Position SummaryThe Credit Risk Manager will be responsible for reporting, analytics and credit strategy formulation to support credit underwriting for US Auto’s auto financing business. This is a diversified analytics role with exposure to multiple internal departments and external business partners.US Auto Sales is a fully integrated automobile retailer that both sells and finances used vehicles to under-served consumers. This is a unique opportunity to be a key participant in driving sales growth while optimizing credit risk and pricing returns.Bring your strong technical skills, consumer lending experience, and love for data to US Auto and make a difference. Design, develop, and produce reporting for underwriting quality and credit performance. Perform deep analysis to identify drivers of credit performance across consumer segments.Perform and/or support validations and monitoring of credit scorecards.Produce reports and presentations for management and capital markets providers.Develop cash flow and unit economics models to estimate credit and financial performance.Work with credit bureaus and other 3rd party data vendors on established and new initiatives.Develop analysis to detect and mitigate fraud credit applications.Manage the coordination of credit and underwriting changes with IT and business partners.Develop and maintain documentation of underwriting flows, credit policies, and pricing strategies.Develop and propose underwriting policy changes.Serve as the subject matter expert for application processing and credit decisioning systems. Work with Legal and Compliance to ensure credit decisioning scores, strategies, and underwriting processes are compliant with regulatory requirements.Assist in the definition of data models that drive clarity and ease of use for analyticsTroubleshoot data integrity issues, perform extensive data validations, and propose solutions and recommendations.Qualifications Required Bachelor’s Degree in Math, Business, Finance, or related field.5 – 8 years of experience with credit risk analytics in consumer lending.Excellent communication (verbal and written) with the ability to interact with all employee levels including executive management.Exceptional attention to detail and accuracy, professional attitude, including strong organization and time management skills.Advanced proficiency with Microsoft Excel. Experience with Microsoft suite including Access, Word, PowerPoint, Visio. High proficiency in SQL with extensive experience querying large, complex data sets.Experience with business intelligence tools like Power BI, Tableau, DomoKnowledge of statistical techniques such as logistic regression, segmentation trees, survival analysis, Monte Carlo simulations, etc. Preferred Graduate degree in related field Auto finance experienceExperience with R, SAS, or Python