Commercial Manager – Auto Loans

Description

Job Summary: We are seeking a leader with commercial vision and an operational focus to develop and optimize our automotive collateral loan model, ensuring product profitability and efficiency. Key Highlights: 1. Lead the operations of Mi Auto MX’s automotive pawn business 2. Design and execute the commercial and operational strategy for auto-secured loans 3. Direct participation in building the business model At **Mi Auto MX**, we seek a leader with commercial vision and an operational focus to develop, scale, and optimize our **automotive collateral loan** model. This position is critical to ensuring product profitability—from accurate vehicle valuation through vehicle recovery and resale. **Position Objective** Oversee the automotive pawn business operations, ensuring efficient, profitable, and controlled execution across the entire cycle: valuation, loan disbursement, portfolio monitoring, and vehicle recovery. **Key Responsibilities** * Design and execute the commercial and operational strategy for the auto-secured loan product. * Ensure robust processes for **valuation, origination, collections, and recovery** of vehicles. * Supervise and optimize key performance indicators such as: * Pawn value * Risk portfolio and days past due * Vehicle recovery and turnover rates * Valuation accuracy (market comparison vs. Blue Book) * Validate correct vehicle valuation through: * Use of the Blue Book * Market analysis * Depreciation criteria * Physical and documentary inspection * Lead, train, and develop the valuation team and branch staff. * Establish strategic alliances with vehicle lots, automotive partners, and suppliers. * Negotiate commercial terms that maximize profitability and risk control. * Define pricing strategies, loan amounts, and recovery/sales margins. **Ideal Profile** * Experience in: * Automotive valuation * Vehicle buying/selling * Operations at pawnshops or collateral lending institutions * Proficiency in the **Blue Book**, depreciation, and automotive market dynamics. * Analytical profile with strong results orientation and risk management focus. * Ability to lead teams and manage multiple business units. * Commercial mindset with negotiation skills and alliance development capability. **We Offer** * Competitive salary \+ performance-based bonus scheme * Growth opportunities within an expanding company * Direct participation in building the business model. Interested candidates may apply via this channel. WhatsApp: 55 3987 9990\. Salary: $25,000\.00 \- $60,000\.00 per month Benefits: * Option for indefinite-term contract Work Location: On-site employment