Senior Consumer Risk Analytics Lead

GM Financial

Monterrey

On-site

MXN 600,000 - 900,000

Full time

6 days ago

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Benefits offered by this job

Extended Maternity & Paternity Leaves

Personal Days

Profit Sharing

Life Insurance

Pension Plan

Job summary

GM Financial, a global auto finance leader, seeks a Senior Risk Consumer Specialist in Monterrey to lead advanced analytics and risk initiatives across credit origination, portfolio risk, and decisioning platforms. You will collaborate with Credit Operations, Analytics, Technology and central Risk teams to translate strategies into actionable capabilities.

You will translate complex data into risk insights, support governance, and help drive profitable growth while maintaining disciplined risk

Qualifications

Knowledge of portfolio performance indicators, including delinquency, roll rates, vintage analysis, losses, recoveries, expected losses, and risk-adjusted profitability.
Understanding of credit decisioning platforms, rules-based strategies, model implementation, testing, monitoring, and controlled change management.
Ability to communicate credibly and effectively with regulators, auditors, executive management, and governance committees.
Advanced analytical and problem-solving skills, with the ability to connect detailed data findings to commercial, financial, and strategic decisions.
Business and financial acumen, with the ability to understand the impact of risk decisions on growth, profitability, reserves, and customer experience.
Proficiency in data analysis and management reporting tools.

Responsibilities

Manage and oversee credit decisioning platforms from a Risk perspective, ensuring policies, strategies and rules are implemented and aligned with requirements.
Serve as the primary Consumer Risk contact for Credit Operations on decisioning platforms, policies, system functionality and strategy implementation.
Coordinate with central and global teams on the implementation and evolution of decisioning tools, representing Mexico Consumer Risk requirements.
Partner with Credit Operations, Technology, Analytics and central teams to translate risk strategies into decisioning capabilities.
Identify opportunities to improve efficiency, automate processes, and reduce manual intervention in credit evaluation.
Define and develop analytics and monitoring framework for credit decisioning platforms with relevant indicators.
Develop, assess, validate and monitor consumer credit policies and underwriting strategies.
Perform advanced analysis of consumer portfolio performance to identify emerging risks and opportunities.
Monitor risk indicators across the lifecycle including delinquency, losses, vintages, roll rates, and other measures.
Conduct ad hoc risk analyses and translate findings into actionable insights for management decisions.