Director, Credit Risk & Analytics

9002 - Carmax Auto Finance - 225 Chastain Meadows Ct NW, Kennesaw, Georgia, 30144

Car Max, the way your career should be! Director, Credit Risk & Analytics About this jobAs the captive lender behind the nation's largest used-car retailer, Car Max Auto Finance (CAF) is the leader in making car financing simpler, fairer, and more transparent – empowering customers across the credit spectrum to unlock affordability and drive away in the dream vehicle.

The Director of Credit Risk & Analytics owns the analytical engine behind that business.  This is a builder's seat as much as an operator's. CAF is investing in our decisioning platform, our data infrastructure, and our use of alternative data — and we're looking for a leader who can both run the function with discipline and reshape it for what comes next.

You will spend your time Setting originations strategy across credit policy, consumer pricing, fraud, and decisioning — balancing growth, risk-adjusted return, and customer experience

Evolving originations capabilities to further expansion into full-spectrum lending, through technology, alternative-data, and analytics.

Owning P&L responsibilities by developing forecast models and successfully steering the business to navigate a highly dynamic environment

Building and leading a world-class analytical team — hiring exceptional talent, developing manager-level leaders, and creating an environment where analysts do their best work Influencing executive decision-making with data-grounded recommendations, and serving as a thought partner to CAF and Car Max senior leadership

What you will need to succeed

We're looking for a player-coach who builds and develops talent, holds a high bar on analytical rigor, and brings genuine curiosity about how new data, new techniques, and new business models can change what's possible in auto lending. Given the breadth of the role, this leader will need to earn trust quickly with executives, cross-functional partners, and other key stakeholders. To be eligible

Bachelor's degree in mathematics, statistics, finance, economics, a related field, or equivalent experience;
Master's degree preferred8–10 years of proven credit policy and/or credit risk management experience (or equivalent) across multiple functional areas or products, including experience managing analysts and managerial staff; strong knowledge of financial services preferred

Strong conceptual thinking skill to design and manipulate complex mathematical models to explain and predict business metrics, and to analyze complex data to draw conclusions and make business recommendations

Ability to convert vague business objectives into concrete analysis tasks and lead a team to tackle them systematically

Ability to inspire and lead analytical teams to effectively design and execute strategies that meet business goals and objectives

Bonus points for Advanced degree in a quantitative discipline (engineering, math, statistics, operations research, economics, physics, etc.)Prior leadership experience in auto finance, consumer lending, and/or fintech

Hands-on familiarity with machine learning and alternative data in a lending context

Working proficiency in SQL, Python or R, and modern data / BI tooling (Snowflake, Tableau, etc.)Work Location and Arrangement: This role will be based out of the Car Max Auto Finance office (Kennesaw, GA).  Associates will work onsite 4 days per week.

Work Authorization:  Applicants must be currently authorized to work in the United States on a full-time basis. Sponsorship will be considered for this specific role. About Car Max Car Max  disrupted the auto industry by delivering the honest, transparent and high-integrity experience customers want and deserve. This innovative thinking around the…