Sr. Portfolio 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. Portfolio Risk Associate is responsible for portfolio analytics tracking reporting and monitoring for the purposes of controlling and managing the companys risk tolerance. The Senior Associate will also be running and supporting the financial reporting calculations and sample testing for HCAs Consumer Allowance for Loan and Lease Losses (ALLL). Additional responsibilities will include mid-month and annual loss forecasting including the tracking of historical roll rates by risk segment identifying operational drivers and understanding the macroeconomic environment that can be used as forecasting tools. These tools will be used in conjunction with running the loss model to increase forecast accuracy.

What You Will Do

1. Develop portfolio analysis of credit segments to differentiate portfolio delinquency and loss performance assess risk and opportunities of portfolio performance trends and effectively communicate them to management. Maintain and improve portfolio delinquency and loss dashboards in Tableau to improve reporting and efficiency for bi-weekly credit loss meetings.

2. Generate the quarterly ALLL Consumer Reserves calculation for CECL and IFRS 9 by working with model development team and validating model output results. Re-evaluate qualitative factors on a quarterly basis to ensure the appropriate level of adjustments to the allowance.

3. Produce production reports for Risk Control Committee (RCC) presentation and track portfolio segments relative to the companys risk triggers portfolio trends and assess the risk of those trends.

4. Track macroeconomic forecasts by using Moodys Analytics DataBuffet informing management and executives up-to-date information for best decision management and corrective actions.

5. Assist in the preparation of ALLL control documentation and quarterly memorandum and sample testing for external auditors. Prepare all necessary Provided-by-client (PBC) requests from auditors outside of ALLL KSOX framework.

6. Perform data mining/analysis and automation of data reports and presentations to support Portfolio Risk strategy initiatives.

What You Will Bring

Minimum 4-6 years related experience in consumer finance Risk field.

SAS or SQL experience required R and Python experience a plus.

Collections or Customer Service operations background a plus.

Bachelors degree in Mathematics Statistics Economics or related quantitative field.

Masters degree preferred.

An in-depth understanding of statistics with some application of modeling and scoring techniques

A thorough understanding of credit risk principles portfolio management FASB accounting standards on Current Expected Credit Loss (CECL) and International Financial Reporting Standard (IFRS) 9 accounting standards for loss reserving.

Strong PC skills; Microsoft Excel Word PowerPoint Visio and relational database concepts.

Ability to comprehend instructions create documentation on reporting and explain complex systems and data succinctly.

Ability to understand business objectives and their relationship to the importance of individual projects.

Strong written and verbal communication skills

The ability to work independently as well as within a team.

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).

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