Overview
Who we are
Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us.
An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.
To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this positionat this time.
Toyota’s Risk Department isseekinga passionate and highly motivated Director of Consumer Credit Risk and Fraud Management.
The primary responsibility is to leadthe Originations Credit Strategy, Portfolio Reporting/Analytics, Collections Decisioning/Analytics, and Fraud Strategy functions for TMCC’s consumer lending portfolio. Managers for each of these functional areas report to the Director.
Reporting to the Chief Credit Officer, a successful candidate in this role with bring a strong background of relevant experience in credit and fraud risk management, deep expertise in statistical models and model ownership best practices, demonstrated ability to lead teams of risk and analytics professionals by generating actionable and value adding insights, and excellent relationship management skills to ensure effectiveness in working with leaders in Sales/Credit, Service Operations, Legal/Compliance, Data Science, Pricing/Finance, and Treasury.
Origination Credit Strategy responsibilities include management of credit decisioning scorecards for lease and loan applications, auto-decisioning policy and automation roadmap, origination asset quality/KPI monitoring, risk appetite framework management, underwriting guidelines, and evaluation of new product risk costs (e.g.pre-approvals,).
Portfolio Reporting/Analytics responsibilities include managing a wide-range of dashboards and reporting on consumer credit risk and fraud KPIs at various frequencies (daily, weekly, monthly) and for various users (executive, management, analyst) to ensure deviations in trends or expectations are identified quickly, diagnosed, and decisions can be rendered on potential changes to strategy, policy, and/or guidelines.
Collections Decisioning/Analytics responsibilities include management ofbehavioralmodel scoring, recommended treatments for delinquent accounts, testing new collections treatment strategies (loss mitigation and efficiency), and impact analysis of changes in policy, strategy, and/or regulatory rules. This role will alsoidentifyopportunities to reduce loss severity through various strategies and internal/external data resources.
Fraud Strategy responsibilities include management of fraud strategy in originations, loss mitigation, and KPIs/SLAs from our Fraud Control team and vendors to mitigate fraud impacts to TMCC. This role oversees budget, target setting,updatesand recommendations to the Enterprise Fraud Management team, which includes membership from various teams across TMCC and TFSB supporting overall enterprise fraud management.
Managing team budget, resources/prioritization, target/goal achievement, and recruiting/retaining/developing department team members
During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:
Belonging at Toyota
Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong.
Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.
Have a question, need assistance with your application or do you require any special accommodations? Please send an email to talent.acquisition@toyota.com.
