Sr. Consumer Risk Associate

Who We Are

Through our service brands Hyundai Motor Finance Genesis Finance and Kia Finance Hyundai Capital America offers a wide range of financial products tailored to meet the needs of Hyundai Genesis and Kia customers and dealerships. We provide vehicle financing leasing subscription and insurance solutions to over 2 million consumers and businesses. Embodying our commitment to grow innovate and diversify we strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. We believe that success comes from within and are proud to support our team members through skill development and career advancement. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture for our workforce. We are a values-driven company dedicated to supporting both internal and external communities through volunteering philanthropy and the empowerment of our Employee Resource Groups. Together we strive to be the leader in financing freedom of movement.

We Take Care of Our People

Along with competitive pay as an employee of HCA you are eligible for the following benefits:

Medical Dental and Vision plans that include no-cost and low-cost plan options

Immediate 401(k) matching and vesting

Vehicle purchase and lease discounts plus monthly vehicle allowances

Paid Volunteer Time Off with company donation to a charity of your choice

Tuition reimbursement

What to Expect

The Sr. Consumer Risk Associate is responsible for maintaining all origination planning and reporting models to support annual business planning and monthly reporting needs. In addition this role is responsible for producing MEL forecasts for originations monthly and manages / maintains all origination risk data tables. This position is critical in monitoring and controlling risk of all new and used consumer loan and lease originations.

What You Will Do

1. Planning and Reporting:

Develop annual business plan and monthly re-forecasts for origination risk KPIs (303 Approval % AD% MEL % etc.).

Monitor monthly performance to plan providing detailed variance explanations for month to month and month to plan variances.

Execute all monthly reporting for origination risk metrics for RCC FP&A and global reporting needs.

2. MEL Production and Analysis:

Maintain code to produce monthly MEL forecasts.

Support annual MEL refresh remodel review/approval process with model-to-model variance analysis.

3. Origination Risk Data Steward:

Maintain consumer origination risk data tables.

Work with CDO to maintain tables and data dictionaries.

Represent consumer risk in Edge committee meetings to drive consistent data definitions across the organization.

What You Will Bring

Minimum 4-6 years related work experience in a consumer credit or risk management role.

SAS or SQL experience required.

R / Python skills preferred.

FP&A/Credit/Funding/Collections/Pricing background a plus.

Bachelors degree in Mathematics Statistics Economics or related quantitative field.

Strong PC skills: Microsoft Excel Word and PowerPoint.

Intermediate data mining skills using SAS or SQL

An in-depth understanding of statistics and applications.

Excellent verbal and written communication skills.

Strong analytical critical thinking and problem-solving skills.

Strong attention to detail and ability to multitask effectively.

Ability to work in a fast-paced environment and adapt quickly to changes.

Must work well in a team be self-directed and results oriented.

Work Environment

Employees in this class are subject to extended periods of sitting standing and walking vision to monitor and moderate noise levels. Work is performed in an at home and office environment.

The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; geographic location and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range.

California Privacy Notice

This notice only applies to our applicants who reside in the State of California.

The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice at or before the point of collection about the categories of personal information to be collected from you the purposes for which your personal information is collected or used and whether that information is sold or shared so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018 as amended as amended by the California Privacy Rights Act of 2020 (CCPA).

If you have any questions about CCPA regarding California residents or HCA team members please contact the Privacy Team at .