Snr Specialist: KCFA Retail Funding

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