Director, Consumer Credit Risk and Fraud Management

To save time applying Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this positionat this time.

Whowerelookingfor

Toyotas Risk Department isseekinga passionate and highly motivatedDirector of Consumer Credit Risk and Fraud Management.

The primary responsibility is to leadthe Originations Credit Strategy Portfolio Reporting/Analytics Collections Decisioning/Analytics and Fraud Strategy functions for TMCCs consumer lending portfolio. Managers for each of these functional areas report to the Director.

Reporting to the Chief Credit Officer a successful candidate in this role with bring a strong background of relevant experience in credit and fraud risk management deep expertise in statistical models and model ownership best practices demonstrated ability to lead teams of risk and analytics professionals by generating actionable and value adding insights and excellent relationship management skills to ensure effectiveness in working with leaders in Sales/Credit Service Operations Legal/Compliance Data Science Pricing/Finance and Treasury.

Whatyoullbedoing

• Origination Credit Strategy responsibilities include management of credit decisioning scorecards for lease and loan applications auto-decisioning policy and automation roadmap origination asset quality/KPI monitoring risk appetite framework management underwriting guidelines and evaluation of new product risk costs (e.g.pre-approvals).

• Portfolio Reporting/Analytics responsibilities include managing a wide-range of dashboards and reporting on consumer credit risk and fraud KPIs at various frequencies (daily weekly monthly) and for various users (executive management analyst) to ensure deviations in trends or expectations are identified quickly diagnosed and decisions can be rendered on potential changes to strategy policy and/or guidelines.

• Collections Decisioning/Analytics responsibilities include management ofbehavioralmodel scoring recommended treatments for delinquent accounts testing new collections treatment strategies (loss mitigation and efficiency) and impact analysis of changes in policy strategy and/or regulatory rules. This role will alsoidentifyopportunities to reduce loss severity through various strategies and internal/external data resources.

• Fraud Strategy responsibilities include management of fraud strategy in originations loss mitigation and KPIs/SLAs from our Fraud Control team and vendors to mitigate fraud impacts to TMCC. This role oversees budget target settingupdatesand recommendations to the Enterprise Fraud Management team which includes membership from various teams across TMCC and TFSB supporting overall enterprise fraud management.

• Managing a range of both large scale analytical/modeling projects and implementations as well as reacting quickly to changing dynamics and trends

• Managing team budget resources/prioritization target/goal achievement and recruiting/retaining/developing department team members

• Leading presentations and distilling complex analyses into clear summaries visualizations and actionable recommendations for Executive leadership team and Executive Committees

Whatyoubring

• Bachelors degree in quantitativeor a related field

• 5 years of experience in Credit Strategy Originations and Fraud Risk Management in financial services

• Experience in statistical models and model ownership best practices

• 2 years of experience in a leadership role withdemonstratedexperience managing teams of risk and analytics professionals

• Track recordof effective communication and collaboration with internal stakeholders external partners and executive management

• Travel up to 10%

Addedbonusifyouhave

• Masters degree preferred

• Auto finance experience preferred

• 10 years of relevant work experience in financial services

WhatWellBring

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 builton teamworkflexibilityand 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)

• Relocationassistance(if applicable)