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 world's 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. We're 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 Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.
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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.
This position is based at the Toyota Headquarters in Plano, TX
Who We're Looking For
The Manager, Consumer Credit Risk is a business analyst manager responsible for leading credit policy and strategy development for TMCC's consumer auto business. This role includes leading a team of business analysts to drive profitable growth and process innovation through optimizing auto-decisioning strategy, establishing new capabilities to improve underwriting, and monitoring risk performance of consumer auto loans and leases. A successful candidate has consumer auto credit risk experience, demonstrated ability to lead a team of risk and analytics professionals by generating actionable and value adding insights, a is able to collaborate with partners and stakeholders across a business network to communicate change and build buy-in.
What You'll Be Doing
- Origination Risk responsibilities include management of credit decisioning scorecards for lease and loan applications, auto-decisioning policy and automation, origination asset quality monitoring, performance monitoring, and manual underwriting guidelines.
- Identifying opportunities and developing strategy changes to increase market competitiveness, gain profitable business, and react quickly to changing dynamics and trends
- Leading presentations and distilling complex analyses and insights into clear summaries, visualizations, and actionable recommendations for the Executive leadership team and Executive Committees
- Coaching and development of more junior analysts on the team, including hard data skills (e.g. SQL, Python), developing analytical frameworks and analysis plans, and communicating insights through effective storytelling.
- Build relationships with key stakeholders and become a trusted partner across TMCC including Sales, Marketing, Technology, Legal, Compliance, and Finance.
What You Bring
- Bachelor's degree
- At least 3 years of analytical experience in managing consumer credit risk
- People leadership experience with a team of analytics professionals
- Track record of effective communication and collaboration with internal stakeholders, external partners, and leadership.
Added Bonus If You Have
- Auto Finance experience
- 6+ years of relevant work experience
- Advanced statistical knowledge
- Experience leading development, use, or monitoring of statistical models
What We'll Bring
During your interview process, our team can fill you in on all the details of our industry-leading 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 Advantages 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 talent.acquisition@toyota.com.