Sr. Portfolio Risk Associate

Hyundai Capital • Irvine, CA

7d • Hybrid

About The Position

The Sr. Portfolio Risk Associate is responsible for portfolio analytics, tracking, reporting and monitoring for the purposes of controlling and managing the company’s risk tolerance. The Senior Associate will also be running and supporting the financial reporting, calculations and sample testing for HCA’s Consumer Allowance for Loan and Lease Losses (ALL). Additional responsibilities will include midmonth and annual loss forecasting, including the tracking of historical roll rates by risk segment, identifying operational drivers, and understanding the macroeconomic environment that can be used as forecasting tools. These tools will be used in conjunction with running the loss model to increase forecast accuracy. Hyundai Capital America (HCA) helps people move forward. Through Hyundai Motor Finance, Genesis Finance, and Kia Finance, we deliver innovative financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide. We’re a company driven by growth, innovation, and people. At HCA, you’ll find opportunities to build new skills, expand your career, and make a real impact—while working in a diverse, inclusive, and values‑driven environment. We’re proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups. If you’re looking for a fast‑paced, collaborative workplace where your ideas matter, join us as we lead the future of financing freedom of movement.

Requirements

• Minimum 4-6 years’ related experience in consumer finance Risk field.
• SAS or SQL experience required, R and Python experience a plus.
• Collections or Customer Service operations background a plus
• Bachelor’s degree in Mathematics, Statistics, Economics or related quantitative field.
• An in-depth understanding of statistics with some application of modeling and scoring techniques.
• A thorough understanding of credit risk principles, portfolio management, FASB accounting standards on Current Expected Credit Loss (CECL) and International Financial Reporting Standard (IFRS) 9 accounting standards for loss reserving.
• Strong PC skills; Microsoft Excel, Word, PowerPoint, Visio and relational database concepts.
• Ability to comprehend instructions, create documentation on reporting and explain complex systems and data succinctly.
• Ability to understand business objectives and their relationship to the importance of individual projects.

Nice To Haves

• R and Python experience a plus.
• Collections or Customer Service operations background a plus
• Master’s degree preferred.

Responsibilities

• Develop portfolio analysis of credit segments to differentiate portfolio delinquency and loss performance, assess risk and opportunities of portfolio performance trends, and effectively communicate them to management.
• Maintain and improve portfolio delinquency and loss dashboards in Tableau to improve reporting and efficiency for bi-weekly credit loss meetings.
• Generate the quarterly ALLL Consumer Reserves calculation for CECL and IFRS 9 by working with model development team and validating model output results.
• Re-evaluate qualitative factors on a quarterly basis to ensure the appropriate level of adjustments to the allowance.
• Produce production reports for Risk Control Committee (RCC) presentation and track portfolio segments relative to the company’s risk triggers portfolio trends and assess the risk of those trends.
• Track macroeconomic forecasts by using Moody’s Analytics DataBuffet, informing management and executives up-to-date information for best decision management and corrective actions
• Assist in the preparation of ALLL control documentation and quarterly memorandum and sample testing for external auditors.
• Prepare all necessary Provided-by-client (PBC) requests from auditors outside of ALLL KSOX framework.
• Perform data mining/analysis and automation of data reports and presentations to support Portfolio Risk strategy initiatives.

Benefits

• Hybrid work schedule offering 4 on-site days and 1 remote day per week
• Vehicle benefits designed around your role , including monthly allowances and purchase and lease discounts
• Flexible health coverage with medical, dental, and vision plans, including no cost and low-cost options
• Annual employer HSA contribution to help offset healthcare expenses
• 401(k) with company match and immediate vesting
• 100% company paid life and disability insurance
• Wellbeing programs at no cost to you , including gym benefits and health resources
• Generous parental leave to support growing families
• Paid Volunteer Time Off , plus a company donation to a charity of your choice

What This Job Offers

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