Senior Risk Analyst, Commercial Lending Analytics

First Investors Financial Services, Inc.; Dallas (TX); On-site; USD 95,000 - 135,000; Full time

Job summary

Stellantis Financial Services, Inc. in the United States seeks a Senior Risk Analyst, Commercial Lending Analytics to support calibration and ongoing monitoring of commercial lending credit criteria.

You’ll build dealer risk-rating frameworks, portfolio surveillance, and early-warning indicators while collaborating with Lending, Policy, and Model Risk teams. Responsibilities include developing analyses with SQL, Python, R, SAS, and Power BI; presenting to upper management; and maintaining data

Qualifications

• Five years of experience in data analytics or credit analysis.
• Familiarity with financial statement analysis (balance sheet, cash flow, leverage).
• Proficient with SQL, Fabric, Python, R, SAS.
• Experience with Power BI and MS Office.
• Detail oriented with problem solving and communication skills.

Responsibilities

• Mine, process and analyze data using SQL, Fabric, R, Python, SAS, Power BI, and Excel.
• Develop and present analysis on performance, trends, and projections to upper management.
• Prepare recurring and ad-hoc portfolio analysis and reporting.
• Build and validate dealer risk-rating models and credit scorecards.
• Collaborate with IT and business lines to manage relational databases and large data sets.
• Support calibration of dealer floorplan lending criteria and audit cadence.

Skills

SQL

Python

R

SAS

Power BI

Excel

Credit risk analytics

Education

Bachelor’s Degree in Mathematics/Statistics/Economics/CS/Finance

Tools

Fabric

Power BI

MS Office

Job description

Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.

Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.

Position Summary

The Senior Risk Analyst, Commercial Lending Analytics, will support the development, calibration, and ongoing performance monitoring of commercial lending (dealer floorplan) credit criteria for Stellantis Financial Services. This role partners closely with Commercial Lending, Credit Policy, and Model Risk to build and maintain dealer risk-rating frameworks, portfolio surveillance reporting, and early-warning indicators across the floorplan and commercial credit portfolio, while operating independently within the Risk department to ensure appropriate separation between criteria-setting/monitoring and origination decisioning.

Essential Duties and Responsibilities

• Uses quantitative and analytical skills to mine, process and analyze data using SQL, Fabric, R, Python, SAS, Power BI, MS Excel or similar spreadsheet programs, and other business tools.
• Develops and presents analysis on performance, trends, and projections to upper management to facilitate business and strategic decisions.
• Prepares and distributes recurring and ad-hoc analysis and reporting on portfolios including performance and projections.
• Provides easy-to-understand, action-oriented analytical reports and other presentations to the management team.
• Builds, recalibrates, and validates dealer risk-rating models and commercial credit scorecards; supports development of early-warning triggers for portfolio deterioration.
• Identifies and evaluates portfolio trends and KPIs relevant to commercial/dealer credit, including inventory turn, aging, curtailment compliance, out-of-trust incidence, and dealer financial covenant performance, alongside market valuations, depreciation, and residuals.
• Trouble‑shoots data deficiencies and errors to ensure timely and accurate analysis of the data.
• Confers with IT and functional business lines to evaluate, design, implement, and maintain relational databases and/or large data sets.
• Collaborates with Commercial Lending and Credit Policy on the design and ongoing calibration of dealer floorplan lending criteria, covenant thresholds, and audit/monitoring cadence.
• Partners with dealer audit/inventory‑verification functions to incorporate out-of-trust and inventory aging data into portfolio risk reporting.
• This position involves regular access to sensitive business and consumer information, including, but not limited to, dealer financial statements, dealer principal/guarantor personal financial information, Social Security numbers, and dates of birth.
• Other duties as assigned.

Required Experience

• Five (5) years of experience in data analytics, credit risk analytics, or commercial credit analysis, including exposure to portfolio monitoring, financial statement analysis, or credit scoring/rating frameworks.
• Familiarity with financial statement analysis (balance sheet, cash flow, leverage) is strongly preferred, given the commercial/dealer-credit focus of this role.
• Proficient with SQL, Fabric, Python, R or other business intelligence software.
• Proficient with using Microsoft Office Suite applications such as Excel, PowerPoint, Word, and Power BI.
• Ability to work with mathematical concepts such as probability and statistical inference and apply concepts to practical situations.
• Experience with statistical analysis software/languages (R, Python, SQL, & SAS) in addition to training in statistical modeling, data analysis, or computer programing.
• Detail oriented with problem solving and critical thinking abilities.
• Ability to apply common sense understanding to practical situations when carrying out instructions furnished in written, oral, or diagram form.
• Effective verbal and written communication and interpersonal skills.

Education

• Bachelor’s Degree in: Mathematics, Statistics, Economics, Computer Science, Finance, or other quantitative fields.

Overtime required – required on an as needed basis.

• Travel 0-10% - as required on an as needed basis.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Atlanta, GA; Dallas, TX.

Qualifications Preferred

• Master's Degree and/or PhD in: Mathematics, Statistics, Economics, Computer Science, Finance, or other quantitative fields highly preferred!
• Prior experience in commercial/dealer floorplan finance, asset-based lending, or captive auto finance is a plus. Familiarity with inventory‑secured lending concepts (curtailment, dealer risk rating, out-of-trust monitoring) is highly desirable.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Work Schedule

• Ability to work between the hours of 8AM-6PM Monday through Friday and weekends as needed.

Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees with an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.

An applicant must be authorized to work in the United States to be eligible for this position. Stellantis Financial Services, Inc. will not sponsor applicants for work visas of any type for this position.