Consumer Originations Risk Strategy Manager

Hyundai Capital America (HCA) helps people move forward. Through Hyundai Motor Finance Genesis Finance and Kia Finance we deliver innovative financing leasing and insurance solutions to more than 3 million customers and businesses nationwide.

Were a company driven by growth innovation and people. At HCA youll find opportunities to build new skills expand your career and make a real impactwhile working in a diverse inclusive and valuesdriven environment. Were proud to support our communities through volunteerism philanthropy and engaged Employee Resource Groups.

If youre looking for a fastpaced collaborative workplace where your ideas matter join us as we lead the future of financing freedom of movement. Apply today.

WHAT YOU WILL DO

The Consumer Originations Risk Strategy Manager leads the development and implementation of credit risk strategies for new markets and oversees origination risk controls to support sound consistent decision-making. This role evaluates credit decisioning rules policies models and portfolio performance forecasts key risk metrics and develops post-launch monitoring and management reporting to identify emerging trends and exposures. This role also serves as a steward of consumer origination risk data by partnering with the Data Office to maintain reliable data governance standards and automated quality controls while collaborating with Credit Sales Finance Operations regional stakeholders and management to deliver actionable analyses and recommendations that balance risk objectives with business priorities.

HOW YOU WILL MAKE AN IMPACT

• New Market Risk Strategy and Implementation

  • Define and coordinate Risk requirements necessary to launch HCA products in new markets.

  • Evaluate credit decisioning rules to confirm alignment with approved risk strategies policies and market requirements.

  • Develop recommend and document credit risk policies for new markets.

  • Review MEL and portfolio lifetime-loss models and provide monthly comparisons against internal Risk model results.

  • Forecast key risk metrics to support annual business planning and performance expectations

  • Support validation of application data transmitted from RouteOne to the loan origination system.

  • Develop post-launch reporting to monitor origination mix portfolio performance and emerging risk trend

  • Benchmark global risk frameworks and identify practices applicable to new market operations.

• Risk Control Management

  • Monitor the effectiveness of judgmental decisioning edits including policy limits and fraud-related rules.

  • Evaluate and refine the decisioning waterfall to identify inefficiencies and improve decision quality.

  • Track and analyze approvals and manual decisions to identify trends

  • Partner with Credit and Sales stakeholders to align policies procedures and risk strategies with business objectives.

• Origination Risk Data Stewardship

  • Maintain consumer origination risk data tables to support accurate and reliable reporting and analysis.

  • Partner with the Data Office to maintain data tables definitions lineage and supporting data dictionaries.

  • Represent Consumer Risk in EDGE committee meetings and promote consistent enterprise data definitions and governance standards.

  • Develop automated data-quality controls to identify and resolve inconsistencies within origination risk tables.

• Ad hoc reporting and analysis

  • Perform detailed variance analyses of monthly and plan vs actual product and program risk performance.

  • Deliver timely ad hoc analyses and actionable insights in support of business decisions and management requests

  • Prepare and present risk findings performance insights and recommendations to management to support informed decision-making and strategic risk oversight.

WHAT YOU WILL BRING TO THE ROLE

• Minimum 57 years of progressive experience in risk management credit risk portfolio analytics or a related area within consumer financial services.

• Automotive finance industry experience preferred.

• Bachelors degree required

• Strong analytical skills including the ability to evaluate origination performance identify trends and assess risk exposure.

• Working knowledge of credit risk lending economics profitability drivers and loss mitigation strategies within consumer financial services.

• Familiarity with financial services regulations oversight expectations and risk management governance practices.

• Proficiency using SAS SQL Excel or similar tools to extract analyze and interpret data.

• Strong written and verbal communication skills including the ability to prepare management reporting and present recommendations.

• Ability to manage multiple projects or workstreams with attention to detail deadlines and business priorities.

• Strong collaboration skills with the ability to work effectively across Risk Finance Sales Operations Remarketing and regional stakeholders.

• Ability to work independently exercise sound judgment and constructively challenge existing practices when appropriate.

WE TAKE CARE OF OUR PEOPLE

At HCA our people drive our success. Thats why we offer a competitive rewards package that supports your health financial future and overall wellbeingat work and beyond.

Benefits Highlights

• Hybrid flexibility 4 days in office 1 day remote

• Vehicle perks monthly vehicle allowance plus purchase and lease discounts

• Comprehensive health coverage medical dental and vision plans

• Employer-funded HSA contributions to help reduce healthcare costs

• 401(k) with company match and immediate vesting from day one

• 100% company-paid life and disability insurance

• Wellbeing benefits including fitness and health resources

• Leadership programs and career development that support continuous learning

• Paid Volunteer Time Off and a company charitable donation in your honor

Because great benefits help you thrivepersonally and professionally.

WHAT HAPPENS NEXT

Express your interest by submitting an application. Once your application is received our recruiting team will review your application to see if you meet the basic and preferred qualifications listed on the job description. For more information on our culture visit our careers page.

OTHER DETAILS

Our Company is an equal opportunity employer committed to fostering a diverse inclusive and respectful workplacebecause we believe diversity builds stronger teams. We comply with all applicable federal state and local equal employment opportunity laws and do not discriminate on the basis of race religion or creed color national origin ancestry caste citizenship sex or gender (including pregnancy childbirth or related medical conditions) sexual orientation gender identity or expression age disability medical condition genetic information marital status family care or medical leave status military or veteran status political affiliation or any other characteristic protected by law. Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws.

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 foundhere. 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 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.