limits to
management for approval.
• Meet with applicants to obtain information for loan applications and to answer questions about
the process.
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of
granting loans.
• Explain to customers the different types of loans and credit options that are available, as well
as the terms of those services and required conditions.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements,
and other financial information.
• Review and update credit and loan files.
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