Senior Analyst, Consumer Credit & Residual Value Risk

Toyota North America•Plano, TX

About The Position

Toyota Financial Savings Bank (TFSB) Credit Risk is seeking a skilled Senior Analyst, Consumer Credit & Residual Value Risk. This individual contributor will lead credit and residual value risk analytics, portfolio monitoring, and reporting across consumer portfolios. The role supports stronger risk oversight through data-driven insights, robust analytics, and clear reporting for senior management, the board, and regulatory stakeholders. The analyst will monitor consumer credit performance across auto loan, auto lease, and mortgage portfolios, and lead residual value risk analytics for the auto lease portfolio. The position reports to the Manager of Consumer Risk and works independently while partnering with teams across risk, finance, credit, operations, compliance, and servicing. It also supports regulatory exams, audits, compliance inquiries, executive risk committees, and improvements to risk reporting and controls.

Requirements

Bachelor’s degree in Finance, Economics, Business, Mathematics, Statistics, or a related field.
At least 3 years of experience in consumer credit risk, portfolio analytics, or related financial analysis.
Experience with auto lending, auto leasing, or consumer portfolio management, including knowledge of credit risk frameworks, residual value risk concepts, and portfolio monitoring practices.
Strong analytical and problem-solving skills with attention to detail.
Demonstrated experience with data analysis and reporting tools such as Excel, SQL, Python, Tableau, or similar platforms.
Ability to interpret large datasets and communicate complex findings clearly and concisely.
Experience preparing materials for senior leadership, board reporting, or regulatory examinations.
Strong written and verbal communication skills.
Ability to manage multiple priorities and work effectively in a fast-paced environment.

Nice To Haves

Certificates in Tableau or Power BI.
Experience with credit policy, loss forecasting, or risk governance processes.
Familiarity with regulatory expectations for consumer lending.

Responsibilities

Monitor consumer credit performance across auto loan, auto lease, and mortgage portfolios.
Lead the development and oversight of residual value risk analytics, monitoring, and reporting for the auto lease portfolio.
Analyze origination trends, portfolio behavior, delinquency, losses, recoveries, and other key risk metrics.
Track key risk indicators and threshold exceptions, identify emerging risks, and escalate issues appropriately.
Prepare recurring and ad hoc reporting for senior management.
Support analysis and reporting for regulatory exams, audits, and compliance-related inquiries.
Develop materials for the board of directors and executive-level risk committees.
Partner with internal stakeholders across risk, finance, credit, operations, compliance, and servicing.
Maintain documentation, methodologies, and data quality standards for portfolio risk reporting.
Assist in developing dashboards, scorecards, and analytics that improve risk visibility.
Contribute to policy, process, and control enhancements related to portfolio monitoring.

Benefits

Professional growth and development programs.
Tuition reimbursement.
Team Member Vehicle Purchase Discount.
Toyota Team Member Lease Vehicle Program, if applicable.
Comprehensive health care and wellness plans for the entire family.
Toyota 401(k) Savings Plan with company match and an annual retirement contribution, regardless of whether the employee contributes, if applicable.
Paid holidays and paid time off.
Referral services related to prenatal services, adoption, childcare, schools, and more.
Tax-advantaged accounts, including Health Savings Account, Health Care FSA, and Dependent Care FSA.
Relocation assistance, if applicable.