As the Sales Team Lead at Mercedes-Benz Financial Services South Africa, I have successfully implemented the overall Direct Sales Strategy. I have identified and optimized every step of the customer journey to maximize the potential for new refinance and insurance contracts. Utilizing analytics, processes, systems, and effective communication, I have ensured a seamless customer experience.Accomplished Sales Team Lead with extensive experience in the financial services industryProven track record in implementing the overall Direct Sales Strategy for Mercedes-Benz Financial Services South AfricaExpertise in optimizing the customer journey to secure new re-finance and insurance contractsSkilled in negotiation, operations management, project management, and general managementStrong focus on customer retention through high-quality and tailored communicationsLeadership in driving the Mercedes-Benz Financial Services Digital Strategy and Sales Force IntegrationEffective management of the Direct Sales Team to optimize performance and achieve specific KPIsProactive stakeholder management to ensure customer agreements and requests are executed to exceed expectationsProficient in managing the Direct Sales Online Process for finance transactionsContinuous identification and implementation of strategic business opportunities within the Direct Sales areaGuidance and prioritization of major company projects, ensuring planning and execution excellenceCommitment to compliance-related matters and completion of regulatory tasksExceptional reporting skills for daily, weekly, monthly, annual, and ad-hoc departmental activities and initiativesDedication to the development and growth of the team to consistently meet KPIs and upskill in the industry.

Efficiently manage the Vehicle Returns Process, re-financing of RVs, and settlement administration of finance agreementsEnsure compliance with MBFS Compliance and Business Rules, Work Instructions, Policies, and GuidelinesClose off matured accounts within 30 days after Contract End Date or initiate litigation for overdue debts after 31 days past contract maturitySkillfully handle the re-financing of Balloon Payments and settlement administration of finance agreementsFoster professional growth of the Maturities staff through coaching, guidance, and supportEnhance service levels when interacting with customers, dealerships, and internal staffMonitor and manage staff performance and motivation to align with the vision of selling more cars to more customersRegularly monitor and ensure adherence to Business Rules, processes, and timelines for Lease ReturnsProvide accurate and timely reporting to various divisions including PC and CV Brand Divisions, MBFS Sales, MBFS Credit, MBFS Portfolio Management, MBFS Contracts Administration, MBFS Legal, and CollectionsAnalyze and perform risk analysis on existing client portfolio to manage delinquent behavior

As a Senior Risk Analyst, my role was to ensure sound credit assessment practices, manage risks, and contribute to the overall profitability of the organization in South Africa for the Retail and SME sectors.Provide credit assessment approvals within acceptable risk parameters to internal and external customers, ensuring compliance with the Mercedes Benz integrity code and conflict of interest policy.Supervise teams, oversee systems, processes, and procedures to ensure efficient operations.Identify and mitigate bottlenecks or delays in workflow between individuals, departments, and MBFS-SA companies.Foster open communication channels internally and externally to facilitate customer satisfaction.Ensure that all core and key work policies and processes are optimized for optimal performance.Incorporate quality assurance in each process and support meeting delivery deadlines.Deliver unit results in accordance with Service Level Agreements (SLAs) and other agreed goals and objectives.Proactively identify and address performance problems or escalate them before they become crises.Conduct credit assessments in line with standard procedures and specific credit guidelines for private and self-employed individuals.Adhere to required timeframes for assessments as specified in departmental business processes.Apply interest rates strictly within delegated or escalated authority.Perform relevant credit bureau checks and validations, such as Deeds Office searches and KI verifications.Analyze and interpret financial statements for companies, PTYs, and CCs.Analyze and interpret bank statements, using bureau information and financials to forecast.Calculate equity versus depreciation and return on equity (ROE) for vehicles up to 10 years old.Determine residual values (RVs) and balloon payments based on external risk factors contributing to depreciation over a fixed finance period.Identify and prevent fraud through effective detection and prevention measures.

To deliver I-Media solutions to the satisfaction of the customer, through the effective management and development of a team of Finance and Insurance consultants to deadline and quality. To ensure that all team objectives are met as set out by the General Manager in line with the overall business objectives. This includes coaching, developing and motivating the team members through the utilisation of databases/systems that produce reports requiring working knowledge of Microsoft Office as well as other internal applications as used by DaimlerChrysler. To provide support to the team, colleagues and Operational Managers, and to lead by example.

To provide excellent customer service to internal and external customers by attending to all inbound calls according to laid down procedures and guidelines. To be able to assist with quotations on comprehensive insurance for Passenger Cars and assist with related queries.Attend to inbound calls (finance and insurance)Active selling of finance and insurance products through settlementsGiving advice to customers on our finance and insurance productsAssisting with quotations on vehicle finance as well as VAP’sEnsure that customer retention targets are metAttend to all queries within set time framesPerform related administration functionProviding insurance quotations to customers and dealers and handle insurance related queriesProviding Galaxi support to dealersAssist walk-in clients and Area Managers with queries and requestsAmendments to Policies on E-sure (Live Insurance System) CancellationsExplaining Financial Transactions to clients regarding premiums and debit ordersRe-instatementsBorder Letters

Making outbound calls to prospective clientsPresenting our product telephonically Convincing client to purchase product.Following up on customersIncreasing client baseServicing existing clients

-Receiving calls from clients, e.g. Telkom, Coin, SAB, DNA, TFMC, Netcare-Capturing details-Assessing situation-Booking services and relevant assistance that is required. e.g., breakdowns, RSA, locksmiths-Tracking of vehicles for movement reports, investigations, hi-jacking etc-Immobilising vehicles and de-immobilising vehicles from C--Track tracking system if hi-jacked, stolen or misused.-Follow up with Service providers

•Receiving calls from MTN contract holders.•Checking accounts•Black listing phones•Upgrading contracts•Updating services on contract.•Following up with clients