Director, Commercial Credit Portfolio Management

About the role

Hyundai Capital America (HCA) helps people move forward through Hyundai Motor Finance, Genesis Finance, and Kia Finance, delivering financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide. We’re a growth- and innovation-driven company that values people and fosters a diverse, inclusive environment. At HCA, you’ll have opportunities to build new skills, expand your career, and make a real impact while working collaboratively in a fast-paced setting where your ideas matter.

Responsibilities

• Commercial Credit Underwriting: Daily management and oversight of commercial underwriting activities for existing customers and annual reviews; oversee portfolio servicing activities including credit line adjustments, interim requests, payoffs, OEM support, and collection activities; work closely with legal, real estate, risk, and operations to ensure compliance and operational integrity.
• Commercial Risk Management: Lead commercial risk management strategy, implement new risk frameworks and mitigation processes, build and enhance credit watch meetings for high-risk dealerships and dealer groups, drive sales engagement around commercial risk management, and create risk frameworks around UCC compliance/due diligence, wholesale/real estate insurance, new/used overline exceptions, and floorplan audit compliance.
• Strategy & Process Enhancement: Lead strategic planning to improve commercial dealer satisfaction and support; create efficiencies and leverage AI to optimize credit review underwriting, risk management, and collection of commercial receivables; enhance daily/monthly dealer collection processes for floorplan interest, loan payments, curtailments, and insurance; develop structure around non-floorplan loan renewals to drive increased floorplan retention and satisfaction.
• Project Management/Strategic Initiatives: Lead development and implementation of Commercial Credit strategic, WorkSmart, Digitalization, and Data initiatives; develop DRM workflow in Salesforce to drive commercial and sales action on key dealer risk and review items.
• Policy Management: Collaborate with Commercial Risk to update department policies, procedures, and flow charts; create efficiencies with updated policies and procedures to focus on risk management and file review production.
• Team Leadership: Lead, mentor, and develop team members by providing direction, performance expectations, feedback, and support to ensure effective collaboration, professional growth, and achievement of organizational and personal goals.

Requirements

• Minimum 10 years of progressive experience in Credit Underwriting and Commercial business operations.
• 5 years of management experience leading teams.
• Bachelor’s degree in a related discipline; Master’s degree a plus.

Qualifications

• Proven record of accomplishment to influence and partner with business leaders to successfully drive large-scale organizational initiatives.
• Proven ability to work across levels and functions to build relationships with key stakeholders and champions.
• Demonstrated ability to articulate vision and direction, communicate effectively, manage and measure performance and accountability.
• Excellent written, verbal, and presentation skills.
• Excellent interpersonal, counseling, and negotiation skills.
• Comfort navigating change and ambiguity in a fast-paced environment.
• Forward-thinking with the ability to work well under pressure and organize/articulate complex information.
• Strong leadership skills to effectively lead, motivate, and develop large, diverse, high-performing teams.

Benefits

• Hybrid work schedule offering 4 on-site days and 1 remote day per week.
• Vehicle benefits including monthly allowances and purchase and lease discounts.
• Flexible health coverage with medical, dental, and vision plans, including no-cost and low-cost options.
• Annual employer HSA contribution to help offset healthcare expenses.
• 401(k) with company match and immediate vesting.
• 100% company-paid life and disability insurance.
• Wellbeing programs at no cost, including gym benefits and health resources.
• Generous parental leave to support growing families.
• Paid Volunteer Time Off, plus a company donation to a charity of your choice.

Pay

Salary range: $160,000 – $256,000

Schedule

Full-time; exempt; hybrid schedule with 4 on-site days and 1 remote day per week.