Risk Credit Policy Analyst II

Why GM Financial?

GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.

At GM Financial, our team members define and shape our culture — an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.

Our Purpose: We pioneer the innovations that move and connect people to what matters.

This position will be posted until filled.

About the role:

Risk Credit Policy Analyst II  is responsible for analyzing credit risk exposure related to consumer and commercial loan and lease acquisition activities.  The position involves conducting analysis to mitigate credit risk, create and monitor credit policy, measure credit execution and credit structure.  In addition, this position will be responsible for monitoring credit performance by region, credit center, and dealership.

In this role you will:  

• Develop and continuously enhance credit underwriting policies and risk scorecards, translating risk appetite into data-driven decision rules, segmentation, and lending criteria
• Monitor, validate, and optimize policy and scorecard performance through back-testing, trend analysis, and impact assessments on approvals, volumes, and portfolio credit outcomes
• Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan and lease origination activities
• Summarize findings, develop recommendations and present analyses to management in a clear, concise, convincing, and actionable format
• Employ best practices of data analysis and validation to ensure data results are accurate
• Assist in the creation, maintenance and monitoring of origination credit policies, procedures and lending stipulations
• Understand how change to origination credit policy and lending environment can impact loan/lease volume as well as overall credit performance
• Proactively monitor and report relevant changes in origination trends and portfolio performance to management
• Conduct ad hoc research projects incorporating project design, data collection and analysis, summarization of finding, and presentation of results

What makes You an ideal candidate? 

• Demonstrated understanding of data warehouses, data mining, reporting, data analysis and data visualization techniques
• Hands-on experience in developing and managing credit underwriting policies and origination scorecards, including implementation of decision rules and lending criteria 
• Strong understanding of risk-based decisioning frameworks, including approval strategies, segmentation, and policy-rule optimization
• Advanced with Microsoft Excel, PowerPoint, and Word
• Experience with respect to data analysis and spreadsheet modeling and/or reporting
• Experience with coding (SAS or SQL preferred) for data mining and manipulation
• Querying skills and knowledge in a data warehouse environment
• Demonstrated quantitative skills
• Acute attention to detail
• Effective written and verbal presentation skills
• Ability to interact collaboratively and proactively with internal customers
• Capable of managing multiple projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines
• Understanding of the metrics utilized in monitoring the performance of a consumer or commercial lending portfolio is a plus
• Strong focus on providing quality service to internal and external customers.

Additional Knowledge and Skills

• Working effectively within an AI enabled environment:  
• Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
• Skills in evaluating AI outputs for accuracy, compliance, and bias
• Experience integrating AI into workflows to improve efficiency or insights
• Familiarity with AI assisted research, summarization, and content generation
• Understanding of responsible AI use, including ethics and data protection 

Work Experience & Education 

• 2-4 years experience working with complex Excel workbooks, querying large multi-table datasets, data analysis, and data presentation; the qualified candidate will also be able to demonstrate proficiency with the following tools: SAS and/or SQL, Microsoft Excel, PowerPoint, and Word Required
• 2-4 years experience in consumer and/or commercial loan and lease origination analysis Preferred
• High School Diploma
• Associate Degree
• Bachelor’s Degree Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field; degrees in non-quantitative fields considered with adequate work experience Required
• Master’s Degree Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field Preferred

What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.

Our Culture: Our team members define and shape our culture — an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.

Compensation: Competitive pay and bonus eligibility.

Work Life Balance:  Flexible hybrid work environment, 2-days a week in office.

NOTE: We are unable to consider candidates who require visa sponsorship for this position

This position is not open to agency submissions

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