Senior Credit Risk & Residual Value Analyst

TFB Toyota Financial Savings Bank Company; Plano (TX); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Vehicle purchase discount

401(k) plan with company match

Relocation assistance

Job summary

Toyota Financial Savings Bank (TFSB) in the United States seeks a Senior Analyst, Consumer Credit & Residual Value Risk to lead analytics, portfolio monitoring, and reporting across consumer portfolios including auto loan, auto lease, and mortgage products.

The role emphasizes data-driven insights, collaboration across risk, finance, and operations, and preparation of materials for senior leadership and regulatory inquiries. Opportunity for impact and professional growth.

Qualifications

• Bachelor’s degree in Finance, Economics, Business, Mathematics, Statistics, or 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 and residual value concepts.
• Strong analytical and problem-solving skills with attention to detail.
• Experience with data analysis and reporting tools such as Excel, SQL, Python, Tableau, or similar platforms.
• Ability to interpret large datasets and communicate complex findings clearly.
• Experience preparing materials for senior leadership, board reporting, or regulatory examinations.
• Strong written and verbal communication skills.

Responsibilities

• 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 elevate issues 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.

Skills

Credit risk analytics

Data analysis

Communication skills

SQL

Python

Tableau

Education

Bachelor’s degree in Finance or Economics or Business or Mathematics or Statistics

Tools

Excel

SQL

Python

Tableau

Job description

Toyota Financial Savings Bank (TFSB) in the United States seeks a Senior Analyst, Consumer Credit & Residual Value Risk to lead analytics, portfolio monitoring, and reporting across consumer portfolios including auto loan, auto lease, and mortgage products.

The role emphasizes data-driven insights, collaboration across risk, finance, and operations, and preparation of materials for senior leadership and regulatory inquiries. Opportunity for impact and professional growth.