Corporate Strategy Team presents the direction for the company and establishes mid-to-long-term business strategies home and abroad. Based on diverse elements such as the analysis of Marco economy and related industry trends, HMG's strategic direction, and understanding of customers, it identifies issues in the current businesses and resolves issues as well as explores and designs a growth engine in preparations for changes in the future. Corporate Strategy also develops strategies for technologies in response to strategic investment and future technological changes in order to explore new businesses/new technologies according to the mid/long-term vision that has been established. In so doing, Corporate Strategy members can have a higher level of understanding of the company's entire business areas and build experiences in logical thinking, data analysis, communications with diverse stakeholders, and review and resolving company issues from the enterprise perspective.
Brand Strategy
Brand Strategy Team establishes a corporate identity as a brand by developing a vision structure and a brand identity and is dedicated to brand positioning by communicating it to company's internal and external stakeholders including company employees. It is responsible for the development of Comm. Set regarding brands for company/products/services including Naming and Tagline as well as for external communications. Also the Department develops Brand Element (CI-Corporate Identify, BI-Brand Identify, external Visual Identity elements such as corporate font) and all of enterprise designs.
Digital Development
The Department looks after the development and operation of Hyundai Capital App/Web services. It explores and analyzes the optimum development environment for a finance mobile channel and keeps enhancing its structure in a way that improves productivity. It also explores and applies new global standards for digital development and builds an environment where new technologies and advanced development framework can be applied.
Data
The Department is responsible for data collection and analysis to enhance digital channels. It analyzes/forecasts customer propensity and innovates customer experience using AI/machine learning-based personalization model for Auto and Finance service in App/Web. Chatbot developed by analyzing customer service data ensures more efficient customer support. Data continues to research new technologies and implement solutions to catch up with digital trends to enable customer service including personalized message to be provided via various channels. It also keeps trying to understand customers by using huge amount of financial data and experiencing Digital meets Finance and growing expertise by exploring/implementing new technologies.
IT
The Department leads the management of IT systems for financial services and sets the IT strategic direction for domestic and overseas entities based on its professional skills. It offers an opportunity to have first-hand experience in designing and building IT systems for financial services that a global company needs to be equipped with by analyzing key technologies and trends in both the domestic and overseas markets. By joining IT Department, one can become a 'global process innovator' who plans and realizes the convergence of business and tech.
Information Security
The Department responds to data breaches and cyber security threats and comes up with solutions tackling security issues of the organization to keep the company's information safe and secure. It is committed to keeping security threats at bay by responding to the wide variety of security incidents, conducting penetration tests, analyzing APT(Advanced Persistent Threat)s, etc. and playing the role of creating a security system driven by new digital technologies including cloud computing, block chain, artificial intelligence, etc.
Product Planning/Marketing [New Car]
The Department creates and executes sales strategies of auto finance products which Hyundai Capital's business is centered around. It comes up with new products that suit customer lifecycle and trends in the finance industry based on analysis of the domestic and overseas auto finance markets and engages in marketing. It is also committed to increasing customer satisfaction by presenting finance solutions that meet customer needs. The team members, in particular, can grow into experts who will lead the global mobility finance market in cooperation with Hyundai and Kia Motor's sales divisions home and abroad.
Product Planning/Marketing [Used Car]
The Department creates product/marketing strategies to reaffirm its number one position in the rapidly growing used car market. It drives business growth by collaborating with large used car platform providers and enhances customer satisfaction by digitalize processes end-to-end. It also comes up with strategies to increase profitability and is dedicated to developing new products to identify new sources of revenue. The team members can grow into marketers who can lead the used car market along with Hyundai Capital taking the lead in bringing innovations in the used car market.
Product Planning/Marketing [Platform]
The Department sets the mid-to-long-term direction for the platform business of Hyundai Capital which is leading the 'non-face-to-face' auto finance market. It creates and carries out differentiated customer marketing strategies to enable customers to keep coming back for Hyundai Capital. It also explores a variety of new platform-enabled business opportunities to find a mobility-driven new growth engine. Since all the businesses that the Department looks after are platform-enabled, its team members can learn how platform marketing works in the auto finance market overall.
Auto B2B Business
The Department comes up with and carries out marketing and sales strategies to offer auto finance products to business customers (large companies, SMEs, rent-a-car companies, taxi companies, etc.). It explores what could be the future business ideas and turns them into business by pioneering a new market such as electric vehicles. The Department offers an opportunity to its team members not only to experience the traditional auto finance business in collaboration with Hyundai Motor Group, but also to improve their capabilities to respond to new markets and prepare for the future.
Auto Service
As more customers 'use' vehicles rather than own, Hyundai Capital is expanding its business into the leasing and rental markets to reaffirm its position as the market leader. The Department comes up with new leasing/rental products and provides services that tailor to customer and vehicle lifecycles, which offers its team members an opportunity to experience a variety of business areas including purchase, registration, insurance, transport, add-on services, etc. that entail the products and services.
