Head of Credit, Collections & Recovery and AML

The Head of Credit and Collections (HCC) is responsible for leading and managing the Credit, C&R, and KYC/AML teams in Brazil. The role involves executing Process Management within the Global Risk Functions. Responsibilities include strategy setting and execution in the market, monitoring portfolio performance, making decisions/recommendations on credit applications and recovery reports. The Head of Credit and Collections is a participant in the Regional Credit and Risk Committees and also the chairman of ACC (Local Committee that decides FEC risks). As a functional member of the MT Brazil, the Head of Credit and Collections is tasked with addressing local credit related operational issues, leading local initiatives, and participating in management team activities.

Day-To-Day Activities: 
•    Make decisions on Credit Applications and Loan Strategy Reports (Recovery Memos) within the country approval limits; 
•    Ensure timely and qualitative submission of credit applications to credit committees beyond market approval limits; Ensure timely and qualitative submission to the Regional Risk Committees; 
•    Actively participate in transaction structuring with stakeholders (commercial, credit, legal, asset management); 
•    Monitor portfolio performance, implement controls, analyze portfolio quality trends, and proactively identify vulnerable sectors; 
•    Ensure the correct handling of FEC alerts, and the execution of the Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) processes appropriately; 
•    Coordinate, lead, and oversee the implementation of Global Credit Risk policies in the country; 
•    Actively participate in risk initiatives/projects;

Skills and Capabilities Required
•    Lead, manage, and coach members of the managed teams.
•    Bachelor’s degree in business administration, accounting, or a related field is required. A master’s degree in a related area is preferred. 
•    A minimum of 10 years of professional experience, managing teams of credit analysts and with experience of collections and recovery knowledge; 
•    Fluency in English; 
•    Exceptional organizational and project management skills; 
•    Highly adaptable to changing environments; 
•    Strong collaboration skills, with a proven ability to establish internal and external relationships at various organizational levels; 
•    Demonstrated ability to lead and motivate a team, with a strong sense of teamwork; 
•    Proactive and self-motivated; 
•    Lead by example.
•    Ability to balance commercial growth, customer experience and risk appetite. 
•    Strong understanding of credit policies, risk governance, delegation frameworks and approval processes. 
•    Experience with complex credit decisioning, asset risk, product risk and preferably vendor risk or specialist credit advisory. 
•    Ability to translate portfolio data and emerging risk trends into clear management actions. 
•    Strong stakeholder management across Markets, Commercial, Risk, Finance, AGCO Finance and senior leadership. 
•    Ability to challenge constructively while enabling practical, customer-focused solutions. 
•    Strong understanding of vendor, partner or program-based financing models. 
•    Ability to lead through change while maintaining independence, resilience and sound judgment.

All members enjoy
•    Work-Life Balance: Flexible working, including hybrid, designed to support you at every stage of life.
•    Global and Inclusive Culture: A global and inclusive culture where your unique background and perspectives are valued.
•    Two volunteering days: Two working days to contribute to charities and your community. 
•    Comprehensive Benefits: Health, wellness, and financial programs and industry leading holiday package.
•    Professional Growth: Access to training, mentorship, tuition reimbursement, and career development programs tailored to your goals. 
•    Click this link to look at the benefits in your region.

Choose Wellbeing
At DLL, we recognize that investing in member wellbeing is essential for creating an inclusive and supportive work environment. This not only promotes personal and professional growth but also boosts productivity, engagement, and overall success. We focus on the following:

•    Supporting Members During Moments That Matter: We provide dedicated support resources to help you navigate significant events in your work, your lifestyle, and your personal moments.
•    Implementing Global Wellbeing Programs: We carefully select and implement programs that enhance our member’s experience.
•    Embedding Wellbeing in Everything We Do: We integrate wellbeing into all our practices and policies to ensure it is a fundamental part of our culture.

DLL is an equal-opportunity employer. We are committed to inclusive, barrier-free recruitment and selection processes and an inclusive work environment.

We’re dedicated to ensuring our hiring process is accessible to all. If you require accommodation at any stage, please inform your HR Partner.

DLL, a great place to build your career
DLL is a global asset finance company that partners with manufacturers, dealers, distributors, and end users to facilitate access to equipment and technology. Headquartered in Eindhoven, the Netherlands, we operate in over 25 countries, offering financial solutions across various industries. We are also a 100% subsidiary of our parent company Rabobank, one of the world’s largest financial companies. 

Join our community of nearly 6000 members from 75 nationalities! At DLL, our unique culture - shaped by our values: We put our customers first - Together we achieve more - You can count on me - I challenge myself and others to grow, and behaviors that define us - is at the heart of everything we do. 
We offer exciting job opportunities where you feel welcomed, respected, and empowered to be your authentic self and share your best ideas. At DLL, we believe in the strength of our diverse perspectives and experiences, which make our global community thrive. 

You’ll receive competitive pay, generous benefits, health, and wellbeing support, and manage your work-life balance through our hybrid working flexibility. 

Our global operations offer you a variety of development opportunities, and we encourage you to take on new challenges across our departments, businesses, and regions. 

Our company strategy emphasizes our commitment to sustainable business and making social impact is part of that as well. Together, we’ll “Partner for a better world” to make a positive impact. Joining DLL, means joining a company that consistently scores higher than the industry average in Employee Engagement surveys. This is also being acknowledged through many Great Place to Work certificates. People who work at DLL, like DLL. 
Join us in Partnering for a better world!