Senior Credit Risk Manager

• Lead a team responsible for Auto loss forecasting, portfolio analysis, and forecast execution
• Oversee end-to-end forecast production across monthly, quarterly, annual planning, and stress testing exercises
• Ensure forecasts are delivered accurately, transparently, and within established timelines and governance requirements
• Communicate forecast results, key drivers, risks, and uncertainties to senior leadership and executive stakeholders
• Serve as a primary contact for Auto Loss Forecasting across Risk, Finance, Technology, and business organizations
• Partner with Finance on reserve, planning, budgeting, and earnings-related processes
• Challenge forecast assumptions, judgments, and methodologies
• Identify emerging portfolio risks and translate complex analytics into actionable business insights
• Lead responses to model governance reviews, validation activities, regulatory examinations, and internal audits
• Drive alignment across Risk, Finance, Technology, Data, and business stakeholders
• Oversee forecasting infrastructure priorities and technology enhancements
• Develop and coach forecasting talent while building organizational capabilities and succession plans
• Create a culture of accountability, collaboration, and continuous improvement
• Influence decisions across organizations without relying solely on direct authority
• Balance near-term business commitments with ongoing enhancement of forecasting capabilities
• Foster critical thinking, independent challenge, and sound risk management

Requirements

• 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of work experience, training, military experience, or education
• 3+ years of management or leadership experience
• Significant experience in consumer credit risk, forecasting, portfolio analytics, finance, or related quantitative disciplines
• Experience leading teams responsible for forecast production, credit analytics, risk management, or related functions
• Ability to communicate complex analytical concepts to executive audiences
• Experience in a highly governed environment involving regulatory, audit, or model risk management oversight
• Ability to influence decisions and drive outcomes across multiple stakeholder groups
• Strong quantitative, analytical, and problem-solving skills
• Experience managing multiple priorities and delivering results under demanding timelines
• Experience with Auto lending portfolios and consumer credit products
• Experience supporting CECL/ACL, stress testing, or enterprise planning processes
• Knowledge of loss forecasting methodologies and portfolio performance drivers
• Experience partnering with Model Risk Management, Validation, Internal Audit, and regulatory stakeholders
• Advanced degree in a quantitative field such as Statistics, Economics, Mathematics, Finance, Data Science, Engineering, or a related discipline
• Required locations: Irving, Texas; West Des Moines, Iowa; Charlotte, North Carolina; or Minneapolis, Minnesota
• Travel up to 10% of the time
• This position is not eligible for VISA sponsorship
• Compliance with applicable outside activities and personal investing policies

Core Competencies

Demonstrates expertise in Auto Loss Forecasting, Credit Risk Management, and Portfolio Analytics, with a strong ability to communicate complex analytical concepts to executive stakeholders. Proven leadership in managing teams, driving alignment across multiple functions, and fostering a culture of accountability and continuous improvement.

Highest-signal resume keywords

• Credit Risk Experience
• Forecast Production Leadership
• Consumer Credit Products Knowledge
• Quantitative Analytical Skills
• Regulatory Compliance Experience

ATS Optimization Keywords

Hard Skills

• Auto Loss Forecasting
• Portfolio Analysis
• Forecast Methodologies
• Quantitative Analysis
• Stress Testing
• CECL/ACL Support
• Risk Management
• Data Analytics
• Model Risk Management
• Financial Planning

Soft Skills

• Communication Skills
• Influencing Skills
• Critical Thinking
• Collaboration
• Problem-Solving

Certifications & Qualifications

• Advanced Degree in Quantitative Field

Industry Keywords

• Consumer Credit Risk
• Forecast Governance
• Portfolio Performance Drivers
• Internal Audit
• Regulatory Examinations