Sr. Risk Analyst - Toyota (Torrance, CA)

Since 1983, TFS has grown from a small company of eight associates to more than 3000, with over $60 billion in managed assets, serving 3 million customers under the Toyota Financial Services and Lexus Financial Services market brands. At TFS, tomorrow means rising to the challenges of a changing marketplace by promoting a high-performance culture that will allow us to develop better solutions, programs, and services for both existing and new customers. Our commitment to delivering extraordinary customer care creates the trust and loyalty that drives our business.

As the Portfolio Senior Risk Analyst, you will create impact by:

• Supporting Portfolio Risk Management through reporting and data management activities in the business areas of collections, recovery, portfolio marketing and bank products to help achieve TMCC profit growth objectives.
• Designing, developing and implementing portfolio management reports necessary to meet Profit and Loss targets for use in regular business review.
• Maintain and enhance as necessary, existing portfolio reports, such as roll rate, first-pay default, monthly late-stage delinquency, collections strategy tracking, portfolio score validations and payment performance.
• Create datasets to support reporting activities, customer behavior modeling, strategy development and tracking, and portfolio performance.
• Support ongoing design, development, evaluation and tracking of Performance Metrics for collections Customer Service Representatives (CSR's) through reporting and dataset creation.
• Ensure that CSR evaluation methodologies are statistically sound, capable of truly measuring and representing CSR performance.
• Develop account management strategies through profit maximization algorithms, econometric models and decision science methodologies in the areas of collections, recovery and portfolio marketing to help achieve TMCC profit growth objectives.
• Perform research and analytical efforts on TFS/LFS booked accounts to drive financial performance.
• Enhance current models and development of new models to predict payment performance, optimize the collections process and determine meaningful and empirically derived segments.
• Develop dialer-based strategies to optimize collections performance.
• Develop economic algorithms for use in collections strategies and procedures to monitor overall effectiveness of strategies and programs.
• Conduct champion/challenger tests with appropriate control conditions and measurements within a call center environment.
• Create test groups using experimental design concepts for the purpose of strategy optimization (e.g. likelihood of payment given particular actions, likelihood of response to a given product offer).
• Implement strategies and models into Decisioning software, such as Strategy Manager, Capstone and Blaze.
• Work with Risk Management Infrastructure Senior Analyst, TFS BTS community and external business partners to enhance functionality of collections and recovery systems.
• Ensure that leading-edge risk management capabilities are developed through legacy system enhancements and replacements.
• Responsible for specifying additional systems requirements and working with BTS to effect changes.
• Identify new opportunities to enhance functionality and implement changes which leverage technology in the collections and recovery areas.
• Assist in establishing a development environment that allows collections strategy and model development, validation, on-going tracking, simulation and all associated analytics.

• 5+ years experience in the financial services industry, with strong preference given to risk management experience.
• Minimum of 2 years experience in a strategy and statistical model development role.
• Must have hands-on experience with risk management tools, such as credit scoring and decisioning platforms (e.g. Adaptive Control, Capstone, TRIAD, Probe, Blaze).
• Must have hands-on experience with analytical tools and software (e.g. SAS, KnowledgeSeeker).
• Must have some coding experience in a language such as C+, Java, UNIX scripts, etc.
• High degree of creativity, adept at problem solving, excellent teamwork skills and experience.
• Strong computer skills (PC, UNIX and mainframe)
• Strong verbal and written communication skills.
• Minimum of a Master's degree in a quantitative discipline such as economics, finance, engineering, mathematics, operations research, management science or statistics.
• Bachelor's degree with equivalent business experience will be considered. A candidate with a Ph.D. will be given preference.
• Expertise in financial and statistical analytical packages such as SAS.
• Thorough knowledge of Microsoft Office (Excel, Power Point, Word etc.)
• Experience with Collections strategy management software such as Probe or Triad.
• Experience in delivering production and adhoc reports to a wide audience using a standard reporting package.
• Some coding capability in a language such as C+, Java, UNIX scripts, etc. Expert level is not required.

To learn more about us, please visit: www.toyotafinancial.com/careers

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