Portfolio Manager

Get started on an exciting career at Element_Element employees make a difference in the lives of others every day. We are re-defining the fleet management industry to be people first, then business - delivering on our promise of a superior client experience. This takes hard work and innovation, and we need more like-minded people on our team.We are looking for a Sr Underwriter Portfolio Management. The position’s main responsibilities are to lead (i) the closing team to ensure that the credit line parameters are correctly set up in the system, (ii) monitor the portfolio in order to detect at an early stage the accounts that could face payment issues so that preemptive action is taken to avoid credit losses and (iii) oversee that the operations booked in the regulated SOFOM are properly documented and reports are sent on time and with good quality to the relevant Mexican authorities. Finally, oversee the workout (troubled accounts) accounts to minimize losses for the company that operates in a fast paced and evolving vehicle management industry.Are you:- A leader capable of coach the team so that care is taken to detect and minimize losses in a credit / lease portfolio?- Detail oriented so that credit conditions are properly set up and also able to detect changes in a credit portfolio?- Interested in pursuing a career in financial analysis / credit / workout?- Able to detect the credits that might face difficulties on an early stage and provide feedback to Underwriting?- Can communicate clearly and synthesize information in an efficient and clear manner?- Able to work under pressure in a fast-paced growing business and deliver on several fronts simultaneously?- Self starter, organized and with analytical skills and interest on vehicle fleets?As a Sr Underwriter Portfolio Management, will be responsible for (i) the correct set up of credit conditions in the system, (ii) truck closing efficiency (iii) monitor the portfolio (iv) take preemptive action on deteriorating customers to mitigate losses and (v) ensure compliance with Mexican authorities regulations booked in a SOFOM.A Day in the Life- Ensure that all sides of team are making progress on their closing set up and portfolio monitoring.- Assign time to detect and coach each member’s areas of opportunities.- Detect aspects that can be automated or enhanced in the Portfolio monitoring function, to achieve better results- Calculate the credit loss reserves periodically, based on the portfolio’s performance- For workout (troubled accounts) accounts: Analyze customer’s financial health analysis, understand and question projected financial statements and define strategies to either (i) restructure transactions, (ii) negotiate collecting the vehicles under financing and negotiate the remaining payment with customer or (iii) participate with legal to recover the financing exposure.- Lead ad-hoc projects to improve efficiency in Portfolio Management**Requirements**:- Bachelor’s Degree in Engineering, Economy, Business administration, or careers with a strong analytical skillset.- At least 10 years of credit analysis experience in financial institutions.- All credit approvals should be done in English so advanced English - 100% written and spoken is a must.- Advanced Excel skills are a plus.**Skills**:Leadership skills (Coach / Train / Assess / Take actions)Clear thinkerSelf-drivenAnalyticDetermined, ability to perform under pressureAttention to detailWhat’s in it for You- A culture of innovation, empowerment, decision-making, and accountability- Comprehensive health and welfare benefits that serve the needs of you and your family and foster a culture of wellness- Additional benefits and amenities, including paid time-off programs (vacation, sick leave, and holidays)- Hybrid work environment for most positions- or call _- ._