Analyst II, Credit Risk

CarMax • Atlanta, GA

5d • Hybrid

About The Position

As an Analyst II, Credit Risk, you will help shape CarMax Auto Finance’s credit strategies and drive operational excellence. You will use data analytics, statistical modeling, and database tools to analyze, test, and implement credit product strategies that support business performance and customer experience. The role includes identifying ways to optimize credit and origination processes, developing actionable recommendations, and delivering insights to senior leadership.

You will design and maintain dashboards covering key measures such as originations, bookings, and sales trends, ensuring reporting is timely and accurate. You will also support compliance with regulatory standards and operational risk controls. The position is part of a collaborative, data-driven Credit Risk team in a fast-paced environment.

Associates may work from CarMax Auto Finance’s office in Kennesaw, Georgia, and are required to work onsite four days per week.

Requirements

• Bachelor’s degree.
• 0–3 years of experience in an analytical role.
• Ability to access, manipulate, and interpret data using analytical tools.
• Proficiency in Excel, PowerPoint, and general software applications.
• Strong communication skills.
• Must be currently authorized to work in the United States on a full-time basis; sponsorship is not available for this role.

Nice To Haves

• Degree in an analytical or mathematical discipline.
• Experience with database systems and programming tools such as SQL or Python.

Responsibilities

• Analyze, test, and implement credit product strategies using statistical and database tools to improve performance.
• Identify opportunities to optimize credit and origination processes for the business and customers.
• Design and maintain dashboards for metrics such as originations, bookings, and sales trends.
• Provide insights and updates to senior leadership to support strategic decision-making.
• Ensure compliance with regulatory standards and operational risk controls.

Benefits

• Eligible associates may receive a bonus and equity.
• Full-time associates receive paid sick time, vacation time, and paid holidays, with provisions varying by associate classification.
• Full-time hourly or commission/incentive-eligible associates can accrue up to 48 hours of sick time per year and receive 80–200 hours of vacation per year after a 90-day waiting period, depending on continuous service.
• Full-time hourly or commission/incentive-eligible associates receive eight hours of pay for each of six scheduled paid holidays per year, plus one floating holiday; holiday premium pay may apply when working a scheduled holiday due to business need.
• Full-time salaried associates receive paid time away as needed for sick time, vacation, bereavement, jury duty, holidays, and floating holidays, subject to manager approval.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level