Director, Credit Risk & Analytics

Overview

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As Director of Credit Risk & Analytics, you build and guide the analytical engine that underpins CAF’s lending capability. You will set originations strategy across policy, pricing, fraud, and decisioning, while expanding capabilities with data, alternative data, and advanced analytics. You own P&L through forecasting models and lead a high-caliber analytics team, influencing senior leaders with data-driven insights. This is a builder role focused on transforming credit risk and analytics to support growth and profitability.

Compensation / Benefits
• salary $148,100–$237,000
• bonus and equity potential
• paid time off and holidays
• sick and vacation time policy
• benefits website for details

Responsibilities
• Set originations strategy across credit policy, consumer pricing, fraud, and decisioning to balance growth, risk-adjusted return, and customer experience
• Evolve originations capabilities to expand into full-spectrum lending using technology and alternative data
• Own P&L with forecast models and steer the business in a dynamic environment
• Build and lead a world-class analytics team, hire and develop leaders, create an environment for analysts to excel
• Influence executive decision-making with data-driven recommendations and partner with CAF and CarMax leadership

Key requirements
• 8–10 years of proven credit policy and/or credit risk management experience across multiple functions or products
• Bachelor’s degree in a quantitative field; strong knowledge of financial services; Master’s degree xklufbp preferred
• Strong conceptual thinking to design and analyze complex models and data to inform business decisions
• Ability to translate vague objectives into concrete analysis tasks and lead a team
• Proven leadership ability to inspire analytical teams and achieve business goals
• Sponsorship and work authorization in the US (if applicable)
• leadership and people development
• cross-functional collaboration
• analytical rigor and curiosity
• SQL
• Python or R
• Snowflake