Senior Analyst, Consumer Credit & Residual Value Risk

About the role

Toyota Financial Services (TFS) is the finance and insurance brand for Toyota and Lexus in North America. As a separate business entity, TFS delivers on Toyota's vision to move people beyond what's possible, creating best-in-class customer experiences in an innovative, collaborative environment.

Toyota Financial Savings Bank (TFSB) Credit Risk department is seeking a Senior Analyst, Consumer Credit & Residual Value Risk. Reporting to the Manager of Consumer Risk, this role leads credit and residual value risk analytics, portfolio monitoring, and reporting across consumer portfolios (auto loan, auto lease, and mortgage). The position supports the department's objective to strengthen credit and residual value risk oversight through data-driven insights, robust analytics, and clear reporting for senior management, board, and regulatory stakeholders. The ideal candidate brings advanced technical capabilities, sound business acumen, and the ability to work independently while partnering effectively across teams.

Note: Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment.

Responsibilities

• Monitor consumer credit performance across auto loan, auto lease, and mortgage portfolios.
• Lead the development and oversight of residual value risk analytics, monitoring, and reporting for the auto lease portfolio.
• Analyze origination trends, portfolio behavior, delinquency, losses, recoveries, and other key risk metrics.
• Track key risk indicators and threshold exceptions; identify emerging risks and escalate issues appropriately.
• Prepare recurring and ad hoc reporting for senior management.
• Support analysis and reporting for regulatory exams, audits, and compliance-related inquiries.
• Develop materials for the board of directors and executive-level risk committees.
• Partner with internal stakeholders across risk, finance, credit, operations, compliance, and servicing.
• Maintain documentation, methodologies, and data quality standards for portfolio risk reporting.
• Assist in the development of dashboards, scorecards, and analytics that improve risk visibility.
• Contribute to policy, process, and control enhancements related to portfolio monitoring.

Requirements

• Bachelor's degree in Finance, Economics, Business, Mathematics, Statistics, or a related field.
• 3+ years of experience in consumer credit risk, portfolio analytics, or related financial analysis.
• Experience with auto lending, auto leasing, or consumer portfolio management, including knowledge of credit risk frameworks, residual value risk concepts, and portfolio monitoring practices.
• Strong analytical and problem-solving skills with attention to detail.
• Demonstrated experience in data analysis and reporting tools such as Excel, SQL, Python, Tableau, or similar platforms.
• Ability to interpret large datasets and communicate complex findings in a clear, concise manner.
• Experience preparing materials for senior leadership, board reporting, or regulatory examinations.
• Strong written and verbal communication skills.
• Ability to manage multiple priorities and work effectively in a fast-paced environment.

Preferred Qualifications

• Certificates in Tableau or Power BI.
• Experience with credit policy, loss forecasting, or risk governance processes.
• Familiarity with regulatory expectations for consumer lending.

Benefits

• 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.
• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute (if applicable).
• Paid holidays and paid time off.
• Referral services related to prenatal services, adoption, childcare, schools and more.
• Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA).
• Relocation assistance (if applicable).