AI use among occupational health and safety specialists is little observed so far. Measured exposure for occupational health and safety specialists: 0% (little observed).

Share of this job’s tasks that AI is already used for at work, from real usage. It is not a forecast of job loss, and a low number means no use seen yet. Source: Anthropic Economic Index.

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About the job

Why Credit Risk Analytics?

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

About the role:

Risk Analyst II - Credit Risk Analytics 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:

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

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

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 the metrics utilized in monitoring the performance of a consumer or commercial lending portfolio is a plus

Experience:

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 Req

2-4 years’ experience in consumer and/or commercial loan and lease origination analysis Pref

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, 3 days a week in the office.