Senior Credit Loss & Financial Modeling Analyst

Hired; Torrance (CA); On-site; USD 83,000 - 125,000; Full time

Benefits offered by this job

Health insurance

401(k) with company match

Paid time off

Certification support

Job summary

American Honda Finance Corp. in Torrance, CA, seeks a Senior Financial Analyst to drive credit loss forecasting models and reserve calculations under CECL/USGAAP and IFRS. You will prepare SEC disclosures across U.S. and Canadian portfolios and support SOX and Big 4 reviews.

Responsibilities include validating econometric models, analyzing delinquency metrics, and presenting executive reports. JD emphasizes strong Excel, Python/R/SAS, and BI tool experience.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Statistics, or Data Science (CFA/CPA/MBA preferred).
• 5+ years of progressive professional experience in credit loss forecasting, CECL, or consumer portfolio risk.
• Advanced proficiency in Microsoft Excel, financial modeling, and programming languages (Python, R, SAS).
• Hands-on experience with business intelligence platforms (Power BI, Tableau) and ERPs (SAP).
• Outstanding analytical reasoning, technical accounting acumen, and executive presentation skills.

Responsibilities

• Administer and validate econometric credit loss forecast models under strict internal SOX controls.
• Perform deep-dive analytics on loan originations, delinquency roll-rates, net charge-offs, and probability of default.
• Prepare monthly and quarterly credit loss reserve journal entries and executive reporting packages.
• Draft footnote disclosures and fair value assessments for SEC 10-K and public debt financial reporting.
• Support data analytics and audit explanations for internal SOX audits and external Big 4 reviews.

Job description

• Employment Type: Full-Time

About the Role

American Honda Finance Corp. is seeking a Senior Financial Analyst in Torrance, CA. You will execute credit loss forecasting models, determine allowance reserves under CECL/USGAAP and IFRS, and prepare SEC public debt disclosures across U.S. and Canadian consumer finance portfolios.

Key Responsibilities

• Administer and validate econometric credit loss forecast models under strict internal SOX controls.
• Perform deep-dive analytics on loan originations, delinquency roll-rates, net charge-offs, and probability of default.
• Prepare monthly and quarterly credit loss reserve journal entries and executive reporting packages.
• Draft footnote disclosures and fair value assessments for SEC 10-K and public debt financial reporting.
• Support data analytics and audit explanations for internal SOX audits and external Big 4 reviews.

Required Skills & Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Statistics, or Data Science (CFA/CPA/MBA preferred).
• 5+ years of progressive professional experience in credit loss forecasting, CECL, or consumer portfolio risk.
• Advanced proficiency in Microsoft Excel, financial modeling, and programming languages (Python, R, SAS).
• Hands-on experience with business intelligence platforms (Power BI, Tableau) and ERPs (SAP).
• Outstanding analytical reasoning, technical accounting acumen, and executive presentation skills.

What We Offer

• Base salary between $83,000 and $124,500 plus annual bonus and Lease Car Program.
• Industry-leading health plans (Medical, Dental, Vision, Rx) and 401(k) with company match.
• Paid time off, corporate holidays, and annual winter/summer shutdowns.
• Professional development programs and certification support.

Equal Opportunity Employer

American Honda Finance Corp. is an Equal Opportunity Employer.