Senior Analyst, Consumer Credit & Risk Analytics

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

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.