Consumer Originations Risk Strategy Manager

Hyundai Capital America; Irvine (CA); Hybrid; USD 100,000 - 155,000; Full time

Benefits offered by this job

Hybrid flexibility – 4 days in office,

Vehicle allowance – monthly vehicle +购

Comprehensive health coverage

401(k) with company match

Life and disability insurance

Volunteer Time Off

Job summary

Hyundai Capital America in Irvine seeks a Consumer Originations Risk Strategy Manager to lead the development and implementation of credit risk strategies for new markets and oversee origination risk controls to support sound, consistent decision‑making.

You will evaluate decisioning rules, policies, models, and portfolio performance, forecast risk metrics, and deliver analyses that balance risk objectives with business priorities.

Qualifications

• Minimum 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.
• Proficiency using SAS, SQL, Excel, or similar tools to extract, analyze, and interpret data.

Responsibilities

• Define and coordinate Risk requirements necessary to launch HCA products in new markets.
• Evaluate credit decisioning rules to confirm alignment with risk strategies and market requirements.
• Develop, document credit risk policies for new markets.
• Review MEL and portfolio lifetime-loss models; provide monthly comparisons against internal risk model results.
• Forecast key risk metrics to support annual business planning.
• Support validation of application data transmitted from RouteOne to the loan origination system.
• Develop post-launch reporting to monitor origination mix, portfolio performance, and emerging risk trends.
• Benchmark global risk frameworks and identify practices applicable to new market operations.
• Monitor the effectiveness of judgmental decisioning edits, including policy limits and fraud-related rules.
• Evaluate and refine the decisioning waterfall to identify inefficiencies and improve decision quality.
• Track and analyze approvals and manual decisions to identify trends.
• Partner with Credit and Sales stakeholders to align policies, procedures, and risk strategies with business objectives.
• Maintain consumer origination risk data tables to support reporting and analysis.
• Partner with Data Office to maintain data definitions and governance standards.
• Represent Consumer Risk in EDGE committee meetings and promote consistent enterprise data definitions.

Skills

Analytical skills

Written and verbal communication

Collaboration

Education

Bachelor’s degree

Tools

SAS

SQL

Excel

Job description

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.

What You Will Do

The Consumer Originations Risk Strategy Manager leads the development and implementation of credit risk strategies for new markets and oversees origination risk controls to support sound, consistent decision-making. This role evaluates credit decisioning rules, policies, models, and portfolio performance, forecasts key risk metrics, and develops post-launch monitoring and management reporting to identify emerging trends and exposures. This role also serves as a steward of consumer origination risk data by partnering with the Data Office to maintain reliable data, governance standards, and automated quality controls, while collaborating with Credit, Sales, Finance, Operations, regional stakeholders, and management to deliver actionable analyses and recommendations that balance risk objectives with business priorities.

How You Will Make An Impact

• New Market Risk Strategy and Implementation
  • Define and coordinate Risk requirements necessary to launch HCA products in new markets.
  • Evaluate credit decisioning rules to confirm alignment with approved risk strategies, policies, and market requirements.
  • Develop, recommend, and document credit risk policies for new markets.
  • Review MEL and portfolio lifetime-loss models and provide monthly comparisons against internal Risk model results.
  • Forecast key risk metrics to support annual business planning and performance expectations
  • Support validation of application data transmitted from RouteOne to the loan origination system.
  • Develop post-launch reporting to monitor origination mix, portfolio performance, and emerging risk trend
  • Benchmark global risk frameworks and identify practices applicable to new market operations.
• Risk Control Management
  • Monitor the effectiveness of judgmental decisioning edits, including policy limits and fraud-related rules.
  • Evaluate and refine the decisioning waterfall to identify inefficiencies and improve decision quality.
  • Track and analyze approvals and manual decisions to identify trends
  • Partner with Credit and Sales stakeholders to align policies, procedures, and risk strategies with business objectives.
• Origination Risk Data Stewardship
  • Maintain consumer origination risk data tables to support accurate and reliable reporting and analysis.
  • Partner with the Data Office to maintain data tables, definitions, lineage, and supporting data dictionaries.
  • Represent Consumer Risk in EDGE committee meetings and promote consistent enterprise data definitions and governance standards.
  • Develop automated data-quality controls to identify and resolve inconsistencies within origination risk tables.
• Ad hoc reporting and analysis
  • Perform detailed variance analyses of monthly and plan vs actual product and program risk performance.
  • Deliver timely ad hoc analyses and actionable insights in support of business decisions and management requests
  • Prepare and present risk findings, performance insights, and recommendations to management to support informed decision-making and strategic risk oversight.

What You Will Bring To The Role

• Minimum 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 the ability to evaluate origination performance, identify trends, and assess risk exposure.
• Working knowledge of credit risk, lending economics, profitability drivers, and loss mitigation strategies within 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, including the ability to prepare management reporting and present recommendations.
• Ability to manage multiple projects or workstreams with attention to detail, deadlines, and business priorities.
• Strong collaboration skills with the ability to work effectively across Risk, Finance, Sales, Operations, Remarketing, and regional stakeholders.
• Ability to work independently, exercise sound judgment, and constructively challenge existing practices when appropriate.

WE TAKE CARE OF OUR PEOPLE

At HCA, our people drive our success. That’s why we offer a competitive rewards package that supports your health, financial future, and overall wellbeing—at work and beyond.

Benefits Highlights

• Hybrid flexibility – 4 days in office, 1 day remote
• Vehicle perks – monthly vehicle allowance plus purchase and lease discounts
• Comprehensive health coverage – medical, dental, and vision plans
• Employer-funded HSA contributions to help reduce healthcare costs
• 401(k) with company match and immediate vesting from day one
• 100% company-paid life and disability insurance
• Wellbeing benefits including fitness and health resources
• Leadership programs and career development that support continuous learning
• Paid Volunteer Time Off and a company charitable donation in your honor

What Happens Next

Because great benefits help you thrive—personally and professionally.

Other Details

Our Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace—because we believe diversity builds stronger teams. We comply with all applicable federal, state, and local equal employment opportunity laws and do not discriminate on the basis of race, religion or creed, color, national origin, ancestry, caste, citizenship, sex or gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, medical condition, genetic information, marital status, family care or medical leave status, military or veteran status, political affiliation, or any other characteristic protected by law. Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws.

California Privacy Notice This notice only applies to our applicants who reside in the State of California. The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (“CCPA”). If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at [e-mail].

Primary Location

United States-California-Irvine

Work Locations

Headquarters 1

Job Type

Regular

Overtime Status

Exempt

Schedule

Full-time

Minimum Salary

$100,000.00

Maximum Salary

$155,000.00

Job Posting

Oct 7, 2026