Risk Manager

Kinetic Advantage; Indianapolis (IN); On-site; USD 75,000 - 120,000; Full time

Job summary

Kinetic Advantage is seeking a Risk Manager to determine a customer’s appropriate level of risk and opportunity based on ongoing performance, credit data, and borrowing needs, ensuring portfolio health and strong dealer relations. This onsite role is based in Indianapolis.

You will analyze behaviors to minimize risk, mitigate delinquencies, and identify growth opportunities while coordinating with lending, asset recovery, and remarketing teams, aiming to maintain policy compliance and high

Qualifications

• Associates or Bachelor’s degree preferred but not required.
• Minimum 5 years' experience as a proactive portfolio manager.
• 5 years in automotive, collections, or financial services sectors.

Responsibilities

• Develop a thorough understanding of Kinetic Advantage policies, processes, and procedures, relative to assigned areas, and ensure adherence to established policies and procedures
• Apply experience and lessons learned to create or modify work methods related to portfolio risk indicators and overall partner experience
• Earn trust and build relationships over the phone, effectively communicate and exchange information with a wide diversity of individuals, both verbally and in writing
• Interact with delinquent dealers, as appropriate, and coordinate details with our Dealer Relationship Managers, Regional Sales Managers, Regional Vice Presidents, and others, as necessary to resolve disputes efficiently
• Demonstrate exceptional problem‑solving skills including the ability to ask probing questions to deeply understand the severity of and potential risk mitigants of various scenarios
• Work closely with other teams across Kinetic Advantage, including lending, collateral audits, asset recovery, and remarketing to achieve portfolio management goals, minimize loss expectations, and drive strong returns
• Receive, validate, and process floorplan collateral audit data in adherence to Kinetic’s policies, procedures, and advance guidelines
• Perform all other duties as assigned

Skills

Financial statement analysis

MS Office

Communication skills

Relationship building

Written communication

Organizational skills

Analytical skills

Multitasking

Valid driver's license

Education

Associates or Bachelor's degree preferred

5 years portfolio management experience

Experience in automotive/collections/financial services

Job description

Job Description

Kinetic Advantage is a dynamic independent floorplan company led by trusted industry veterans. Our core focus is helping our Independent Dealer customers and team members succeed while providing them with an exceptional and engaging user experience. We are committed to forging strong partnerships through transparent communication and simple, innovative solutions. We provide our customers and team members with the support and tools they need to grow throughout their journey.

Job Summary

The Risk Manager determines a customer’s appropriate level of risk and opportunity based on the customer’s ongoing performance, personal and business credit data, and borrowing needs. To achieve this, the Risk Manager analyzes the customers’ business behaviors to ensure risk levels are minimized and the needs of the clients are met according to company key performance indicators. Primary responsibilities include risk identification and mitigation to prevent or reduce loan portfolio delinquency, identify new areas for opportunity to grow a dealer’s relationship, and charge off.

This position is onsite.

Duties and Responsibilities

• Develop a thorough understanding of Kinetic Advantage policies, processes, and procedures, relative to assigned areas, and ensure adherence to established policies and procedures
• Apply experience and lessons learned to create or modify work methods related to portfolio risk indicators and overall partner experience
• Earn trust and build relationships over the phone, effectively communicate and exchange information with a wide diversity of individuals, both verbally and in writing
• Interact with delinquent dealers, as appropriate, and coordinate details with our Dealer Relationship Managers, Regional Sales Managers, Regional Vice Presidents, and others, as necessary to resolve disputes efficiently
• Demonstrate exceptional problem‑solving skills including the ability to ask probing questions to deeply understand the severity of and potential risk mitigants of various scenarios
• Work closely with other teams across Kinetic Advantage, including lending, collateral audits, asset recovery, and remarketing to achieve portfolio management goals, minimize loss expectations, and drive strong returns
• Receive, validate, and process floorplan collateral audit data in adherence to Kinetic’s policies, procedures, and advance guidelines
• Perform all other duties as assigned

Education and Experience

• Associates or Bachelor’s degree preferred but not required
• Must have 5 years prior experience as a proactive portfolio manager
• 5 years in automotive, collections, or financial services industry

Required Skills and Abilities

• Ability to read and understand basic financial statements
• Proficient with Microsoft Office Suite or related software
• Strong sense of urgency, with the ability to thrive in a fast‑paced and, at times, stressful environment
• Ability to effectively develop and maintain strong business relationships
• Strong written communication and negotiation skills
• Excellent organizational, analytical, and problem‑solving skills with strong attention to detail
• Ability to multitask, work efficiently, and prioritize
• Valid driver’s license

Physical Requirements

• Ability to sit at a desk and work on a computer for prolonged periods of time
• Must be able to communicate clearly
• Ability to operate computer and office equipment, maintain paper files, and move about an office environmentMust be able to move objects up to 20 pounds
• While performing the duties of this job, the employee will, at times, be subject to outside environmental conditions
• Ability to safely and successfully perform the essential job functions consistent with the ADA, FMLA, and other federal, state, and local standards

This job description reflects essential functions of this position but is subject to change at any time and does not restrict the tasks that may be assigned. All qualified applicants will receive consideration for employment without discrimination on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability, age, genetic information or any other factors prohibited by law.