Director, Credit Risk Management – Automobile Lending

We need to output HTML fragment with sections: About the role? The posting includes Position Summary, Essential Duties And Responsibilities, Qualifications And Competencies Required, Qualifications Preferred, Physical Demands Work Environment, Work Schedule, etc. We must not repeat job title as heading. Use

for section headings. Use

• for any list of duties/requirements/benefits, and

  for prose. Do not include boilerplate like EEO, legal, etc. Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. Also remove "Overtime required – N/A" etc? Overtime required – N/A is filler; we should not include sections with filler. Also "Travel 0-10% - as required on an as needed basis." That's travel info; maybe we can include under a "Travel" subsection? But we only include sections when posting has real, specific content. Travel info is specific: 0-10% as needed. Could be a short paragraph. However we have no dedicated heading for Travel in the list of allowed headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Travel is not one of those. So we should not create a Travel heading; we could incorporate travel info into Responsibilities or Requirements? Probably better to include under Responsibilities as a bullet? But it's not a duty. Could be part of Qualifications? Not exactly. The instruction: "Use

  for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." So we should only use those headings if content exists. We have content for About the role (position summary), Responsibilities (essential duties), Requirements (qualifications and competencies required), Qualifications (preferred qualifications), Skills maybe not separate, Benefits none, Pay none, Schedule (work schedule). Also maybe "Physical Demands Work Environment" could be part of Requirements? Not exactly. But we could include under Requirements as a paragraph? However it's not a qualification. Might be better to omit if not fitting headings. The instruction: "Prefer a few substantive sections over many thin ones." So we can combine some. We need to preserve ALL substantive information; do not invent or summarize away detail. So we must include all substantive info from posting, but we can embed within allowed sections. Let's extract substantive info: - Company description: Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys. Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience. - Position Summary: The Director, Credit Risk Management – Automobile Lending will report directly to the Chief Credit Officer (CCO) and is responsible for performing financial and credit risk analysis, monitoring individual loans and overall portfolio performance, developing and presenting portfolio reports to senior management, and partnering with the CCO to maintain and update credit policy. Given the bank's business model, this hands-on, individually executing role requires deep, practical expertise in auto lending, with a particular emphasis on indirect auto lending through independent dealer networks. This role carries backup authority for credit risk decisions, policy administration, and regulatory engagement when the CCO is unavailable. The Director works closely with the affiliate's shared IT and operations personnel, who support contracted systems, and coordinates the work of outside consultants that the bank periodically engages for discrete credit-related projects (e.g., model validation, targeted portfolio reviews, or policy benchmarking). - Essential Duties And Responsibilities (list): - Act as the CCO's primary backup for credit risk decisions, policy approvals, exception approvals, and day-to-day leadership of the credit function during the CCO's absence, travel, or vacancy, ensuring continuity of the bank's credit risk management program. - Partner with the CCO to draft, maintain, and periodically review credit policies, underwriting standards, and credit box parameters, ensuring they remain consistent with the bank's risk appetite and regulatory expectations. - Maintain and administer credit standards specific to indirect auto lending, including dealer-originated retail installment contracts, dealer risk tiering, participation/buy-rate structures, and dealer agreement credit terms. - Perform ongoing monitoring of credit portfolio performance – delinquency, net credit losses, vintage and static-pool analysis, and asset quality trends – and escalate emerging risks to the CCO with recommended actions. - Conduct credit risk assessments, stress testing, and scenario analyses for the retail installment contract and consumer loan portfolios, including sensitivity to used-vehicle values, interest rate movement, and macroeconomic conditions relevant to auto credit. - Prepare and deliver recurring and ad hoc credit risk reports and analytics packages for the CCO, senior management, the Board, and, as directed, the bank's regulators. - Support the bank's compliance with applicable banking and consumer credit regulations (e.g., Fair Lending laws, Dodd-Frank Act provisions applicable to the bank) and assist the CCO in preparing for and responding to regulatory examinations and audits of the credit function. - Serve as the credit function's primary liaison to affiliate personnel (including affiliate IT staff supporting bank systems and data) and external consultants engaged for short-term credit projects, defining scope, reviewing deliverables, and ensuring compliance with bank policy and control expectations. - Participate in credit committee or credit exception discussions, document decisions and rationale in accordance with bank governance requirements. - Partners with affiliate-supported systems and data infrastructure to ensure credit reporting tools and data feeds used by the bank are accurate, well-controlled, and appropriately segregated from non-bank affiliate use where required. - Qualifications And Competencies Required: - Required Experience: Minimum seven (7) years of progressive experience in credit risk management, underwriting, or credit portfolio analytics within banking, auto finance, or consumer lending. - Demonstrated hands-on experience in auto lending, with specific, substantive experience in indirect auto lending (dealer-originated retail installment contracts). - Working knowledge