2025-042 Credit & Operational Permanent Controller (m/f/d)

The Credit & Operational Permanent Controller will work within the Risk department, with a particular focus on credit risk, operational risk management. This will include those relating to monitoring, and managing dealer accounts, Know Your Intermediary/Customer (KYI/KYC) operations, coordinating all operational risk and permanent control framework including fraud, outsourcing, conduct, compliance and breach of regulations, ICT risks and other risk types in collaboration with other specialized independent control functions.

• Ensure that the Group procedures are implemented locally, transposed if need be according to the local specificities. Procedures are validated, published, updated, properly stored and communicated to the relevant stakeholders
• Ensure that material risks and their mitigants are evaluated, the effective implementation of the risk and control self-assessment (RCSA) within the 360 system and it continuous updates, the RCSA is validated by the relevant stakeholders, that the results of the RCSA and the local control plan (LCP) are consistent
• Key objective is implementing the 1st Line of Defence (1LoD) framework, governance and controls to ensure that operational risks are appropriately managed across Corporate Risk and Wholesale Operations via adapting Generic Control Libraries and keeping the LCP up-to-date, executing and coordinating the controls according to LCP and ensuring that control results reviewed and analysed by the management, action plans are defined if needed, inputting the control results as well as self-identified action plans in the 360 system and ensure the follow-up of those
• Organise the follow-up of the findings, recommendations either issued by second or third line of defence, or external auditors
• Monitor historical incidents (HI) including long term incidents; alerting the management and control functions, collect evidence and input data and updates in 360system, analysing incidents and define corrective measures which must be implemented jointly with the relevant stakeholders
• Maintaining continuous interaction between first and second lines of defence to achieve a robust and effective management of operational risk and permanent control framework, contribute to validation committee (TAC/NAC) or any related meetings, forum, council
• Coordinate the Know Your Customer (KYC) and Know Your Intermediary (KYI) operations with the customer relationship managers, which aims at managing risks associated with the use of intermediaries, notably corruption, money laundering, terrorism financing, sanctions and reputation
• From an operational perspective manages the KYI files, monitoring the completion and integrity of the information. Initiates the review or a full recertification further to trigger events, or a full recertification on the due date. Contributes to the information and documentation collections – specifically the ones of a public nature (Companies House, Experian) with regards to managing director, the shareholder, the Ultimate Beneficial Owner, or the guarantors
• Ensure that KYC/KYI rules are respected, and details are regularly updated in the relevant systems, Andefi, KYIS, etc.
• To assume responsibility for the input/update/reallocation of credit lines in the Phenix system in order to assume best practice on Segregation of duties
• To support the processes around the unblocking of vehicles within the brand systems following the necessary credit approvals being obtained
• Deliver excellent service to dealers using SFS’s systems and processes, supports the business in assessing business opportunities
• Works as part of a team to ensure performance goals are met, in a way which reflects the values of the company and complies with standards and regulatory requirements

Foreign language skills: Fluent English verbal and written

Professional qualifications, vocational training, education level:

• Understanding and experience in risk and controls analyses, risk management concepts, and strategy development; professional qualification strongly desirable
• Computer Literate - Word and Excel to intermediate level

Previous experience required:

• Experience of auto finance sector
• Working experience in an operations environment (desirable)
• Proven skills in the financial analysis of accounts and proven commercial experience

Technical skills and personal characteristics required:

• Honesty & Integrity: Trustworthy, shows integrity by doing the right thing, always maintains appropriate confidentiality
• Flexibility: Adapts positively to changing work priorities and patterns when new tasks need to be done or requirements change
• Excellent organizational & prioritising skills, effective time management
• Resilience: Displays energy and enthusiasm in the way they go about their role, dealing positively with setbacks when they occur. Stays positive under pressure
• Working systematically: Takes a methodical and consistent approach towards work; builds systematic work processes into activities and tasks; approaches work in an orderly and systematic manner
• Acting on own initiative: acts on own initiative without being prompted; refers to line managers when necessary; handles problems responsibly and with minimal guidance
• Teamwork: relates well to other team members, adapts to the team and builds team spirit, makes others aware of information that may be useful to them, applies the principle of collective responsibility to achieve the Departments total objectives
• Communication: Communicates effectively with colleagues and various stakeholders, using sound interpersonal skills