Consumer Originations Risk Strategy Lead

Careerglobalhc; United States; On-site; USD 120,000 - 160,000; Full time

Job summary

Hyundai Capital America is seeking a Consumer Originations Risk Strategy Manager to lead credit risk strategy development for new markets and oversee origination risk controls. This role partners with Data Office and cross-functional teams to deliver analyses, governance, and actionable insights that balance risk with growth.

The successful candidate will forecast risk metrics, monitor portfolio performance, and drive post-launch reporting while ensuring compliance with regulatory expectations

Qualifications

• 5-7 years of progressive experience in risk management, credit risk, portfolio analytics, or a related area within consumer financial services.
• Automotive finance industry experience preferred.
• Bachelor’s degree required
• Strong analytical skills, including evaluating origination performance, identifying trends, and assessing risk exposure.
• Working knowledge of credit risk, lending economics, profitability drivers, and loss mitigation strategies in consumer financial services.
• Familiarity with financial services regulations, oversight expectations, and risk management governance practices.
• Proficiency using SAS, SQL, Excel, or similar tools to extract, analyze, and interpret data.
• Strong written and verbal communication skills for management reporting and recommendations.
• Ability to manage multiple projects with attention to detail and deadlines.
• Strong collaboration across Risk, Finance, Sales, Operations, and regional stakeholders.
• Ability to work independently and constructively challenge

Responsibilities

• Lead the development and implementation of credit risk strategies for new markets.
• Oversee origination risk controls to support sound decision-making.
• Evaluate credit decisioning rules, policies, models, and portfolio performance.
• Develop post-launch monitoring and management reporting for trends and exposures.
• Partner with Data Office to maintain reliable data, governance, and quality controls.
• Deliver analyses and recommendations balancing risk with business priorities.
• Benchmark global risk frameworks for applicability to new markets.
• Monitor effectiveness of judgmental risk edits and policy limits.
• Refine the decisioning waterfall to improve efficiency and quality.
• Track approvals and manual decisions to identify trends.
• Coordinate with Credit, Sales to align risk strategies with business objectives.
• Maintain consumer origination risk data tables and definitions.
• Represent Consumer Risk in EDGE committee meetings and governance standards.
• Develop automated data-quality controls for origination risk tables.
• Provide ad hoc reporting and variance analyses of monthly results.
• Prepare risk findings and management presentations for strategic oversight.

Skills

Risk management

Credit risk

Portfolio analytics

SAS

SQL

Excel

Communication

Collaboration

Education

Bachelor's degree

Tools

SAS

SQL

Excel

Job description

Hyundai Capital America is seeking a Consumer Originations Risk Strategy Manager to lead credit risk strategy development for new markets and oversee origination risk controls. This role partners with Data Office and cross-functional teams to deliver analyses, governance, and actionable insights that balance risk with growth.

The successful candidate will forecast risk metrics, monitor portfolio performance, and drive post-launch reporting while ensuring compliance with regulatory expectations