Sr. Consumer Credit Analyst

Hyundai Capital; Toronto; On-site; CAD 70,000 - 90,000; Full time

Job summary

A leading company within the automotive finance sector is seeking a Sr. Consumer Credit Analyst in Toronto. This role includes adjudicating credit applications, mentoring junior analysts, and ensuring compliance within a fast-paced environment. The ideal candidate will have extensive experience in credit analysis and will contribute to enhancing operational efficiency.

Qualifications

• 4+ years’ experience as a Credit Analyst in consumer credit.
• Bilingual in French and English preferred.
• Strong knowledge of funding procedures and compliance laws.

Responsibilities

• Adjudicate credit applications and monitor dealer performance.
• Mentor new credit analysts and provide feedback on processes.
• Complete special projects as assigned by management.

Skills

Credit Analysis

Communication

Time Management

Collaboration

Bilingual (French and English)

Education

High School Diploma

College Degree

Tools

Microsoft Excel

Microsoft Word

Microsoft Outlook

Automated Credit Decision Systems (FiServ/Defi)

Job description

Job Description - Sr. Consumer Credit Analyst (250000EI)

Job Description

Sr. Consumer Credit Analyst - ( 250000EI )

Description

Who We Are: Hyundai Capital Canada (HCCA) is the Canadian captive finance business for Hyundai Motor Group. We go to market under the service brands Hyundai Motor Finance, Kia Motors Finance and Genesis Finance. Through a network of over 400 Hyundai and Kia dealerships nationwide, we provide indirect vehicle financing and leasing solutions to consumers and commercial customers.

Employee Value Prop and Culture: Our employees contribute every day to a culture that is fast-paced, dynamic, energized, agile, and collaborative. From our various employee programs to the unique design of our offices, we strive to foster a connected, fun, positive and rewarding company culture where employees feel appreciated for their contributions, proud of their company, and passionately invested in HCCA's success.

Global One Company: Many countries. One identity. Hyundai Capital has offices across the world, including South Korea, the United States, China, the United Kingdom, Germany, Russia, and Brazil. Our work environments are designed with specific themes in mind to achieve a consistent global identity that reflects our values: simplicity, collaboration, elements of nature and symmetry.

Position Details: Reporting to the Manager, Consumer Credit, the Senior Associate, Consumer Credit is responsible for adjudicating credit applications and making decisions within defined risk tolerances, with authority to make exceptions where appropriate. This role serves as a key point of contact for Dealers, Sales, and the Funding Department, requiring clear communication via phone, email, and internal systems. The role demands multitasking across credit decisioning, escalations, compliance monitoring, and providing mentorship and backup support.

Duties and Responsibilities:

• Adjudicate credit applications in alignment with established risk tolerances and service level agreements (SLAs).
• Review funding requests requiring exceptions or overrides, as well as escalations from credit analysts, ensuring decisions are timely and within defined turn times.
• Provide feedback to managers on non-compliance trends and support calibration meetings for continuous improvement.
• Monitor dealer performance and fraud indicators and provide updates to managers and the Risk team for maintaining Caution and Watchlists.
• Mentor and support onboarding of credit analysts through knowledge sharing and training.
• Provide backup support to credit managers to ensure operational continuity.
• Complete ad hoc tasks and special projects as assigned by management.

Qualifications

• 4+ years’ experience as a Credit Analyst in consumer credit.
• Bilingual proficiency in French and English preferred.
• Strong knowledge of funding procedures, loan documentation, and the end-to-end credit analysis process.
• Experience with automated credit decision systems (FiServ/Defi or equivalent).
• Solid understanding of compliance laws related to retail consumer lending and funding.
• High school diploma required; college degree is a plus.
• Proven ability to manage multiple tasks, build relationships, and communicate effectively in both oral and written formats.
• Intermediate to advanced proficiency in Microsoft Excel, Word, and Outlook.
• Strong time management, collaboration, training, coaching, and feedback skills.

Hyundai Capital Canada Inc. is committed to acknowledge applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Primary Location

Work Locations

Work Locations

: CAN - Toronto 123 Front Street West, 10th Floor 10th Floor Toronto M5J 2M3