Director, Credit Risk & Analytics

CarMax
United States
Workplace: OnsiteFull timeUSD 148,100 - 237,000 annuallyFunction: Data Analytics & Business IntelligenceExperience: 8-10 yearsEducation: bachelorsSkills: ["Analytical rigor","Leadership","Stakeholder management","Curiosity","Quantitative thinking"]

Own the analytical decisioning engine for CarMax Auto Finance, spanning originations strategy across credit policy, consumer pricing, fraud, and decisioning. Evolve capabilities to expand into full-spectrum lending using technology, alternative data, and analytics, while driving P&L through forecasting models. Lead and develop a high-performing analytics team, influence executive decisions with data-grounded recommendations, and partner with cross-functional stakeholders to reshape the function for what’s next.

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CarMax
CarMax
1 day ago

Director, Credit Risk & Analytics

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Job Summary

Own the analytical decisioning engine for CarMax Auto Finance, spanning originations strategy across credit policy, consumer pricing, fraud, and decisioning. Evolve capabilities to expand into full-spectrum lending using technology, alternative data, and analytics, while driving P&L through forecasting models. Lead and develop a high-performing analytics team, influence executive decisions with data-grounded recommendations, and partner with cross-functional stakeholders to reshape the function for what’s next.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Data Analytics & Business Intelligence
Seniority: Director level

Key Responsibilities

  • •Set originations strategy across credit policy, consumer pricing, fraud, and decisioning to balance growth, risk-adjusted return, and customer experience.
  • •Evolve originations capabilities for expansion into full-spectrum lending through technology, alternative data, and analytics.
  • •Own P&L by developing forecast models and steering the business through a highly dynamic environment.
  • •Build and lead a world-class analytical team, hiring talent and developing manager-level leaders.
  • •Influence executive decision-making with data-grounded recommendations and serve as a thought partner to senior leadership.

Pay and Benefits

Salary: USD 148,100 - 237,000 annually
Schedule:4-Day Week
Perks:Paid LeaveSick TimePaid Holidays

Key Requirements

  • •8–10 years of credit policy and/or credit risk management experience across multiple functional areas or products, including experience managing analysts and managerial staff.
  • •Strong conceptual ability to design and manipulate complex mathematical models, analyze complex data, and draw conclusions with recommendations.
  • •Convert vague business objectives into concrete analysis tasks and lead a team to tackle them systematically.
  • •Ability to inspire and lead analytical teams to design and execute strategies that meet business goals.
  • •Bachelor’s degree in mathematics, statistics, finance, economics (or related field), or equivalent experience; Master’s degree preferred.
Experience:8-10 yearsAuto financeConsumer lendingFintech
Education:Bachelor's in mathematics, statistics, finance, economics
Skills:Analytical rigorLeadershipStakeholder managementCuriosityQuantitative thinking
Tech Stack:SQLPythonRSnowflakeTableauMachine learningAlternative dataData / BI toolingForecast models

Eligibility

Work Authorization:Authorization required. Sponsorship not provided.

Company Brief

CarMax
Operates the largest used-car retail chain in the United States, selling and financing pre-owned vehicles through a no-haggle customer experience. Also offers vehicle buying, appraisal, service, and related automotive solutions.
Industry: Automotive
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Richmond, United States
Founded: 1993
WebsiteLinkedIn