SubDirector Cobranza

Job Description

The Associate Director of Collections is responsible for overseeing and evaluating the portfolio recovery process in accordance with established policies and procedures. This role works closely with the Director of Collections & Portfolio Administration to define collection strategies that maximize portfolio recovery, monitor risk concentrations, identify deviations from established KPIs and objectives, and implement corrective and preventive actions when necessary.

Key Responsibilities

• Oversee and evaluate collection and portfolio recovery processes while ensuring policy compliance.
• Recommend improvements to collection structures, systems, and recovery processes.
• Develop and monitor departmental KPIs and market variables, promoting continuous improvement.
• Analyze and recommend solutions for exceptional cases that fall outside standard policies.
• Communicate and reinforce collection policies, standards, and procedures across the team.
• Ensure the collections team has the necessary infrastructure and resources to meet objectives.
• Approve settlements, discounts, write-offs, and special negotiations within approved authority limits.
• Recommend operational improvements that enhance efficiency and maximize collection performance.

Scope & Impact

• Portfolio Performance: Monitoring NCL and collection performance indicators.
• Cost Optimization: Reduction of reserves, collection agency fees, and incentive expenses.
• Budget Management: Ensuring compliance with approved budgets.
• People Leadership: Development and management of human capital within the collections organization.

Key Internal Relationships

• Director, Collections & Portfolio Administration
• Executive Leadership Team
• Associate Director, Credit
• Associate Director, Risk
• Associate Director, Human Resources
• Associate Director, Information Systems
• Associate Director, Contact Center

Key External Relationships

• Nissan Mexico (NMEX)
• Collection Agencies
• External Vendors and Service Providers

Required Qualifications

Education

• Bachelor's Degree in Business Administration, Finance, Economics, or related field.
• Master's Degree or Postgraduate Degree preferred.

Experience

• Minimum 3 years of experience in collections and portfolio recovery.
• Minimum 2 years in a managerial leadership role within collections.
• Experience developing recovery strategies, managing teams, optimizing processes, and supporting business growth.

Technical Skills

• Database management
• Data analysis and statistics
• Reporting and performance monitoring
• Portfolio recovery methodologies
• Reserve calculation methodologies

Leadership Competencies

• Leadership and coaching
• Team management
• Negotiation and influencing skills
• Strategic thinking
• Continuous improvement
• Change and project management
• Talent management
• Fraud prevention and AML (PLD) knowledge
• Product development and operational efficiency initiatives

Languages & Certifications

• English (TOEIC 750+)
• Moderate travel availability

Nissan (NMEX, NEdM, NRFS, NRFM y ANZEN) tratará a todos los empleados y solicitantes de empleo en función de sus méritos, aptitudes y competencias, sin distinción ni discriminación basada en los atributos de una persona como la raza, la etnia, el origen nacional, la cultura, la religión, el género, el sexo, la orientación sexual, la expresión/identidad de género, la discapacidad, el estado civil o la condición de veterano, la edad, el estilo de vida o los cualquier atributo adicionales de diversidad. Es política de Nissan prohibir la discriminación y el acoso de cualquier tipo y ofrecer igualdad de oportunidades laborales a los empleados y solicitantes.

Nissan (NMEX, NEdM, NRFS, NRFM y ANZEN) will treat all employees and job applicants on the basis of merit, qualification, and competency and without regard of an individual’s race, ethnicity, national origin, culture, religion, gender, sex, sexual orientation, gender expression/identity, disability, marital or veteran status, age, lifestyle or any other attribute related to an individual’s diversity. It is Nissan’s policy to prohibit discrimination and harassment of any type and to afford equal employment opportunities to employees and applicants.