Vp, Risk and Collections

Job summary:
This position reports to the President of ACC & CCC and is accountable to leads teams responsible for both risk and collections:

- Align risk management strategy across the organization, portfolio management, credit risk management oversight and developing and executing enterprise risk framework
- Manage the servicing of growing portfolios; design and implement processes to effectively manage receivables; directly assist on all strategic matters relating to budget management, cost-benefit analysis, forecasting needs, and internal controls as related to Collections and servicing of accounts.

Job overview:
**Risk**:

- Actively promote a strong culture of Credit Risk across all CanCap lines of businesses to support the growth strategy.
- Manage, coach, and lead an established risk team
- Develop credit strategies to improve the credit performance by using data, statistical models and advanced analytics tools to optimize risk decisions
- Approach challenges with innovative thinking to
- Introduce creative and unconventional ideas to offer recommendations and solve problems
- Provide leadership and 2nd line support to the development of new business strategies
- Develop, improve, and strengthen the Credit Reporting & Monitoring framework to meet the needs of various external & internal stakeholders.
- Drive innovation by closely collaborating with Enterprise and other Risk functions through experimenting with new data, analytics approaches, and models
- Conduct ad-hoc analysis related to risk management, investor services, product, and operations
- Analyze portfolio performance at a granular customer / segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers. Communicate findings and recommendations to the senior leaders and key stakeholders
- Promote operational excellence with a strict focus on identifying and managing Credit Risk

**Repayment Services**:

- Manage, coach and provide leadership to the Repayment Services Department
- Ensure operational procedures are efficient and effective to ensure alignment with results
- Provide advice, guidance and insight regarding new/emerging situations and opportunities to CEO and President
- Develop, maintain and deliver management reports and analysis which measures departmental performance and project status
- Develop and provide oversight on policies, procedures related to Repayment Services
- Deliver routine reports on monitoring and controls for high-risk accounts, with a focus on covenant breaches, delinquencies, results of annual reviews, and maturity
- Ensure timely and consistent preparation, distribution, and completion of reports, ensuring proactive identification and appropriate action on issues.
- Support the day to day management of high risk accounts and the restructuring of loans to an acceptable level of risk to maximize recovery
- Familiar with Securitization of assets and how performance of the portfolio effects existing MSA’s
- Able to leverage experience to identify and implement the appropriate risk mitigating actions, recommend tools/strategies to President and CEO, to take advantage of growth opportunities and help prevent/mitigate loss’ on the portfolio

**Qualifications**:

- Undergraduate degree in, business administration, or a related field.
- Minimum of ten years of experience running call centers in multiple centers and oversight on secured and unsecured portfolios
- Minimum of 5 years of leadership experience leading through change.
- Demonstrated business acumen and in-depth knowledge of auto finance and consumer unsecured finance.
- Experience developing and maintaining relationships, including with external partners.
- Highly developed oral and written communication skills and ability to brief clearly and succinctly.
- Well-developed quantitative/qualitative analysis skills.
- Bilingual (French and English) considered an asset