Can you tell us about your current job position as Chief Wholesale Financing Officer?

I’m in charge of the Wholesale Financing and Customer Relations Direction in Argentina. This job involves two dimensions. First, we have the responsibility of looking after the financial health of the dealers network of Renault and Nissan in Argentina, in order to assure the necessary credit lines required to comply with the car builders’ invoicing targets, and of course assuring the collection of the debts. The main challenge today is to take care of the company’s profitability by controlling the cost of risk, all in a particularly difficult scenario of economic and financial crisis, with a going down market, and high levels of exchange and interest rates.

My second role, more linked to the retail activity, is taking care of the customer’s frequent complaints, looking for solutions that assure them the best possible experience with our products, through call centers, web sites, chat bots, for example. In my division, we need to be prepared for attending customers claims and be ready for giving them quick answers and solutions. I also act as the official face of the company for the customers and the central bank.

What do you think about your career path within the company? What was you major challenge?

My career? Unexpected, years rush!! It seems like yesterday that I’ve joined the company looking for the challenge of managing a team, and now I find myself being part of the local management committee. Besides jokes, I guess the point is giving the best of you at all times, and look always for the added value in your work. In the end, opportunities will appear. I’ve worked on many projects that I’m proud of: regulatory ones, process improvement, others. But I’d say managing the relationship with the central bank was my heaviest project. You have to gain their trust and respect each day.

Before joining the group, you used to work in other banks. To you, what are the key differences in your daily work, compared with a regular bank?

The main difference is that in a regular bank, you usually have stable activities, impacted by regulations and market ups and downs, but normally the electrocardiogram is quite flat. Whereas in the car industry, these market fluctuations are really fast and significant, so the combination of both financial and commercial activities turns up into a big snow ball. You really need to be prepared to face it. But this adrenaline makes the business so attractive!

employee profiles

Maria-Virginia Ghillani
Corporate Human Resources Manager
David Schürhoff
Brand Manager Used Cars
Edouard Keates
Internal Auditor

The major challenge I face everyday is to convey and to encourage people for the same objective.

Gayeon Lee
Communication and CRM Manager
South Korea

I could use everything I've learnt at Renault and at the same time, work with a banking culture.

Elizandra Costa
Customer and Digital Director

Through all these years, I’ve always got the feeling of being useful to the company through my jobs, of learning things.

Franck Cournée
Wholesale Funding Manager

The group gave me the opportunity to change several positions, sometimes pushing me beyond my comfort zone.

Marta Barillari
Daciafin Sales Manager

Changing things, it's something I regularly try to do in the different projetcs I've led at RCI Bank and Services.

Alice Altemaire
CEO at RCI Bank UK
United Kingdom

We are lucky to have many different opportunities, to move on managarial or technical job positions.

Cédric Édelin
Dealer Financing Manager

Au coeur de mon travail, il y a la collaboration avec des équipes variées et nos partenaires dans l'assurance.

Haejung Park
Insurance and Services Director
South Korea

My job now is to put in place IT systems that are innovative, agile, cost-effective and compliant with the regulatory demands of our operations.

Catherine Jegou
Head of IS Finance and Regulatory

All our achievements and our performances result from teamwork and synergy which is extraordinary

ALI Moutamassik
Business methods manager

The characteristics of HR directors and HR people differ greatly by countries, which is very interesting.

Jiwoong BAEK
Human resources manager

We always aim to be more customer-centric and this team is always tryning to fulfill this goal.

Pilar Balguerias-Amian
Data project manager

The company moves with the times, it has perfected its own fast-mooving tools, it's a genuinely innovative company which knows how to make headway.

Customer Relations manager

I like the variety of my job: being a manager, creative, analytic and using my organizational skills.

Carmen Schiefer
Head of Deposit Business

It is a pretty cross-cutting job, there are lots of synergies, we work very closely with the car manufacturers.

Electric Vehicle Sales Advisor

You need to have good understanding of numbers, and as well interpretation of the political and economic environment.

Nicolas Sarquis
Head of Treasury

A huge number of functions exist within the group, and there's nothing stopping you moving from one to another if you express the wish to do so.

Bastien MAGE
Business manager Renault-Dacia

I didn't think I would stay that long within RCI Bank and Services. It is almost 16 years today, but I'm happy I did.

Christine KIENSTRA
Services and Mobility Sales Director

What I like about the job of a purchaser, is having a broad vision of the different functions and business lines in the company.

Arthur Val

In my job position, we work at the pace of the economy and the rythm of life of the company.

Franck Destouches
Head of Management Control

Human resources take a leading part in the changes that an organization needs.

Diana Macias
Human Resources Director

My job is to provide support to Renault dealers to increase the loyalty of their customers via our financing offers and services.

Frédéric Dussillol
Sales area manager

International Volunteering in Business work is valued at RCI Bank and Services, and there is a true culture of mobility. 

Mathilde Lienard-Demailly
Chief financial officer