Finance Business Planning
The Department comes up with new finance products offered to personal customers such as personal loans, loans using a customer's car as collateral, mortgage loans, etc. and carries out marketing strategies enabled by data science and digital technology, which makes the Department a cash cow of Hyundai Capital. Aside from selling finance products, the Department is committed to finding new ideas in finance services such as a service where customers can compare loans on a platform, downsells, partnerships with insurance companies, etc. Its team members can grown into finance experts by having opportunities to develop different finance products that meet customer needs and to find new business ideas and turn them into business.
Corporate Finance
As corporate finance is one of the important business areas of Hyundai Capital that contribute to continuous growth of its assets and profits, the Department creates profits by providing funding for companies to run their business and financing real estate development projects. The Department is expanding what corporate finance can offer by being a total solution service provider coving not only the traditional corporate finance business (loans, taking over loans from private lenders), but also other businesses that go beyond providing funding to companies such as acquisition finance, securitization finance, etc.
CS
The Department handles operations across customer contact points and manages quality from credit approval to customer service and payment settlement. It enables operations strategies based on digitalized processes to be sophisticated by analyzing market conditions and business trends and implements/offers standardized operations frameworks to keep the quality of services provided to customer contacts high enough. It also enhances competitive edge of the company's business and shares best practices with Hyundai Capital's global entities overseas by taking the lead in OP excellency and cost efficiency strategies from a companywide perspective.
Risk Management
The Department defines, measures and manages risks that may arise in a financial company to help Hyundai Capital become a leading financial company in the global market. It monitors macro economic indicators and credit market indicators to understand market trends and takes pre-emptive measures against potential risk to maintain a good portfolio. It also provides you with the opportunity to grow to be a Risk expert through the experiences across a broad range of Risk areas like lease/loan/personal loan/mortgage/corporate loan/global business.
Modeling(Data Science)
The Department predicts customer propensity and innovates customer experience by analyzing huge amount of data. It forecasts future values like customer behavior, delinquency, vehicle price using its ML and AL modeling capabilities and draws insights to set strategic directions. It also provides opportunities for you to develop and implement various data driven initiatives using AI technology which you can't find elsewhere.
Credit
The Department aims at creating risk strategies based on credit assessment of customers, checking their finance eligibility and offering a credit limit that suits their credit ratings/affordability/income stability. It also creates Hyundai Capital's product-specific underwriting strategies and standards and develops models to set and assess residual value of vehicles returned after leasing/rental. One can grow into an expert, if they are committed to exploring and learning new skills and ready to take the initiative.
Collection
The Department analyzes finance market conditions, customer behavior patterns, etc. based on available data and comes up with action plans to manage delinquency rates, loss rates, bad debts cost, etc. based on the analysis in order to better manage credit risk. It is changing its decision-making matrix to be enabled by AI and machine learning and recognizes credit risk pre-emptively by looking at all the processes/products across the customer lifecycle starting from the very beginning of the loan and protects the company's profits
Global Business Planning/Management
The Department plans &runs auto finance product strategies for the markets with Hyundai Motor/Kia presence, in order to help boost their overseas sales. Based on country-specific analysis of car sales and finance trends/regulations, it establishes strategies for existing global businesses of Hyundai Capital as well as new market roadmaps. The Department also takes the lead in communicating with global entities by arranging decision-making meetings (BOD, general shareholders' meeting) and establishing/managing governance policies to enable speedy and efficient discussions. Employees will be able to nurture global perspective and competence by acquiring in-depth knowledge and experience in global business.
Corporate Management
The Department manages enterprise-wide P &L and is responsible for the company's financial health by controlling tax/accounting/budget. It plays the roles of coordinating and facilitating diverse business activities of the company, and helps the company set &achieve reasonable goals by monitoring performance and issues for each line of business.
Treasury
For a credit finance company taking no deposits, securing steady &efficient funding is of paramount importance. The Department strives to obtain the highest possible credit rating for the company, and has liquidity policies in place to manage its borrowings in a stable and effective manner. It also monitors domestic/overseas money markets and engages in activities for optimized funding and investment attraction.
HR
The Department nurtures talent by focusing on individuals' capabilities, and assigns the right people to the right place so that they can efficiently achieve their goals and grow in the process. The Department cultivates top-notch talents from our domestic as well as global pool, as it runs an innovative global HR framework that enables synergy through active exchanges among our businesses across the globe.
Corporate Culture
Corporate Culture Team is committed to boosting employee engagement by creating "The Way We Work" and striking the right balance between work and life. It aims to help employees work in a more efficient manner, offering various trainings, benefits, and infrastructure as necessary to this end. Individuals will have the chance to become Corporate Culture experts who can lead the growth of a company amid the rapidly changing business environment.
PR
PR Team is in charge of public relations for the company, and is the communication channel with internal/external stakeholders that plans/socializes unique contents promoting the philosophy and business of Hyundai Capital. One can experience and build an understanding of the overall business (e.g. Strategy, Products, Marketing, Finance, Corporate Culture), and gain expertise with strong planning/communication skills.
