Head of Care by Volvo Credit Risk - Global Online Business

Who are we?
Volvo Cars is a company on a mission; to bring traditional car manufacturing into a connected, sustainable and smart future.
Since 1927, we have been a brand known for our commitment to safety, creating innovative cars that make life less complicated for our consumers. In 2010, we decided to transform our business, resulting in a totally new generation of cars and technologies, as well as steady growth and record sales. Today, we’re expanding our global footprint in Europe, China and the US, and we’re on the lookout for new talent.
We are constantly pushing our own skills and abilities to drive change in the automobile industry like never before. We are looking for innovative, committed people to join us in this endeavour and create safe, sustainable and connected cars. We believe in the power of people and will challenge and support you to reach your full potential. Join us and be part of Volvo Cars’ journey into the future.

What’s in it for you? 
The automotive industry is changing rapidly and so are the demands and expectations among consumers. Volvo Cars has taken a strategic decision to lead this change and is on an ambitious journey to re-define the customer experience related to car purchase, usage and ownership. Combining digital technologies and innovative services, we are committed to offer the most personal solutions in mobility.  

We are building up Volvo Cars online sales capabilities and driving the shift towards direct consumer sales. Our aim is clear – to provide customers with modern, flexible and hassle-free ways to own a car, whether through a Care by Volvo subscription, lease, loan or cash. Care by Volvo is our groundbreaking premium subscription service and first product.
In this position, you report to the Head of Risk, Revenue and portfolio management – Global Online Business.

Your mission 
This is a role focusing on building out the strategies, policies and infrastructure needed to support the launch of the vehicle subscription product globally. 
The role will take full responsibility for managing all risks and processes across the credit risk lifecycle, as well as focusing on the go-to-market activities across the globe. As the Head of Care By Volvo Credit Risk you will recruit, train, coach and develop employees to build and maintain a high performing team. One of your main focuses are to build and maintain credit risk policies for all Care By Volvo markets and segments. You are the key business owner for FICO decisioning engine and related systems and processes. 

You will also 
•    Maintain a risk strategy to keep expected losses within defined risk appetite
•    Optimize the efficiency of the credit operation with creative idea on automation
•    Responsible for early and late stage collections processes, systems development and partnerships with outsourced providers globally
•    Responsible for all manaul underwriting processes across Care By Volvo markets

Who you are
We are looking for optimistic people with a strong drive and passion for the transformative work we’ve set out to do. To thrive in this position, you enjoy taking ownership of complex tasks in a fast-paced organization. You are a dynamic, ambitious, organized self-starte with an innovative and creative mind-set. You take accountability, both for your own direct area of responsibility, and the success of the team. Dare to be bold, in a thought through way, with integrity, and curiosity as guiding stars. Have a constant focus on customers. 
You have extensive experience in B2C and B2B credit risk management. Where you have developed and implemented credit risk models/scorecards. If you also have experience in designing credit risk strategies, risk appetite and having hands on experience from working with credit tools and engines. 

You also are experienced in
•    Collections (non payment) strategies
•    Fraud risk management in online environment
•    Digital lending/systems
•    Prior experience leading and building credit risk focused teams in a digital environment

To succeed, we believe that your background and skills include:
•    University degree within in a quantitative discipline - Finance, Physics or similar 
•    5+ years relevant experience in retail credit risk management from consumer banking or consumer finance, preferably with exposure to Online lending products and businesses. Ideally with 10 years or more total experience
•    Advanced Excel & SQL or similar
•    Data mining & manipulation and mathematical & financial modelling
•    Fluent in English – verbal and written

Contact & Application
Please apply via the link provided by October 19th, 2020