Risk Credit Policy Analyst II

GM Financial•Irving, TX

16h•Hybrid

About The Position

GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses. At GM Financial, our team members define and shape our culture — an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive. Our Purpose: We pioneer the innovations that move and connect people to what matters. This position will be posted until filled.

Requirements

Demonstrated understanding of data warehouses, data mining, reporting, data analysis and data visualization techniques
Hands-on experience in developing and managing credit underwriting policies and origination scorecards, including implementation of decision rules and lending criteria
Strong understanding of risk-based decisioning frameworks, including approval strategies, segmentation, and policy-rule optimization
Advanced with Microsoft Excel, PowerPoint, and Word
Experience with coding (SAS or SQL preferred) for data mining and manipulation
Querying skills and knowledge in a data warehouse environment
Demonstrated quantitative skills
Acute attention to detail
Effective written and verbal presentation skills
Ability to interact collaboratively and proactively with internal customers
Capable of managing multiple projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines
2-4 years experience working with complex Excel workbooks, querying large multi-table datasets, data analysis, and data presentation; the qualified candidate will also be able to demonstrate proficiency with the following tools: SAS and/or SQL, Microsoft Excel, PowerPoint, and Word
2-4 years experience in consumer and/or commercial loan and lease origination analysis
High School Diploma
Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field; degrees in non-quantitative fields considered with adequate work experience

Nice To Haves

Experience with respect to data analysis and spreadsheet modeling and/or reporting
Understanding of the metrics utilized in monitoring the performance of a consumer or commercial lending portfolio is a plus
Strong focus on providing quality service to internal and external customers.
Working effectively within an AI enabled environment: Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
Skills in evaluating AI outputs for accuracy, compliance, and bias
Experience integrating AI into workflows to improve efficiency or insights
Familiarity with AI assisted research, summarization, and content generation
Understanding of responsible AI use, including ethics and data protection
Associate Degree
Master’s Degree Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field

Responsibilities

Develop and continuously enhance credit underwriting policies and risk scorecards, translating risk appetite into data-driven decision rules, segmentation, and lending criteria
Monitor, validate, and optimize policy and scorecard performance through back-testing, trend analysis, and impact assessments on approvals, volumes, and portfolio credit outcomes
Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan and lease origination activities
Summarize findings, develop recommendations and present analyses to management in a clear, concise, convincing, and actionable format
Employ best practices of data analysis and validation to ensure data results are accurate
Assist in the creation, maintenance and monitoring of origination credit policies, procedures and lending stipulations
Understand how change to origination credit policy and lending environment can impact loan/lease volume as well as overall credit performance
Proactively monitor and report relevant changes in origination trends and portfolio performance to management
Conduct ad hoc research projects incorporating project design, data collection and analysis, summarization of finding, and presentation of results