Manager, Credit Risk

CarMax • Atlanta, GA

1d • Onsite

About The Position

Each year, CarMax Auto Finance (CAF) helps CarMax customers with vehicle financing and optional protection products. The Manager of Credit Risk is responsible for providing analytical leadership and support for the effective management and growth of CAF’s portfolio of originations, including voluntary protection products, originations and portfolio management functions. The Manager develops and maintains an understanding of key business metrics in the areas of credit underwriting, pricing, loss forecasting and/or consumer activities to effectively manage these areas and is willing to think creatively to drive change as the business evolves. The role provides the opportunity to understand, communicate, and influence CAF objectives and processes to the larger CarMax organization.

Our company’s success is motivated by our customer-centric, data-informed approach to problem solving, with an unparalleled focus on a company culture that supports our associates and our community. This role will have a direct hand in this effort by leveraging your creative, analytical abilities to innovate and develop strategies that position CarMax Auto Finance ahead of the industry curve. It takes a tenacious enthusiasm for problem-solving combined with an inherent passion for doing what’s right, to balance the needs of the business and our customers in these endeavors. You will be entrusted to work independently, in an environment that is collaborative, fast-paced, and teamwork-centric. A candidate will use advanced analytics to provide business insights and recommendations to business leaders at all levels of the organization. The candidate will guide others and/or personally develop presentations and effectively communicate their analyses, insights and recommendations to the Senior Leaders of the organization. This Associate must be passionate about using data to drive business decisions, have experience working within an analytical team, and have the ability to independently manage a team and/or independently own a part of the analytical business.

Requirements

• Degree in an analytical major (Mathematics, Finance, Economics, Engineering, etc.) with evidence of academic achievement.
• 3 - 5 years of experience in an analytical or strategic role; experience managing a team is a plus
• Demonstrated ability to use data to drive analytical solutions to complex problems
• Ability to explain complex concepts and communicate business insights to other managers with different business backgrounds
• Proficiency in Excel and PowerPoint required
• Proficiency with database systems and/or software packages (ex: SAS, SQL,Python)
• Applicants must be currently authorized to work in the United States on a full-time basis.

Nice To Haves

• Advanced degree a plus
• experience managing a team is a plus

Responsibilities

• Leverage data to develop a deep understanding of CAF’s business operations and growth strategies. This may include analytical work within or across any of the following teams: credit originations, servicing strategy, forecasting/modeling, product management, and servicing analytics
• Coordinate efforts to obtain key data, analyze trends and identify target areas for innovation and develop testing strategies.
• Demonstrate strong teamwork by partnering with others to meet common objectives. Be able to lead cross-functional projects not only across CAF but also the larger CarMax organization
• Review and analyze existing business strategies and be prepared to use analytical approaches to develop strategy improvements and provide business guidance
• Produce reports and analysis for monthly portfolio and process performance, tracking, and evaluation
• Be independently responsible for a part of our business from an analytics perspective
• Manage a team and/or coach and guide more junior analysts

What This Job Offers

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