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Sr. Consumer Risk Associate

Sr. Consumer Risk Associate

Hyundai Capital Bank EuropeIrvine, CA, United States
15 hours ago
Job type
  • Full-time
Job description

Who We Are

Through our service brands Hyundai Motor Finance, Genesis Finance, and Kia Finance, Hyundai Capital America offers a wide range of financial products tailored to meet the needs of Hyundai, Genesis, and Kia customers and dealerships.  We provide vehicle financing, leasing, subscription, and insurance solutions to over 2 million consumers and businesses. Embodying our commitment to grow, innovate, and diversify, we strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. We believe that success comes from within and are proud to support our team members through skill development and career advancement. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture for our workforce. We are a values-driven company dedicated to supporting both internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. Together, we strive to be the leader in financing freedom of movement.

We Take Care of Our People

Along with competitive pay, as an employee of HCA, you are eligible for the following benefits :

  • Medical, Dental and Vision plans that include no-cost and low-cost plan options
  • Immediate 401(k) matching and vesting
  • Vehicle purchase and lease discounts plus monthly vehicle allowances
  • Paid Volunteer Time Off with company donation to a charity of your choice
  • Tuition reimbursement

What to Expect

The Sr. Consumer Risk Associate is responsible for maintaining all origination planning, and reporting models to support annual business planning and monthly reporting needs.  In addition, this role is responsible for producing MEL forecasts for originations monthly and manages / maintains all origination risk data tables.  This position is critical in monitoring and controlling risk of all new and used consumer loan and lease originations.

What You Will Do

1.     Planning and Reporting :

  • Develop annual business plan and monthly re-forecasts for origination risk KPIs (30+3, Approval %, AD%, MEL %, etc.).
  • Monitor monthly performance to plan providing detailed variance explanations for month to month, and month to plan variances.
  • Execute all monthly reporting for origination risk metrics for RCC, FP&A, and global reporting needs.
  • 2.     MEL Production and Analysis :

  • Maintain code to produce monthly MEL forecasts.
  • Support annual MEL refresh remodel review / approval process with model-to-model variance analysis.
  • 3.     Origination Risk Data Steward :

  • Maintain consumer origination risk data tables.
  • Work with CDO to maintain tables and data dictionaries.
  • Represent consumer risk in Edge committee meetings to drive consistent data definitions across the organization.
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