Director, Credit Risk & Analytics

CarMax • Atlanta, GA

1d • Hybrid

About The Position

CarMax Auto Finance (CAF), the captive lender behind CarMax, is seeking a Director of Credit Risk & Analytics to lead the analytical engine of its auto-finance business. The role combines operating and building: the Director will run the function while helping reshape its decisioning platform, data infrastructure, and use of alternative data. The position is based at the CAF office in Kennesaw, Georgia, with associates working onsite four days per week.

The Director will set originations strategy across credit policy, consumer pricing, fraud, and decisioning, balancing growth, risk-adjusted return, and customer experience. The role also owns P&L responsibilities, including developing forecast models and steering the business through a dynamic environment. The Director will lead and develop an analytical team, build manager-level leadership, and provide data-grounded recommendations to executives and senior leaders at CAF and CarMax.

Requirements

• Bachelor's degree in mathematics, statistics, finance, economics, a related field, or equivalent experience.
• 8–10 years of proven credit policy and/or credit risk management experience (or equivalent) across multiple functional areas or products.
• Experience managing analysts and managerial staff.
• Strong conceptual thinking skills to design and manipulate complex mathematical models, explain and predict business metrics, and analyze complex data to draw conclusions and make business recommendations.
• Ability to translate vague business objectives into concrete analysis tasks and lead a team in addressing them systematically.
• Ability to inspire and lead analytical teams to design and execute strategies that meet business goals and objectives.
• Ability to earn trust quickly with executives, cross-functional partners, and other key stakeholders.
• Applicants must be currently authorized to work in the United States on a full-time basis; sponsorship will not be considered.

Nice To Haves

• Master's degree.
• Strong knowledge of financial services.
• Advanced degree in a quantitative discipline, such as engineering, mathematics, statistics, operations research, economics, or physics.
• 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 tools such as Snowflake and Tableau.

Responsibilities

• Set originations strategy across credit policy, consumer pricing, fraud, and decisioning while balancing growth, risk-adjusted return, and customer experience.
• Evolve originations capabilities to support expansion into full-spectrum lending through technology, alternative data, and analytics.
• Own P&L responsibilities by developing forecast models and steering the business through a dynamic environment.
• Build and lead an analytical team, including hiring talent, developing manager-level leaders, and fostering an environment where analysts can do their best work.
• Influence executive decision-making with data-grounded recommendations and serve as a thought partner to CAF and CarMax senior leadership.
• Develop and reward subordinates and create an overall leadership talent pool.

Benefits

• May be eligible for bonus and equity.
• Paid sick time.
• Paid vacation time.
• Paid scheduled holidays and a floating holiday.
• Full-time salaried associates receive paid time away as needed for sick leave, vacation, bereavement, jury duty, holidays, and floating holidays, subject to manager approval.

What This Job Offers

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