Credit Risk Manager

Posted Tuesday, March 14, 2023 at 4:00 AM

The Credit Risk Manager will be responsible for reporting, analytics and credit strategy formulation to support credit underwriting for US Auto’s auto financing business. This is a diversified analytics role with exposure to multiple internal departments and external business partners.

US Auto Sales is a fully integrated automobile retailer that both sells and finances used vehicles to under-served consumers. This is a unique opportunity to be a key participant in driving sales growth while optimizing credit risk and pricing returns.

Bring your strong technical skills, consumer lending experience, and love for data to US Auto and make a difference.

• Design, develop, and produce reporting for underwriting quality and credit performance.
• Perform deep analysis to identify drivers of credit performance across consumer segments.
• Perform and/or support validations and monitoring of credit scorecards.
• Produce reports and presentations for management and capital markets providers.
• Develop cash flow and unit economics models to estimate credit and financial performance.
• Work with credit bureaus and other 3rd party data vendors on established and new initiatives.
• Develop analysis to detect and mitigate fraud credit applications.
• Manage the coordination of credit and underwriting changes with IT and business partners.
• Develop and maintain documentation of underwriting flows, credit policies, and pricing strategies.
• Develop and propose underwriting policy changes.
• Serve as the subject matter expert for application processing and credit decisioning systems.
• Work with Legal and Compliance to ensure credit decisioning scores, strategies, and underwriting processes are compliant with regulatory requirements.
• Assist in the definition of data models that drive clarity and ease of use for analytics
• Troubleshoot data integrity issues, perform extensive data validations, and propose solutions and recommendations.

• Bachelor’s Degree in Math, Business, Finance, or related field.
• 5 – 8 years of experience with credit risk analytics in consumer lending.
• Excellent communication (verbal and written) with the ability to interact with all employee levels including executive management.
• Exceptional attention to detail and accuracy, professional attitude, including strong organization and time management skills.
• Advanced proficiency with Microsoft Excel. Experience with Microsoft suite including Access, Word, PowerPoint, Visio.
• High proficiency in SQL with extensive experience querying large, complex data sets.
• Experience with business intelligence tools like Power BI, Tableau, Domo
• Knowledge of statistical techniques such as logistic regression, segmentation trees, survival analysis, Monte Carlo simulations, etc.