Job Application for Financial Services Credit Specialist at Lucid Motors

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Leading the future in luxury electric and mobility

At Lucid, we set out to introduce the most captivating, luxury electric vehicles that elevate the human experience and transcend the perceived limitations of space, performance, and intelligence. Vehicles that are intuitive, liberating, and designed for the future of mobility.

We plan to lead in this new era of luxury electric by returning to the fundamentals of great design – where every decision we make is in service of the individual and environment. Because when you are no longer bound by convention, you are free to define your own experience.

Come work alongside some of the most accomplished minds in the industry. Beyond providing competitive salaries, we’re providing a community for innovators who want to make an immediate and significant impact. If you are driven to create a better, more sustainable future, then this is the right place for you.

Lucid’s mission is to inspire the adoption of sustainable energy by creating the most captivating luxury electric vehicles, centered around the human experience. Working at Lucid means having a shared vision to power the future in revolutionary ways. Be part of a once-in-a-lifetime opportunity to transform the automotive industry.

In this role you will co-develop and execute credit risk management policy and procedure of Lucid in Europe. You will collaborate with internal stakeholders (e.g. Financial Services, Finance, Sales), and large customers and partners. You will ensure that the credit risk decisions are aligned with the risk appetite of Lucid and remain in balance with achieving commercial objectives. You will also closely collaborate with partner bank and leasing company of Lucid to ensure world class service to Lucid customers.

Responsibilities

Continuously develop and optimize credit risk policy, procedures and exposure monitoring
Perform KYC, AML and credit risk analysis and recommend decisions aligned with the policy
Provide support to Lucid Financial Services and partner bank customers throughout complete FS customer journey online and offline
Provide ad hoc support in FS Operations department
Employ commercial and solution-oriented mindset to proactively solve challenges faced by Lucid FS customers
Serve as an internal subject matter expert on credit risk

Qualifications

Required:

3-5 years’ experience in automotive financial services or automotive banking industry
Direct working experience with credit analysis including balance sheet and P&L analysis, ratio calculation and evaluation
Knowledge of leasing and rental companies’ business model incl. inherent risks and risk flags
Experience of working with external credit bureaus
Experience of working customers and sales organization
Excellent analysis, communication and negotiation skills
Experience of identification of risk and mitigation strategy
Knowledge of automotive finance products (loan, leasing)
Languages: Dutch, English

Preferred:

Experience with credit analysis of corporate customers from Germany, Netherlands, Switzerland or Norway
Working knowledge of risk mitigation tools in Germany, Netherlands, Switzerland or Norway
Languages: additional language skills, esp. , German or French / would be a plus

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To all recruitment agencies: Lucid Motors does not accept agency resumes. Please do not forward resumes to our careers alias or other Lucid Motors employees. Lucid Motors is not responsible for any fees related to unsolicited resumes.

Financial Services Credit Specialist

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