Product Owner

About the role

The role reporting to the National Manager of Credit and RV Loss Forecasting will serve as a technical project lead and liaison between the Risk business unit, Data Science, Data Engineering, and Data Stewardship teams. A core part of the role is to support the enhancement of statistical models used for Residual Value and Credit Loss forecasting by coordinating requirements, facilitating implementation, and ensuring the necessary data infrastructure is in place.

Responsibilities

• Lead enterprise and cross-functional initiatives across Risk, Data Science, Data Engineering, and Data Stewardship in support of forecasting, modeling, and risk data priorities.
• Independently define, coordinate, and drive business and technical requirements through implementation, ensuring alignment to strategic objectives and operational needs.
• Communicate complex technical concepts and business impacts clearly to senior stakeholders across functions.
• Serve as a senior technical authority for risk data inquiries, investigations, enhancements, and issue resolution.
• Lead complex analysis of source data, lineage, calculation logic, and data quality to ensure accuracy, traceability, and integrity of risk information.
• Partner with data science teams to evaluate, prioritize, and implement enhancements to Residual Value and Credit Loss forecasting models.
• Collaborate with data engineering teams to design and improve data pipelines, table structures, model inputs, and downstream data dependencies.
• Work to ensure the supporting data environment is accurate, scalable, and fit for model development and operational use.
• Identify, influence, and help implement process and workflow improvements that strengthen forecasting effectiveness and operational efficiency.
• Drive sustainable solutions that improve model support, data management, and decision-making capabilities across the risk organization.
• Work with governance and stewardship stakeholders to maintain high standards for data quality, completeness, reliability, and fit-for-purpose use.
• Partner across business and technical teams to align priorities, address risks, and ensure solutions are implemented effectively and sustainably.

Requirements

• Bachelor's degree in Analytics, Statistics, Finance, Accounting, Math, Computer Science, Economics, Engineering or similar analytical/ STEM field.
• Minimum of 5– 10 years of relevant work experience.
• Demonstrated experience leading cross functional project.
• Experience with best practices for data science and data engineering.
• Project management and presentation skills including proposing strategic recommendations to management and clearly articulating technical concepts to non-technical audiences.
• Experience working directly with engineering teams in an agile environment to ensure that what is built matches your vision in the most effective way.
• Extensive professional experience with both Excel and PowerPoint.
• Practical experience with the uses, development and deployment of statistical models.
• Experience with and the ability to engage technical audiences on the working level and to translate for executive stakeholders.
• Experience with and the ability to apply business acumen to technical and analytical challenges — understanding how data, models, and processes directly influence business performance, risk exposure, and strategic goals.

Skills

• Advanced written and verbal communication skills.
• Experience in automotive or consumer finance (added bonus).
• Advanced Degree (added bonus).
• Experience building products that involve regulatory or compliance considerations (added bonus).
• Experience with SOX controls (added bonus).
• Significant experience with data analysis tools (SQL, SAS, Python, Tableau) (added bonus).

Benefits

• A work environment built on teamwork, flexibility and respect.
• Professional growth and development programs to help advance your career, as well as tuition reimbursement.
• Team Member Vehicle Purchase Discount.
• Toyota Team Member Lease Vehicle Program (if applicable).
• Comprehensive health care and wellness plans for your entire family.
• Flextime and virtual work options (if applicable).
• 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, childcare, schools and more.
• Flexible spending accounts.