Risk Management – Auto Risk Collections – Vice President

Risk Management – Auto Risk Collections – Vice President

Requirements

• Bachelor’s degree with a minimum 7 years of relevant experience in Risk Management (underwriting/credit strategy/credit risk/collections)
• Experience with SAS, SQL, Teradata/Snowflake and Tableau
• Superior communication skills, including active listening and the ability to capture and deliver key takeaways from engagements in writing.
• Strong presence, comfortable interacting with and presenting to all levels of management
• Strong analytical programming and proficient technical skills in Excel and PowerPoint
• Strong interpersonal, collaboration, communication and presentation skills
• Critical eye for detail and strong project management skills
• Highly motivated, confident, and proactive leader with strong problem-solving skills
• Ability to manage multiple priorities and deadlines, able to perform under pressure and to manage competing priorities under tight deadlines

Responsibilities

• Lead a team that is responsible for the development and ownership of the end to end lifecycle of collections Pre Charge-off credit risk strategies as well as oversight of operations practices to ensure adherence to risk requirements for both auto loans & leases.
• Provide and direct complex analysis on credit risk and collections strategy effectiveness in order to identify emerging risks, assess effectiveness of existing strategies, ensure adherence to regulatory guidance and establish a culture of intentional testing in strategic change recommendations and establish risk threshold that help business stay within risk appetite limits
• Monitor industry and economic trends on automotive industry as well as changes in consumer behavior to understand impacts on collateral values and consumer willingness to repay debt
• Monitor operations & credit risk strategy performance, establish program performance guardrails and evaluate effectiveness by identifying issues, opportunities and recommend credit & collections actions
• Challenge partners across supporting businesses to ensure alignment with risk requirements and other Credit Risk limits and metrics
• Maintaining relationship & dialogue with external regulators and supporting exams
• Manage and coach a team of high performing, highly motivated analysts to support their professional growth and performance
• Provide regular updates to senior risk leadership, risk forums, management & credit risk committees and regulators
• Comfortably answer ambiguous questions by forming a point of view and generating creative solutions that address the requests
• Participate in senior management requests, including responding to ad-hoc questions and preparing talking points for investor meetings/presentations

Preferred Qualifications

• Strategic analytics experience (minimum 2 years), preferably in financial services industry with consumer credit risk analytics background
• Master’s degree is preferred
• People’s manager experience preferred
• Experience in consumer risk collections preferred
• Auto industry experience is a plus