Analyst II, Credit Risk

9002 - Carmax Auto Finance - 225 Chastain Meadows Ct NW, Kennesaw, Georgia, 30144

CarMax, the way your career should be!

Position Overview

As an Analyst II, Credit Risk, you will play a critical role in shaping CarMax Auto Finance’s credit strategies and driving operational excellence. In this dynamic position, you’ll leverage advanced data analytics, statistical modeling, and database tools to analyze, test, and implement credit product strategies that enhance both business performance and customer experience. Your insights will help optimize credit processes, improve originations, and deliver actionable recommendations to senior leadership. You’ll also design and maintain reporting dashboards for key metrics such as originations, bookings, and sales trends, ensuring timely and accurate updates for decision-making. This role demands a strong commitment to compliance and operational risk controls, aligning with CarMax’s reputation for integrity and transparency.

Why CarMax?

At CarMax, we are the nation’s largest retailer of used cars with stores from coast to coast, and we are still growing. We’re rethinking the way people buy cars – and it’s our associates that help us do just that. We believe work should feel meaningful and rewarding, with opportunities to make an impact every day. This is where innovation meets passion – be inspired and supported to take us to the future.

Team Overview

Our success is powered by a customer-focused, data-driven approach and a culture that values collaboration and innovation. As part of the Credit Risk team, you’ll work in a fast-paced, team-oriented environment where your analytical expertise will help develop strategies that keep CarMax Auto Finance ahead of industry trends. We value independent thinkers who are passionate about problem-solving and committed to doing what’s right for both the business and our customers.

Role Responsibilities

Analyze, test, and implement credit product strategies using statistical and database tools to improve performance.

Identify opportunities to optimize credit and originations processes, enhancing value for both the business and customers.

Design and maintain reporting dashboards for metrics such as originations, bookings, and sales trends.

Deliver insights and updates to senior leadership, supporting strategic decision-making.

Ensure compliance with regulatory standards and operational risk controls, maintaining CarMax’s commitment to integrity.

Required Qualifications

Bachelor’s degree required.

0–3 years of experience in an analytical role.

Strong ability to access, manipulate, and interpret data using analytical tools.

Proficiency in Excel, PowerPoint, and general software applications.

Strong communication skills

Preferred Qualifications

Degree in an analytical or mathematical discipline.

Experience with database systems and programming tools (e.g., SQL, Python).

Work Authorization:

Applicants must be currently authorized to work in the United States on a full-time basis. Sponsorship will not be considered for this specific role.

Work Location:

Associates will have the opportunity to work from our CarMax Auto Finance Office in Kennesaw, GA and associates will work onsite 4 days per week.

About CarMax

At CarMax, we revolutionized the used car buying experience over 30 years ago by introducing transparency and integrity into the process. Our commitment to customer experience, innovation, and community has made us the nation’s largest used car retailer. With over 250 store locations and over 30,000 associates, we are proud to have been recognized as one of the Fortune 100 Best Companies to Work For® and are committed to helping our communities thrive.

As an associate, you are part of an innovative movement to empower the modern customer and drive progress. Your work fuels change—sparking ideas, overcoming challenges, and shaping what’s next. Join us in creating a better future– for our company, our customers, and the communities we call home.

CarMax is an equal opportunity employer, and all qualified candidates will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, protected veteran status, disability status, or any other characteristic protected by law.

The annual salary for this position is: $70,200.00 - $105,300.00 May be eligible for bonus and equity.

Benefits:

Except as otherwise required by state law, CarMax Associates are entitled to the following paid sick, vacation, and holiday time.

Associates that are considered full-time hourly or commission/incentive eligible:

To earn up to 48 hours of sick time per year accrued on a per pay period basis and between 80 hours and 200 hours per year of vacation time after a 90 day waiting period depending on years of continuous service with the Company.

For 8 hours of pay for each of a total of 6 paid scheduled holidays per year plus 1 floating holiday. If such an Associate does work on a scheduled holiday due to business need, they are eligible for Holiday Premium Pay.

Associates considered full-time salaried are entitled to paid time away with no specified limit as needed for sick, vacation, bereavement, jury duty, holidays, floating holiday, etc. subject to manager approval.

For more details about benefits, please visit our CarMax Benefits website.

Upon an applicant's request, CarMax will consider reasonable accommodation to complete the CarMax Job Application .