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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 diverse, talented team members who want to grow and challenge what’s possible 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 experiences in an innovative, collaborative environment.
Who we’re looking for
The TFS Credit Risk department is looking for a talented and motivated Credit Risk Forecast Consultant. Reporting to the Credit Risk Sr. Manager, this position is responsible for completing the quarterly credit loss forecast for the consumer and dealer portfolios. A successful candidate may possess a higher level degree (Master’s in Statistics, Mathematics, Economics, other math-related degree, or an MBA), certifications such as CFA or CPA, demonstrated visualization tools experience.
What you’ll be doing
- Collaborate with Business Intelligence, Sales, Finance, Accounting, and Debt Management on various activities impacting key performance metrics.
- Derive insights from large sets of data to measure credit risk and develop forecasts from detailed analysis and historical experience.
- Provide insights using advanced analytical and experimental approaches.
- Manage the FAS91 attrition curves calculation process.
- Manage allowance for credit loss (ACL) forecasting models based on IFRS and CECL accounting standards.
- Drive econometric modeling and appropriate statistical techniques to identify factors that correlate portfolio metrics. These factors include used vehicle values, loss severity & frequency, and probabilities of default.
- Combine mathematical relationships into a semi-automated model that forecasts metrics listed above and is used as a decision support tool.
- Develop, leverage, and enhance internal portfolio data and external data sources (i.e., Toyota/ AuctionNet, Global Insight, Moody’s Economy.com, etc.) used in analysis and forecasting
- Collect and analyze auto industry and economic information and data impacting used vehicle prices, including, but not limited to, information regarding economic trends/forecasts, new and used car markets, emerging technology, and competitor vehicles and sales
- Leverage analytical tools to extract, clean, and analyze large, disparate, disorderly data sets
- Bachelor’s degree from an accredited university.
- Demonstrated experience with credit loss (ACL) forecasting models based on IFRS and CECL accounting standards.
- Knowledge of applied mathematics and statistics.
- Strong oral and written communication skills.
- Ability to credibly present findings & deficiencies to senior management.
- Ability to develop strong partnerships and influence people.
- Proficiency in programming languages such as R, Python, SAS, etc.
- Experience with data visualization solutions (Tableau, PowerBI, Cognos, etc.).
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
- Vehicle purchase & lease programs
- Comprehensive health care and wellness plans for your entire family
- Flexible work options based on business needs
- 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, child care, schools and more
- Flexible spending accounts
- Relocation assistance
- Onsite amenities such as fitness center, restaurants, etc.
What you should know
Our success begins and ends with our people. We embrace diverse perspectives and value unique human experiences. We are proud to be an equal opportunity employer that celebrates the diversity of the communities where we live and do business. 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 or need assistance with your application? Check out the How to Apply section of our careers page on Toyota.com! #LI-GT1
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.
Job
Risk
Primary Location
US-TX-Dallas-Plano
Organization
TFS – Toyota Financial Services
Travel
Yes, 5 % of the Time
Job Posting
May 6, 2019, 6:30:15 AM