Manager- Credit Risk
Manager- Credit Risk
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Job Description
Overview
Who we are
Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the worlds 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. Were 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 Toyotas vision to move people beyond whats possible. At TFS you will help create best-in-class customer experience in an innovative collaborative environment.
To save time applying Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time.
Who were looking for
ToyotasRiskDepartment is looking for a passionate and highly skilled Manager Credit Risk with strong analytical and stakeholder engagement capabilities to join our team.
The Manager Credit Risk will be responsible for leading and scaling our credit programs to support business growth. This role involves data analysis to support strategic business growth optimization of workflows with technical teams and the ability to clearly communicate program value and results to diverse stakeholder groups.
The ideal candidate will partner with technical factories to optimize and streamline program processes for scalability support national rollout planning and drive value optimization. In addition they will play a critical role in aligning cross-functional teams including Field Operations Accounting Finance Credit Operations Consumer Credit Risk and external Program Vendors - through transparent communication and shared success metrics.
Reporting to the National Manager Special Assets this role is pivotal to advancing the Risk Departments mission to deliver data-driven scalable and high-impact programs across the enterprise.
What youll be doing
Program Leadership & Execution: Lead the end-to-end execution of special credit programs. Ensure programs are aligned to risk strategy operational goals and compliance expectations.
Data Analysis & Performance Monitoring: Use SQL/Python and Tableau to extract and analyze program performance data. Define and monitor key risk and performance indicators against established thresholds.
Value Optimization & Insight Delivery: Develop statistical tools models and visualizations to analyze program outcomes and summarize key learnings. Internalize program learnings by making tangible recommendations for growth opportunities in the credit risk and pricing areas. Lead presentations and distill complex analyses and insights into clear summaries visualizations and actionable recommendations for the Executive leadership team and Executive Committees.
Workflow Optimization & Kaizen: Collaborate with technical factories to analyze and improve program flows. Implement kaizen methods and automation strategies to streamline operations in preparation for a national-scale rollout.
Stakeholder Engagement: Serve as a trusted liaison between the Risk Department and critical stakeholder groups including the Field Organization Accounting Finance Credit Operations Consumer Credit Risk and the Program Vendor. Foster trust by communicating program goals progress and results with clarity and transparency.
Training & Enablement: Develop onboarding and enablement materials to ensure successful program adoption across teams. Lead training sessions and build field-ready documentation and support tools.
Scalability Planning: Create and manage infrastructure needed for national rollout. Ensure monitoring systems governance processes and stakeholder engagement models are in place to support scale.
Credit Risk Management and Analysis: Identifying opportunities and developing strategy changes to increase market competitiveness gain profitable business and react quickly to changing dynamics and trends.
What you bring
Bachelors degree in Business Business Analytics or a related field
3 years of experience in risk management finance business analytics or similar
Experience with statistical analysis modeling and data visualization and the ability to distill tangible insights and recommendations from complex analysis
Experience working closely with technical teams to optimize workflows
Strong ability to manage and communicate with diverse stakeholder groups across technical operational and business functions
Proven track record of scaling programs building cross-functional alignment and delivering measurable value
Added bonus if you have
Advanced Degree (MBA M.S. in Business Analytics or similar)
6 years of relevant work experience in credit risk management
What well bring
During your interview process our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:
A work environment built on teamwork flexibility and respect
Professional growth and development programs to help advance your career as well as tuition reimbursement
Team Member Vehicle Purchase Discount
Toyota Team Member Lease Vehicle Program (if applicable)
Comprehensive health care and wellness plans for your entire family
Toyota 401(k) Savings Plan featuring a company match as well as an annual retirement contribution from Toyota regardless of whether you contribute
Paid holidays and paid time off
Referral services related to prenatal services adoption childcare schools and more
Tax Advantaged Accounts (Health Savings Account Health Care FSA Dependent Care FSA)
Relocation assistance (if applicable)
Belonging at Toyota
Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10 different Business Partnering Groups across 100 different North American chapter locations that support team members efforts to dream do and grow without questioning that they belong.
Applicants for our positions are considered without regard to race ethnicity national origin sex sexual orientation gender identity or expression age disability religion military or veteran status or any other characteristics protected by law.
Have a question need assistance with your application or do you require any special accommodations Please send an email to .
Required Experience:
Manager
Employment Type
Full-Time
