Career Opportunities: Snr Specialist: KCFA Retail Funding (8247)

Requisition ID 8247 - Posted 

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Company: Komatsu South Africa 

Business Unit: South Africa 

Division: Head Office 

Department: HO Finance 

Location: H.O. Finance 

Reference Number: 8247 

Grading:

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Job Purpose

Komatsu Finance Africa (KCFA) is seeking a highly experienced Senior Specialist: Retail Funding Sales to drive profitable finance sales, grow market share, and support the commercialization of Komatsu products (including Reman).This role is responsible for originating, structuring, negotiating, and closing complex retail funding transactions in close collaboration with operational sales teams and finance stakeholders.

Key Responsibilities

Business Development & Sales

• Achieve profitable retail funding sales targets aligned to business strategy
• Support the development and execution of retail funding marketing and sales plans
• Identify viable new and existing customers using financial and market data
• Collaborate closely with operational sales teams to deliver integrated funding solutions

Deal Structuring & Credit Management

• Structure and price retail funding deals in line with risk and profitability appetite
• Prepare funding quotations and submit proposals to the Credit Committee for approval
• Negotiate complex, high‑value finance transactions with customers and internal stakeholders
• Ensure all deals comply with internal policies, governance standards, and legislation

Portfolio & Risk Management

• Monitor customer accounts, payment performance, and arrears within delegated authority
• Follow up on outstanding debt and put remediation plans in place where required
• Identify and flag potential defaults or bad‑debt risks for escalation and resolution

Reporting & Performance Monitoring

• Track KPIs, metrics, and market share performance
• Report on retail funding sales performance, outstanding debt, and portfolio health
• Measure effectiveness of marketing and sales initiatives against actual outcomes

Minimum Requirements

Qualifications

• Bachelor’s Degree in Finance, Commerce, or a related field (NQF Level 7)
• RE5 FAIS Certification (required)

Experience

• Minimum of 7 years’ experience in retail funding / credit lending
• Proven track record in financing large capital equipment (advantageous)
• Demonstrated success negotiating large and complex financial transactions

Technical & Professional Knowledge

• Strong financial acumen (amortisation, interest rates, guarantees, collateral, bad‑debt provisions)
• Thorough understanding of FAIS Act, Companies Act, VAT legislation, and corporate governance
• Knowledge of GAAP and JSOX compliance frameworks
• Exposure to the mining or earth‑moving equipment industry (advantageous)

Systems & Tools

• Advanced MS PowerPoint
• Intermediate MS Excel and MS Word
• Working knowledge of SAP FI

Key Competencies & Attributes

• High integrity, professionalism, and accountability
• Strong customer relationship and stakeholder management skills
• Excellent negotiation and influencing ability
• Analytical, highly numerate, and detail‑oriented
• Commercially astute with sound risk judgement
• Resilient, proactive, and results‑driven
• Strong communication skills with the ability to handle complex discussions diplomatically

In accordance with the Employment Equity Act (EEA) of 1998, Komatsu is committed to the principles of employment equity and fair labor practices. We welcome applications from all qualified candidates, irrespective of race, gender, disability, age, religion, sexual orientation, or any other ground prohibited by law. We may consider designated groups as per the EEA in our selection process to ensure a diverse and representative workforce, but all applications will be assessed based on qualifications and merit.

Candidates will be expected to pass a relevant medical examination, and agree to verification checks

Only online applications will be considered

It is the responsibility of the employee to inform their line manager about their application for another position

 Komatsu South Africa (Pty) Ltd complies with the protection of Personal Information Act 4 of 2013. By submitting your application, you give us your express and informed consent to process your personal information for recruitment purposes.

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