Senior Analyst, Consumer Credit & Residual Value Risk

toyota; Plano (TX); On-site; USD 90,000 - 120,000; Full time

Job summary

Toyota Financial Savings Bank (TFSB) Credit Risk department seeks a Senior Analyst, Consumer Credit & Residual Value Risk to join the team in Plano, TX. Lead analytics, monitoring, and reporting across consumer portfolios and support senior management and regulatory inquiries.

The role emphasizes data-driven insights, cross-functional collaboration, and the ability to work independently while delivering accurate analyses for risk oversight and governance.

Qualifications

• Bachelor's degree in Finance, Economics, Business, Mathematics, Statistics, or a related field.
• 3+ years of experience in consumer credit risk, portfolio analytics, or related financial analysis.
• Experience with auto lending, auto leasing, or consumer portfolio management.

Responsibilities

• Monitor consumer credit performance across auto loan, auto lease, and mortgage portfolios.
• Lead development and oversight of residual value risk analytics, monitoring, and reporting for auto lease portfolio.
• Analyze origination trends, portfolio behavior, delinquency, losses, recoveries, and other key risk metrics.
• Track key risk indicators and threshold exceptions; identify emerging risks and escalation appropriately.
• Prepare recurring and ad hoc reporting for senior management.
• Support analysis and reporting for regulatory exams, audits, and compliance inquiries.
• Develop materials for the board of directors and executive risk committees.
• Partner with internal stakeholders across risk, finance, credit, operations, compliance and servicing.
• Maintain documentation, methodologies, and data quality standards for portfolio risk reporting.
• Assist in the development of dashboards, scorecards, and analytics that improve risk visibility.
• Contribute to policy, process, and control enhancements related to portfolio monitoring.

Skills

Analytical skills

Problem solving

Strong communication

Education

Bachelor's degree in Finance, Economics, Business, Mathematics, Statistics, or related field

Tools

Excel

SQL

Python

Tableau

Job description

Who we are

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world's most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We're looking for talented team members who want to Dream. Do. Grow. with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.

Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, 'job flexibility benefits' [also known as I-140 or Adjustment of Status portability], etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

Who we’re looking for

Toyota Financial Savings Bank (TFSB) Credit Risk department is seeking a skilled and experienced Senior Analyst, Consumer Credit & Residual Value Risk to join the team.

The primary responsibility of this role is to lead credit and residual value risk analytics, portfolio monitoring, and reporting across consumer portfolios. This role is suited for a strong individual contributor with deep expertise in consumer credit risk, residual value risk, regulatory compliance, and risk strategy assessment.

Reporting to the Manager of Consumer Risk, the person in this role will support the TFSB Credit Risk department's objective to strengthen credit and residual value risk oversight through data-driven insights, robust analytics, and clear reporting for senior management, board, and regulatory stakeholders. The ideal candidate will bring advanced technical capabilities, sound business acumen, and the ability to work independently while partnering effectively across teams to deliver accurate, actionable insights.

What you’ll be doing

• Monitor consumer credit performance across auto loan, auto lease, and mortgage portfolios.
• Lead the development and oversight of residual value risk analytics, monitoring, and reporting for the auto lease portfolio.
• Analyze origination trends, portfolio behavior, delinquency, losses, recoveries, and other key risk metrics.
• Track key risk indicators and threshold exceptions; identify emerging risks and escalation appropriately.
• Prepare recurring and ad hoc reporting for senior management.
• Support analysis and reporting for regulatory exams, audits, and compliance-related inquiries.
• Develop materials for the board of directors and executive-level risk committees.
• Partner with internal stakeholders across risk, finance, credit, operations, compliance and servicing.
• Maintain documentation, methodologies, and data quality standards for portfolio risk reporting.
• Assist in the development of dashboards, scorecards, and analytics that improve risk visibility.
• Contribute to policy, process, and control enhancements related to portfolio monitoring.

What you bring

• Bachelor's degree in Finance, Economics, Business, Mathematics, Statistics, or a related field.
• 3+ years of experience in consumer credit risk, portfolio analytics, or related financial analysis.
• Experience with auto lending, auto leasing, or consumer portfolio management, including knowledge of credit risk frameworks, residual value risk concepts, and portfolio monitoring practices.
• Strong analytical and problem-solving skills with attention to detail.
• Demonstrated experience in data analysis and reporting tools such as Excel, SQL, Python, Tableau, or similar platforms.
• Ability to interpret large datasets and communicate complex findings in a clear, concise manner .
• Experience preparing materials for senior leadership, board reporting, or regulatory examinations.
• Strong written and verbal communication skills.
• Ability to manage multiple priorities and work effectively in a fast-paced environment.

Additional bonus if you have

• Certificates in Tableau or Power BI
• Experience with credit policy, loss forecasting, or risk governance processes.
• Familiarity with regulatory expectations for consumer lending.

What we’ll Bring

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

• A work environment built on teamwork, flexibility, and respect
• Professional growth and development programs