of credit risk assessment methodologies, credit analysis techniques, and the regulatory requirements applicable to bank consumer lending. - Demonstrated ability to operate with a high degree of independence and ownership in a lean team structure, without reliance on subordinate staff to execute core work. - Strong analytical skills, with the ability to interpret portfolio and credit data and translate findings into clear recommendations. - Effective written and verbal communication skills, including comfort presenting to senior management, the Board, and (as needed) bank regulators. - Education: Bachelor's degree in finance, accounting, economics, or a related field. - Overtime required – N/A (skip as filler) - Travel 0-10% - as required on an as needed basis. - Must have reliable transportation and live within a commutable distance to one of the following cities: Salt Lake City, UT. - Qualifications Preferred: - Master's degree in finance, accounting, economics, or a related field, or MBA, preferred. - Experience coordinating with shared services/affiliate teams and managing external consultants or vendors on discrete projects is preferred. - Professional certifications such as Chartered Financial Analyst (CFA), Certified Credit Risk Analyst (CCRA), or equivalent credentials are highly desirable. - Physical Demands Work Environment: description about work environment, noise level moderate, reasonable accommodation may be made. This is boilerplate but still substantive? It's generic but maybe we can include under Requirements? However it's not a qualification. Could be omitted as boilerplate? The instruction says remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. This is not exactly those categories but it's generic work environment description; might be considered boilerplate. Safer to omit. - Work Schedule: This position requires the ability to work various times to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and weekends as needed. - EEO etc: remove. We need to output HTML fragment with headings: About the role, Responsibilities, Requirements, Qualifications, Skills?, Benefits?, Pay?, Schedule. We have content for About the role (company description + position summary). Could split: About the role (company description) and Position Summary maybe part of About. We'll just put company description and position summary under About the role. Responsibilities: essential duties list. Requirements: required qualifications (experience, education, travel, location). Could also include "Must have reliable transportation and live within a commutable distance to Salt Lake City, UT." and travel info. Qualifications: preferred qualifications (master's, experience coordinating, certifications). Skills: we could extract skills like analytical, communication, independence, etc. But those are already in Requirements. Could move them to Skills section. However we must not invent sections; we can include Skills if we have content. The posting mentions "Strong analytical skills", "Effective written and verbal communication skills", "Demonstrated ability to operate with a high degree of independence". Those are skills. So we could create a Skills section with those bullet points. Then Requirements could focus on experience and education. But we must preserve all info; we can split. Benefits: none mentioned, so omit. Pay: none mentioned, omit. Schedule: work schedule. Thus sections: About the role, Responsibilities, Requirements, Skills, Qualifications, Schedule. Check if any content duplicated: Ensure we don't lose any. Let's list all substantive info chunks: Company description (first paragraph) Position summary (second paragraph) Essential duties (list) Required experience (7 years, auto lending indirect) Working knowledge of credit risk assessment methodologies etc Ability to operate independently Strong analytical skills Effective written/verbal communication Education: Bachelor's degree Travel 0-10% as needed Must have reliable transportation and live within commutable distance to Salt Lake City, UT Preferred: Master's degree or MBA Preferred: Experience coordinating with shared services/affiliate teams and managing external consultants/vendors Preferred: Professional certifications (CFA, CCRA, etc) Work Schedule: ability to work various times, typically 8AM-6PM Mon-Fri, weekends as needed. We might also include "Overtime required – N/A" but it's filler; we skip. Now assign to sections: About the role: company description + position summary. Responsibilities: essential duties list. Requirements: maybe include required experience, education, travel, location. Could also include ability to operate independently? That's a skill. We'll put ability to operate independently under Skills. Skills: strong analytical skills, effective written/verbal communication, ability to operate independently. Qualifications: preferred qualifications (master's, coordinating experience, certifications). Schedule: work schedule. Check if any info missing: Working knowledge of credit risk assessment methodologies, credit analysis techniques, regulatory requirements. That's a knowledge requirement; could be under Requirements as well. We'll include under Requirements as a bullet. Thus Requirements bullets: - Minimum seven (7) years of progressive experience in credit risk management, underwriting, or credit portfolio analytics within banking, auto finance, or consumer lending. - Demonstrated hands-on experience in auto lending, with specific, substantive experience in indirect auto lending (dealer-originated retail installment contracts). - Working knowledge of credit risk assessment methodologies, credit analysis techniques, and the regulatory requirements applicable to bank consumer lending. - Bachelor's degree in finance, accounting, economics, or a related field. - Travel 0-10% as required on an as-needed basis. - Must have reliable transportation and live within a commutable distance to Salt Lake City, UT. Skills bullets: - Ability to operate with a high degree of independence and ownership in a lean team structure, without reliance on subordinate staff to execute core work. - Strong analytical skills, with the ability to interpret portfolio and credit data and translate findings into clear recommendations. - Effective written