Sr. Credit Risk Analyst
About The Position
Toyota Financial Savings Bank (TFSB) Credit Risk department is seeking a skilled and experienced Senior Credit Risk Analyst to join the team. The primary responsibility of this role is to lead credit risk analytics and reporting. This role is suited for a strong individual contributor with deep expertise in credit risk analytics, regulatory compliance, and risk strategy assessment. Reporting to the Manager of Consumer Risk, the person in this role will support the objective to strengthen credit risk oversight through data-driven insights and robust analytics. The ideal candidate will bring advanced technical capabilities, sound business acumen, and the ability to work independently while partnering effectively across teams to deliver accurate, actionable insights.
Requirements
- Bachelor’s degree in Statistics, Economics, Operations Research, Applied Mathematics, Data Science, Finance, or a related quantitative field
- 5+ years of experience in financial services, banking, or a related risk management environment
- Experience using SQL for compilation and manipulation of large data sets
- Advanced proficiency in MS Excel
- Demonstrated expertise with data visualization tools (i.e. Tableau or Power BI)
- Specialized knowledge of credit risk management concepts, metrics, and reporting practices
- Experience identifying trends through quantitative and qualitative analysis, managing projects, and presenting complex information to diverse stakeholders
- Proven ability to manage complex projects with multiple priorities while maintaining exceptional attention to detail.
- Strong written and verbal communication skills, with the ability to present complex information clearly to a range of stakeholders
Nice To Haves
- Master's degree in Statistics, Economics, Operations Research, Applied Mathematics, Data Science, Finance, or a related quantitative field
- Certifications in Tableau or Power BI
- 3+ years of experience in Automotive industry
- Experience with at least one programming language for analysis and automation (i.e. Python, SAS, or R)
- Experience working with legal regulatory reporting
Responsibilities
- Lead the development, maintenance, and enhancement of credit risk reporting and reporting frameworks, including recurring reporting, ad hoc analysis, and dashboards used to inform business and risk decisions.
- Serve as a key analytical partner to cross-functional stakeholders, leading advanced impact and swap-set analyses to assess proposed credit policy or strategy changes and quantify potential risk implications.
- Apply statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations.
- Leverage complex quantitative and qualitative methods to develop innovative risk assessment tools that extend beyond standard reporting practices.
- Drive continuous process improvements and automation initiatives to enhance reporting efficiency, data quality, and consistency, collaborating with data and technology teams to implement scalable solutions.
- Maintain strong controls over credit risk reporting to support accuracy, consistency, transparency, and audit readiness in alignment with internal and regulatory requirements.
- Manage assigned projects and analytical workstreams independently, escalating issues appropriately and delivering high-quality work within established timelines.
Benefits
- A work environment built on teamwork, flexibility and respect
- Professional growth and development programs to help advance your career
- Tuition reimbursement
- Team Member Vehicle Purchase Discount
- Toyota Team Member Lease Vehicle Program (if applicable)
- Comprehensive health care and wellness plans for your entire family
- Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute
- Paid holidays and paid time off
- Referral services related to prenatal services, adoption, childcare, schools and more
- Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)
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What This Job Offers
Job Type
Full-time
Career Level
Senior
