Senior Risk Analyst

About the role

Stellantis Financial Services (SFS) is the captive finance company for a leading automaker and 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. This role supports the development, calibration, and ongoing performance monitoring of commercial lending (dealer floorplan) credit criteria, partnering with Commercial Lending, Credit Policy, and Model Risk to build and maintain dealer risk-rating frameworks, portfolio surveillance reporting, and early-warning indicators across the floorplan and commercial credit portfolio.

Responsibilities

• Mine, process, and analyze data using SQL, Fabric, R, Python, SAS, Power BI, MS Excel or similar tools.
• Develop and present analysis on performance, trends, and projections to upper management to facilitate business and strategic decisions.
• Prepare and distribute recurring and ad-hoc analysis and reporting on portfolios including performance and projections.
• Provide easy-to-understand, action-oriented analytical reports and presentations to the management team.
• Build, recalibrate, and validate dealer risk-rating models and commercial credit scorecards; support development of early-warning triggers for portfolio deterioration.
• Identify and evaluate portfolio trends and KPIs relevant to commercial/dealer credit, including inventory turn, aging, curtailment compliance, out-of-trust incidence, and dealer financial covenant performance, alongside market valuations, depreciation, and residuals.
• Troubleshoot data deficiencies and errors to ensure timely and accurate analysis.
• Confer with IT and functional business lines to evaluate, design, implement, and maintain relational databases and/or large data sets.
• Collaborate with Commercial Lending and Credit Policy on the design and ongoing calibration of dealer floorplan lending criteria, covenant thresholds, and audit/monitoring cadence.
• Partner with dealer audit/inventory-verification functions to incorporate out-of-trust and inventory aging data into portfolio risk reporting.
• Access sensitive business and consumer information, including dealer financial statements, dealer principal/guarantor personal financial information, Social Security numbers, and dates of birth.

Requirements

• Five years of experience in data analytics, credit risk analytics, or commercial credit analysis, including exposure to portfolio monitoring, financial statement analysis, or credit scoring/rating frameworks.
• Familiarity with financial statement analysis (balance sheet, cash flow, leverage).
• Proficiency with SQL, Fabric, Python, R or other business intelligence software.
• Proficiency with Microsoft Office Suite applications such as Excel, PowerPoint, Word, and Power BI.
• Ability to work with mathematical concepts such as probability and statistical inference and apply concepts to practical situations.
• Experience with statistical analysis software/languages (R, Python, SQL, & SAS) and training in statistical modeling, data analysis, or computer programming.
• Detail-oriented with problem-solving and critical-thinking abilities.
• Ability to apply common-sense understanding to practical situations when carrying out instructions furnished in written, oral, or diagram form.
• Effective verbal and written communication and interpersonal skills.
• Bachelor’s degree in Mathematics, Statistics, Economics, Computer Science, Finance, or other quantitative fields.

Qualifications

• Master’s degree and/or PhD in Mathematics, Statistics, Economics, Computer Science, Finance, or other quantitative fields highly preferred.
• Prior experience in commercial/dealer floorplan finance, asset-based lending, or captive auto finance is a plus.
• Familiarity with inventory-secured lending concepts (curtailment, dealer risk rating, out-of-trust monitoring) is highly desirable.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Schedule

Ability to work between the hours of 8AM–6PM Monday through Friday and weekends as needed.