Risk Management Analyst

This position resides within the Southeast Toyota Finance (SETF) Risk Management function. The candidate will support the Collections department's effort in deriving and validating strategy and deployment. This role is highly visible to the collection leadership team and risk management team, with an opportunity to make a meaningful impact.

Responsibilities:

• Provide analytics at the portfolio and segment level for monitoring, sharing relevant insights and trends policy changes to collection and credit risk team
• Recommending fact and data-based decisions with the end goal of improving collection effectiveness without sacrificing efficiency
• Lead and track development, testing, and optimization of Collections Risk policies/strategies/initiatives and ensured recommended strategies/policies were compliant with consumer lending/collections regulatory policies
• Use the SAS environment as an analytical tool to perform risk and statistical analysis including profiling, sampling, reconciliation, quality testing, investigation, and risk ad-hoc analytics
• Develop recommendations to adjust Collections Risk policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression, and simulation techniques
• Work together with the Risk team, in charge of Credit Risk Reporting and Portfolio Quality Review Reporting, as well as facilitating ad-hoc reporting as needed
• Research data that management inquires using the risk systems and data sources to investigate, explain, or resolve any inquiries or requests
• Lead collections risk policy and strategy implementation efforts, and the improvement of the existing processes to manage the collections risk appetite within Southeast Toyota Finance's Loan/Lease and Credit domain
• Support the digital collections initiatives and projects
• Evaluate moderately complex operational and technical issues
• Prepare Risk proposals/ analytical packages, and present/ communicate them to the Risk senior management
• Accurately assess the risk and communicate the concerns when any risk, operational, or technical issue is found
• Interact with the risk/operations/legal/compliance/fair lending partners, and senior management to get the proper Risk approvals, complete the required documentation, and follow the Risk governance procedures to comply with SETF's policies and procedures
• Implement initiatives and ensure consistency and compliance with risk policies, liaise with cross-functional business counterparts to develop, and implement risk strategies correctly, and ensure effective monitoring and QA (Quality Assurance) mechanisms are in place
• Share findings with key company executives, collection operations leadership team, and credit risk management in clear, concise communications and presentation

Qualifications:

• The ideal candidate will have 3-5 years of experience in collections in an analytics/decision sciences role
• BA/BS degree in Fields such as Economics, Statistics, Operations Research, Business Finance, or Mathematics (master's degree preferred)
• Captive auto lending or large national auto lending experience would be a plus
• Previous risk management or risk analytics experience is required preferably within a risk management organization in automotive, major consumer card, financial services, or retail installment loans
• Previous experience with digital capabilities, analytics, or strategies is preferred
• Effective communication and effective negotiation skills are required
• Excellent presentation skills are required with the ability to effectively present to senior management and audiences of various levels
• Demonstrated ability to synthesize, prioritize, and drive results with a sense of urgency
• Proven ability to remain organized in a fast-paced environment, managing multiple projects
• Expertise to identify and influence key decision-makers across various levels and functions within the organization
• Ability to work effectively in a rapidly changing environment and support business in a highly competitive and challenging market
• The adeptness to make decisions in high-risk scenarios, appropriately assessing situations based on available data, experience, intuition, and judgment
• Strive to work across various levels of risk management and with other operations, technical, and business teams
• Project management skills are required to proactively track key initiatives
• Require independent judgment and initiative, data analysis, and business problem-solving skills

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JM FAMILY IS PROUD TO BE AN EQUAL OPPORTUNITY EMPLOYER

JM Family Enterprises, Inc. is an Equal Employment Opportunity employer. We are committed to recruiting, hiring, retaining, and promoting qualified associates without regard to age, race, religion, color, gender, sex (including pregnancy, childbirth and related medical conditions), sexual orientation, gender identity, gender expression, mental or physical disability, national origin, marital status, citizenship, military status, genetic information, veteran status, or any other characteristic protected by federal, state, provincial, or local law.

DISABILITY ACCOMMODATIONS

If you have a disability and require a reasonable accommodation to complete the job application process, please contact JM Family's Talent Acquisition department at [email protected] for assistance. If you have an accommodation request for one of our recruiting events, please notify us at least 72 hours prior so that we may provide assistance.