Director, Credit Risk & Analytics

CarMax • Atlanta, GA

1d • $148,100 - $237,000 • Hybrid

About The Position

As the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer, and more transparent – empowering customers across the credit spectrum to unlock affordability and drive away in the dream vehicle.
The Director of Credit Risk & Analytics owns the analytical engine behind that business. This is a builder's seat as much as an operator's. CAF is investing in our decisioning platform, our data infrastructure, and our use of alternative data — and we're looking for a leader who can both run the function with discipline and reshape it for what comes next.

Requirements

• Bachelor's degree in mathematics, statistics, finance, economics, a related field, or equivalent experience; Master's degree preferred
• 8–10 years of proven credit policy and/or credit risk management experience (or equivalent) across multiple functional areas or products, including experience managing analysts and managerial staff; strong knowledge of financial services preferred
• Strong conceptual thinking skill to design and manipulate complex mathematical models to explain and predict business metrics, and to analyze complex data to draw conclusions and make business recommendations
• Ability to convert vague business objectives into concrete analysis tasks and lead a team to tackle them systematically
• Ability to inspire and lead analytical teams to effectively design and execute strategies that meet business goals and objectives
• Applicants must be currently authorized to work in the United States on a full-time basis. Sponsorship will not be considered for this specific role.

Nice To Haves

• Advanced degree in a quantitative discipline (engineering, math, statistics, operations research, economics, physics, etc.)
• Prior leadership experience in auto finance, consumer lending, and/or fintech
• Hands-on familiarity with machine learning and alternative data in a lending context
• Working proficiency in SQL, Python or R, and modern data / BI tooling (Snowflake, Tableau, etc.)

Responsibilities

• Setting originations strategy across credit policy, consumer pricing, fraud, and decisioning — balancing growth, risk-adjusted return, and customer experience
• Evolving originations capabilities to further expansion into full-spectrum lending, through technology, alternative-data, and analytics.
• Owning P&L responsibilities by developing forecast models and successfully steering the business to navigate a highly dynamic environment
• Building and leading a world-class analytical team — hiring exceptional talent, developing manager-level leaders, and creating an environment where analysts do their best work
• Influencing executive decision-making with data-grounded recommendations, and serving as a thought partner to CAF and CarMax senior leadership

Benefits

• Paid sick time
• Vacation time
• Holiday time
• Floating holiday
• Holiday Premium Pay
• Paid time away with no specified limit as needed for sick, vacation, bereavement, jury duty, holidays, floating holiday, etc. subject to manager approval.

What This Job Offers

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