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Manager, Credit

2 weeks ago

Mississauga ON LW L, Canada CanCap Group Inc. Full time

About CanCap Inc. – AutoCapital Canada Inc. is part of a privately-owned Canadian national financial services company with multiple verticals across automotive, consumer, and merchant lending portfolios. We manage the entire lifecycle of the finance receivable from credit adjudication through to contract administration, customer service, default management and post charge-off recoveries. AutoCapital Canada works with Automobile Dealer Partners to help clients finance the purchase of new and used vehicles. When it comes to our customers, partners, and each other, we are always motivated by doing the "right thing". We are always looking to find the best people and the right methods that allow us to meet this goal and look to the future for growth.

About the Role: The Credit Manager (Prime Auto Lending) is a critical leadership role responsible for overseeing the daily credit adjudication operations for the CIBC prime automotive portfolio. Reporting to the Senior Manager – Prime Credit Operations, you will lead a team of credit analysts, ensuring service level agreements are met while maintaining strict adherence to credit policy and risk appetite. Success in this role requires a blend of strong leadership skills, deep analytical capability in prime lending, and the ability to manage complex escalations and cross-functional projects effectively.

What Your Day and Week Could Look Like

Operational Leadership & Strategy

  • Resource Allocation: Ensure an effective allocation of resources to meet or exceed key business unit performance metrics such as Service Level Agreement (SLA), Productivity, and Compliance.
  • Day-to-Day Operations: Manage the daily workflow of the Prime credit queue, ensuring efficient application intake, decisioning, and adherence to turnaround time commitments.
  • Goal Setting & Performance: Define, set, and monitor team performance goals, individual tasks, and KPIs, holding the team accountable for measurable outcomes.
  • Data-Driven Optimization: Utilize comprehensive data reports to optimize team efficiency, workflow, and resource allocation, ensuring business targets are met through continuous performance monitoring and quality checks.
  • Project Management & Process automation: Lead and execute project management and process automation initiatives related to process improvements, Loan Origination System (LOS) enhancements, or new product implementations within the Prime vertical.

Team Management & Development

  • Team Leadership: Provide day-to-day management, coaching, and mentorship to a team of Credit Analysts/Underwriters to build skill depth and consistency in decision-making. Lead team huddles and group meetings to communicate group strategies, policy, and procedure updates.
  • Training & Development: Engage in ongoing training activities to ensure the team is up to date on policy changes, regulatory requirements, industry trends, opportunities identified in QA reviews.
  • Culture Building: Foster a high-performance and engaged workforce by strengthening retention and building a collaborative culture of continuous improvement through active leadership in team huddles to share challenges and successes.

Risk Management & Escalations

  • Quality Assurance: Conduct quality assurance audits to ensure adherence to policies and procedures, and initiate deeper dives of the analyst's work when required.
  • Escalation Handling: Act as the escalation point for District Managers, Dealers, and Analysts for issues exceeding the responsibilities and authority of the Senior Analysts.
  • Conflict Resolution: Utilize strong conflict resolution skills to manage disputes with external dealer partners or internal stakeholders, finding solutions that balance sales effectiveness with regulatory and risk requirements
  • Risk Execution: Execute on risk strategy while weighing situational risk regarding Prime automotive applications.
  • Process Adherence: Meticulously ensure the team follows established operational processes for decision support to ensure efficiency, accuracy, and compliance with internal policies

What You'll Bring

  • Experience: 3 - 5 years of related work experience in a leadership role within a credit lending, fulfillment, or call center environment OR a combination of education and/or supervisory lending/funding experience.
  • Industry Knowledge: Extensive knowledge of credit processes in automotive finance.
  • Analytical Skills: Strong critical thinking skills with a proven ability to make sound decisions, solve problems, and execute thorough research.
  • Organization: Excellent time management skills and ability to set priorities in a fast-paced environment.
  • Technical Aptitude: Proficiency with loan origination software and intermediate to advanced user experience with Microsoft tools (Excel, Word, and Outlook).
  • Requirements: Successful pass of a criminal background check and validation of work experience.

Soft Skills

  • Leadership: Proven ability to motivate, lead, coach, and develop a team.
  • Self-Starter: A self-starter with strong presentation capabilities.
  • Drive: Highly developed customer-focused drive to succeed and win in a very competitive market.
  • Teamwork: Strong interpersonal skills with a demonstrated ability to work harmoniously in a team environment.

Reporting Relationship This role reports to the Senior Manager – Credit Operations.

What You Can Expect from Us Our Employee Experience is aimed at supporting and inspiring our talented team through:

  • A passionate team dedicated to the support and empowerment of others.
  • An environment where creative, innovative thinking is encouraged.
  • Regular touch points geared to assist in your success in this role.
  • Hybrid work flexibility with occasional visits to our Mississauga office.

Next Steps Adding to our team is one of the important steps that happens in our business, and we've taken time to be purposeful and thoughtful with this job posting. Please take time to do the same with your application and help us understand how you see your work experience as relatable to this job posting.

Diversity & Inclusion AutoCapital Canada is an equal opportunity employer and values diversity. We are committed to building and evolving a team reflecting a variety of backgrounds, perspectives, and skills. Only candidates who possess the experience, skills, and qualifications outlined above will be contacted for next steps in the hiring process.