Responsable de Service Financement Réseaux
Company
DIAC SAJob Description
ABOUT FINANCIAL MOBILIZE SERVICES
As a partner caring for all its customers, Mobilize Financial Services builds innovative financial services to create sustainable mobility for all. A subsidiary of the Renault Group whose activity started almost 100 years ago, Mobilize Financial Services is the commercial brand of RCI Banque SA, a French Bank specializing in automotive financing and services for customers and dealers. With operations in 35 countries and more than 4,100 employees, the group financed over 1.2 million contracts (new and used vehicles) in 2024 and sold 3.7 million services. At end 2024, net assets stood at €44.7 billion in financing and pre-tax income at 1,194 million euros.
Since 2012, the group has rolled out a deposit collection business in several countries. At the end of December 2024, net deposits collected totaled €30.5 billions.
Reporting Line
Reports to: Group Director of Dealer and Large Corporate financing division Manages: 4 Dealer Funding Managers.
Role Purpose
The Head of Dealer Funding is responsible for the end-to-end management, supervision, and strategic steering of the Group’s Dealer Funding portfolio (approx. €11bn), covering more than 1,700 counterparties across 22 countries. The role ensures sound credit risk management, consistent policy implementation, strong portfolio performance, and alignment with Group risk appetite.
Key Responsibilities - Portfolio Management & Risk Oversight: Monitor portfolio quality, risk indicators, and ensure proactive mitigation actions. - Management & Leadership: Lead and develop a team of 4 managers, ensuring consistency and high performance. - Governance: Ensure compliance with policies and regulatory expectations. - Strategy & Business Steering: Define and implement dealer funding strategy aligned with business and risk objectives (Product, pricing,…)
- Performance Monitoring & Reporting: Provide regular reporting to senior management and committees. - International Coordination: Ensure consistency across 22 countries while adapting to local specifics. - Risk Control & Compliance: Ensure alignment with Regulation (ECB, EBA, Basel) internal control frameworks and audit requirements.
Key Challenges
Managing a large and diversified portfolio, balancing growth and risk, ensuring consistency across regions, and anticipating dealer financial distress.
Required Skills and Competencies
Technical Skills: Strong expertise in credit risk, financial analysis, and portfolio management. Internal Rating for Dealers
Leadership Skills: Proven experience in team management and decision-making. Soft Skills: Strong communication, stakeholder management, and ability to influence.
KPIs
Portfolio quality (cost of risk, default rate), adherence to risk appetite, reporting quality, audit results, and team performance.
Profile
10-15+ years of experience in credit risk or wholesale financing, ideally in an international and automotive finance environment.
Why join us ?
Your comfort package includes a wide range of benefits
- A modern and friendly work environment: comfortable offices, an active Works Council offering many benefits (travel, sports, family activities), and depending on the location, access to a gym, company restaurant or meal vouchers, as well as parking facilities
- Joining Mobilize Financial Services means becoming part of a large international group offering strong career opportunities, with diverse and varied prospects for growth
- We are committed to improving our employees’ quality of life at work by continuously evolving our ways of working (methods, tools, work organization, etc.)
- Opportunity to work remotely up to 2 days per week
- Competitive compensation package based on your profile + profit-sharing bonus + incentive scheme
- 75% reimbursement of public transport subscription costs or a monthly transport allowance depending on your mode of commuting
- Our offices are located in Grands Boulevards (Paris 75002)
Mobilize Financial Services is moving
Positions currently based in Paris will be relocated to Boulogne-Billancourt by 2027
To learn more about our company, follow us on LinkedIn!
What does the recruitment process look like?
An initial phone interview with our Recruitment Officer
A second on-site interview with the hiring manager
A final interview via Teams with HR
Job Family
Sales FinancingRenault Group is committed to creating an inclusive working environment and the conditions for each of us to bring their passion, perform to the full and grow, whilst being themselves.
We find strength in our diversity and we are engaged to ensure equal employment opportunities regardless of race, colour, ancestry, religion, gender, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, etc. If you have a disability or special need requiring layout of the workstation or work schedule, please let us know by completing this form.
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