Senior Analyst, Consumer Credit & Residual Value Risk

Location Plano, Texas, 75024 Category Accounting & Finance, Fintech, & Treasury Job   Posted Date 10/19/2026

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like  one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow.

with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.

Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, ‘job flexibility benefits’ [also known as I-140 or Adjustment of Status portability], etc.)

now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

Toyota Financial Savings Bank (TFSB) Credit Risk department is seeking a skilled and experienced Senior Analyst, Consumer Credit & Residual Value Risk to join the team.

The primary responsibility of this role is to lead credit and residual value risk analytics, portfolio monitoring, and reporting across consumer portfolios. This role is suited for a strong individual contributor with deep expertise in consumer credit risk, residual value risk, regulatory compliance, and risk strategy assessment.

Reporting to the Manager of Consumer Risk, the person in this role will support the TFSB Credit Risk department’s objective to strengthen credit and residual value risk oversight through data-driven insights, robust analytics, and clear reporting for senior management, board, and regulatory stakeholders. The ideal candidate will bring advanced technical capabilities, sound business acumen, and the ability to work independently while partnering effectively across teams to deliver accurate, actionable insights.

• Monitor consumer credit performance across auto loan, auto lease, and mortgage portfolios.
• Lead the development and oversight of residual value risk analytics, monitoring, and reporting for the auto lease portfolio.
• Analyze origination trends, portfolio behavior, delinquency, losses, recoveries, and other key risk metrics.
• Track key risk indicators and threshold exceptions; identify emerging risks and escalat(e) issues appropriately.
• Prepare recurring and ad hoc reporting for senior management.
• Support analysis and reporting for regulatory exams, audits, and compliance-related inquiries.
• Develop materials for the board of directors and executive-level risk committees.
• Partner with internal stakeholders across risk, finance, credit, operations, compliance, and servicing.
• Maintain documentation, methodologies, and data quality standards for portfolio risk reporting.
• Assist in the development of dashboards, scorecards, and analytics that improve risk visibility.
• Contribute to policy, process, and control enhancements related to portfolio monitoring.

• Bachelor’s degree in Finance, Economics, Business, Mathematics,…