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 position at this time.

Who we’re looking for

Toyota’s Risk Department is seeking a 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.

What you’ll be doing

• 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 of behavioral model 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 also identify opportunities 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, updates and recommendations to the Enterprise Fraud Management team, which includes membership from various teams across TMCC and TFSB supporting overall enterprise fraud management.

• Managing a range of both large scale analytical/modeling projects and implementations as well as reacting quickly to changing dynamics and trends

• Managing team budget, resources/prioritization, target/goal achievement, and recruiting/retaining/developing department team members

• Leading presentations and distilling complex analyses into clear summaries, visualizations, and actionable recommendations for Executive leadership team and Executive Committees

What you bring

• Bachelor’s degree in quantitative or a related field

• 5+ years of experience in Credit Strategy Originations and Fraud Risk Management in financial services

• Experience in statistical models and model ownership best practices

• 2+ years of experience in a leadership role with demonstrated experience managing teams of risk and analytics professionals

• Track record of effective communication and collaboration with internal stakeholders, external partners, and executive management

• Travel up to 10%

Added bonus if you have

• Master’s degree preferred

• Auto finance experience preferred

• 10+ years of relevant work experience in financial services

What We’ll Bring

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:

• A work environment built on teamwork, flexibility and respect

• Professional growth and development programs to help advance your career, as well as tuition reimbursement

• Team Member Vehicle Purchase Discount

• Toyota Team Member Lease Vehicle Program (if applicable)

• Comprehensive health care and wellness plans for your entire family

• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute

• Paid holidays and paid time off

• Referral services related to prenatal services, adoption, childcare, schools and more

• Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)

• Relocation assistance (if applicable)

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.