Sales Credit Representative

About the Company:

Our client is a fully owned subsidiary of a company that has signed on a brand as the first customer for its new insurance service that is part of its proposition to offer tailored packaged financial solutions for the best profitability. The introduction of the insurance service further enhances the range of products and services offered by our client in Malaysia to provide total solutions for the best profitability for Malaysian express bus and truck operators.

Job Responsibilities:

Sales Activities:

• Introduce and sell/market Scania financial products to prospective and existing Scania clients. Selling methods to be aligned with Scania corporate vision.
• Meet with Scania prospective and existing clients in order to;
  Negotiate financing deals
  Learn their business
  Collect information
  Maintain relationship
  Sign agreements
  Add value to Scania and its Customers
• Regular visit to Rebuild Prime Mover body builder and Bus Body Builder. Build relationship and source leads/prospect from them. Follow up closely on the leads/prospect and provide feed back to the body builder
• Assess the credit worthiness of prospective clients within the guidelines of Scania Finance credit policy. Where deemed acceptable risk at acceptable margin prepare and submit suitable credit application within a prescribed format to the SFO credit committee for sanction.
• Develop and foster relationships with Scania Malaysia (SMY) salesmen with the express purpose of:
• Generating and procuring sales opportunities
• Promoting Scanias Value Based Selling approach
• Gaining information on customer behaviour markets trends and opportunities
• Understanding the Scania product and its value over time
  
  Sales Administration
• If necessary preparation of financing agreements with supplementary agreements and securities
• Assure agreements are properly signed and if applicable legalised in due course
• Arrange to have SCMY securities perfected (e.g. vehicle registrations/pledge)
• Prepare and maintain sales reports that include but are exclusive to:
  Activity reports
  Pipeline report
  Lead received report
  Conversion/Quotation reports
• Any other sales management reports and/or meetings deemed appropriate by SFO management
  
  Credit Administration
• Monitor performance of portfolio for signs of weakening customer behaviour
• Engage with default clients early and frequently in order to:
  Regularise the default behaviour
  Understand customer challenges
  Assess whether support is warranted
  Report to SFO credit committee on findings and recommendation
• To institute legal action that could include:
  Repossession proceedings
  Winding up proceedings
  Collection proceedings
  Restructure proceedings
• Where applicable repossess financed assets and attend to their remarketing

Job Requirements:

• Bachelors Degree or higher in Finance Economics Business administration or related field
• Relevant business knowledge and experience
• At least 35 years proven sales experience (track record) in the asset finance industry
• Sound knowledge on the asset based finance industry (Knowledge of Commercial vehicle market an advantage)
• Highly motivated independent thinker
• Ability to skilfully analyse and interpret financial and commercial information with a view of assessing credit risk
• Reasonable understanding of the legal framework relevant to commercial asset based financing
• Possess of a thorough working knowledge of movable asset finance products
• Good commercial acumen
• Strong communication skills and the ability to forge strong working partnerships with the SMY sales teams.
• Be proficient in key aspects of IS/IT specifically Microsoft Office (Excel Word Outlook PowerPoint).

Remuneration:

Up to RM 6000

Consultant in charge:

Jia Ling

Remote Work :

No