Senior Portfolio Expert

At Ayvens, progress starts with you.Our ambitions to shape the future of sustainable mobility are powered by our talent.

Join us, and get better with every move.Ayvens Mexico is looking for a Senior Portfolio Specialist that will provide assessment and management of potential risks within an organization to safeguard its financial stability and operations.SCOPE And ResponsibilitiesThe main responsibility of the Portfolio Analyst is measuring and monitoring the risk of the portfolio of Latam countries by : Preparing and presenting quarterly credit committees (ERC), in liaison with credit, finance and other LOD1 / 2 teamsTaking part in various cross-functional projects, notably on regulatory related matters (NDOD, LOM, trainings on new procedures, policies gap analysis and implementation, improvement of local reporting and key materials...).

Providing key reporting files to the appropriate teams on a regular basis (Aging Balance, Upcoming Renewals, Flowback File, Cost of Risk) and improving data quality.Being the first point of contact regarding regulatory and technical topics.Contributing to monitoring risk policies and their indicators.Participating in the onboarding and training of new LOD2 Credit team members.Executing and following up the continuous improvement actions identified in the credit process.ResponsibilitiesIn a risk monitoring and control function, he / she is responsible for the oversight of the scoring and rating rules being applied by the first line of defense and providing oversight of the whole credit process, as well as monitoring the portfolio concerning early warning indicators, watchlists and default.

According to the department's needs, as part of his support to the LOD2 Portfolio Analyst, participate in the NPE (non-performing exposures) management and provisioning : Validation of watchlistValidation of default status, default exemptions and decision to exit defaultChallenge and validation of quarterly Cost of Risk (CoR) estimateValidation of quarterly provision calculation (individual and collective)Validation of annual CoR budgetOversight of hard collection activitiesValidation and challenge of provisioning activitiesDefinition of provisioning proceduresChallenging, understanding and validation of quarterly provisions estimateSend to ALD / RISK CoR analysis of the countrySend IPS form to Central PAG when required – in alignment with central LOD 2Validation of CoR budget – in alignment with central LOD 2Finally, for credit origination, he / she is responsible for making credit decisions within their local authority and over credit analyst LoD1 signing authority, as defined in the delegation letter.

They are also requested to validate ratings used during the credit assessment for non-retail exposures.Skills RequirementsRequired ExpertiseRelevant University degree (Bachelor / Masters level) e.g. in Finance, Accounting, Business Administration.

Candidates with higher education on Credit risks topics, combined with adequate knowledge of the financial sector will also be considered.Knowledge about Credit risks including a very good understanding of current requirements in Credit risks management and governance.Strong financial analysis and accounting capabilities.A good understanding of the scope of risk management practices and techniques including experience in the development and implementation of risk policies.Knowledge regarding banking regulations (EBA) and interaction with ECB and local regulators.Previous experience in a comparable role in the financial services sector (over 5 years)Soft SkillsRegularly communicate information that is timely, relevant, and tailored to each audience.

This includes being transparent about both positive and negative developments.Ability to manage diverse work and overlapping priorities.An open mind-set and willingness to learn.Excellent analytical skills, critical thinking, and the ability to identify problems and propose solutions.Process and detail orientation.Team player.Delivering results.Why Ayvens?

With over 3.4 million vehicles managed across more than 42 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals.

By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.At Ayvens, we believe that our success is driven by our commitment to customer satisfaction.

Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business.

We're committed to sustainable mobility and have made it a core part of our strategy.

In everything we do, we're guided by the principles of authenticity, curiosity, commitment and collaboration.

We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed.

Follow our page for the latest updates, news, and insights.ALD Automotive | LeasePlan are rebranding to Ayvens across all 42 countries by 2025.