Responsible for complying with encompassing regulatory requirements relating to the organizational (Front / Back Office) and operational structure within credit business, the procedures for early detection of risks and the risk classification for risk relevant business (RRB) in retail (B2C) and commercial finance (“CF”, considered RRB in total).
Responsible for implementation of strategic and operational credit business and for the implementation of minimum standards for the operational credit business.Responsible for the quality of decision process, documentation and compliance with legal requirements in credit business.
Responsible for the back office function for credit decisions within given competencies.Responsible for proactive development of measures and concepts in credit business.
Responsible for Intensive Loan Management (ILM) and Problem Loan management for Commercial Finance.
Responsible for the execution of all activities regarding the handling of commercial finance operations for both product lines (BMW & Alphera) and dealing with NSC for wholesale campaign implementation, mainly focused on application management, contract management, commercial loans, credit line management, sales.
With its four brands BMW, MINI, Rolls-Royce and BMW Motorrad, the BMW Group is the world’s leading pre-mium manufacturer of automobiles and motorcycles and also provides premium financial services. The BMW Group production network comprises over 30 production sites worldwide; the company has a global sales network in more than 140 countries.
In 2024, the BMW Group sold over 2.45 million passenger vehicles and more than 210,000 motorcycles worldwide. The profit before tax in the financial year 2024 was € 11.0 billion on revenues amounting to € 142.4 billion. As of 31 December 2024, the BMW Group had a workforce of 159,104 employees.
The economic success of the BMW Group has always been based on long-term thinking and responsible action. Sustainability is a key element of the BMW Group’s corporate strategy and covers all products from the supply chain and production to the end of their useful life.
