Retail Credit Manager

Yamaha Motor US; Kennesaw (GA); On-site; USD 75,000 - 110,000; Full time

Benefits offered by this job

401(k) and Profit Sharing

Fertility Benefits

Life and AD&D Insurance

Wellness Program

Short-Term Disability Coverage

Long-Term Disability

Employee product discounts

Job summary

Yamaha Motor Corporation, USA is seeking a Retail Credit Manager to lead the Finance team's credit underwriting operations in Kennesaw, GA. You will supervise daily underwriting, enforce policy consistency, and drive risk controls for installment and revolving credit programs.

Expect to guide a 7+ person team, develop process improvements, monitor KPIs, and collaborate across departments to align with finance objectives while ensuring FCRA compliance.

Qualifications

• Bachelor’s degree or equivalent work experience in business, finance, or related field.
• At least 3 years’ experience managing indirect consumer credit originations and underwriting.
• Proficiency with MS Office (Excel, PowerPoint, Word).
• Willingness to travel overnight and occasional weekend travel.
• Experience leading a team of 7+ credit professionals.
• Strong communication skills and ability to handle escalations.

Responsibilities

• Lead daily operations for credit application review and verification, ensuring policy alignment.
• Identify opportunities to improve processes and update policy as needed.
• Develop and track KPIs across installment and revolving credit teams.
• Create and manage development plans to grow internal talent.
• Ensure compliance with federal and state lending laws including FCRA.
• Support development of policies and controls to manage risk and optimize workflow.
• Collaborate across funding, sales, QA to support finance objectives.

Skills

Credit underwriting

Team leadership

Regulatory compliance

Communication

Credit analytics

Education

Bachelor’s degree in Business, Finance, or related field

Tools

MS Office Suite (Excel, PowerPoint, Word)

Job description

Yamaha has an excellent opportunity for a Retail Credit Manager to join our Finance team in Kennesaw, GA. This position oversees daily credit underwriting operations for powersports and marine installment contracts and credit card accounts. This role leads a team of credit underwriters to ensure high-quality decisioning, consistent application of credit policy, and compliance with all applicable regulations.

What you’ll be doing:

• Lead daily operations for credit application review and verification, ensuring alignment with policy and business goals.
• Identify opportunities to improve processes and recommend policy updates.
• Develop and track key performance metrics across installment and revolving credit teams.
• Create and manage employee development plans to foster internal talent growth.
• Ensure compliance with federal and state laws, including the Fair Credit Reporting Act (FCRA).
• Support development of operational policies and controls to manage risk and optimize workflow.
• Collaborate across departments (funding, sales, QA) to support company-wide finance objectives.

What you need to be successful:

• Bachelor’s degree in Business, Finance, or related field (or equivalent work experience).
• Minimum 3 years of experience managing indirect consumer credit originations and underwriting, ideally in automotive, RV, or powersports finance.
• Proficient in MS Office Suite (Excel, PowerPoint, Word).
• Willingness to travel overnight; occasional weekend travel for industry events.
• Comprehensive understanding of lending principles, credit analytics, and regulatory compliance.
• Proven success leading a team of 7+ credit professionals with a hands-on, results-oriented management style.
• Exceptional communication skills and confidence handling escalations or group presentations.
• Collaborative leadership approach adaptable to change and high-pressure environments.

Don’t meet every single requirement? Studies have shown that women and underrepresented minorities are less likely to apply to jobs unless they meet each single qualification. At Yamaha, we understand that talent comes in various forms ; as such, we are dedicated to building a diverse, inclusive, and authentic workplace . If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. You may be just the right candidate for this or other roles!

What’sin it for you:

• 401(k) and Profit Sharing
• Fertility Benefits
• Life and AD&D Insurance
• Wellness Program
• Short-Term Disability Coverage (for hourly roles)
• Long-Term Disability
• Ability to borrow Yamaha product

Reports to: Department Manager

Yamaha Motor Corporation, USA is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, genderidentify, national origin, veteran or disability or any other status protected by federal, state, or local law. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Area of Interest

Finance and Accounting