"Alerted.org

Overview

Who we are

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.

To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time.

Who we’re looking for

Toyota’s Risk Department is looking for a passionate and highly skilled **Manager – Credit Risk** with strong analytical and stakeholder engagement capabilities to join our team.

The Manager – Credit Risk will be responsible for leading and scaling our credit programs to support business growth. This role involves data analysis to support strategic business growth, optimization of workflows with technical teams, and the ability to clearly communicate program value and results to diverse stakeholder groups.

The ideal candidate will partner with technical factories to optimize and streamline program processes for scalability, support national rollout planning, and drive value optimization. In addition, they will play a critical role in aligning cross-functional teams – including Field Operations, Accounting, Finance, Credit Operations, Consumer Credit Risk, and external Program Vendors - through transparent communication and shared success metrics.

Reporting to the National Manager – Special Assets, this role is pivotal to advancing the Risk Department’s mission to deliver data-driven, scalable, and high-impact programs across the enterprise.

What you’ll be doing

+ **Program Leadership & Execution:** Lead the end-to-end execution of special credit programs. Ensure programs are aligned to risk strategy, operational goals, and compliance expectations.

+ **Data Analysis & Performance Monitoring:** Use SQL/Python and Tableau to extract and analyze program performance data. Define and monitor key risk and performance indicators against established thresholds.

+ **Value Optimization & Insight Delivery:** Develop statistical tools, models and visualizations to analyze program outcomes and summarize key learnings. Internalize program learnings by making tangible recommendations for growth opportunities in the credit risk and pricing areas. Lead presentations and distill complex analyses and insights into clear summaries, visualizations, and actionable recommendations for the Executive leadership team and Executive Committees.

+ **Workflow Optimization & Kaizen:** Collaborate with technical factories to analyze and improve program flows. Implement kaizen methods and automation strategies to streamline operations in preparation for a national-scale rollout.

+ **Stakeholder Engagement:** Serve as a trusted liaison between the Risk Department and critical stakeholder groups including the Field Organization, Accounting, Finance, Credit Operations, Consumer Credit Risk, and the Program Vendor. Foster trust by communicating program goals, progress, and results with clarity and transparency.

+ **Training & Enablement:** Develop onboarding and enablement materials to ensure successful program adoption across teams. Lead training sessions and build field-ready documentation and support tools.

+ **Scalability Planning:** Create and manage infrastructure needed for national rollout. Ensure monitoring systems, governance processes, and stakeholder engagement models are in place to support scale.

+ **Credit Risk Management and Analysis:** Identifying opportunities and developing strategy changes to increase market competitiveness, gain profitable business, and react quickly to changing dynamics and trends.

What you bring

+ Bachelor’s degree in Business, Business Analytics, or a related field

+ 3+ years of experience in risk management, finance, business analytics or similar

+ Experience with statistical analysis, modeling and data visualization and the ability to distill tangible insights and recommendations from complex analysis

+ Experience working closely with technical teams to optimize workflows

+ Strong ability to manage and communicate with diverse stakeholder groups across technical, operational, and business functions

+ Proven track record of scaling programs, building cross-functional alignment, and delivering measurable value

Added bonus if you have

+ Advanced Degree (MBA, M.S. in Business Analytics or similar)

+ 6+ years of relevant work experience in credit risk management

What we’ll bring

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

• 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

• 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

• Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)

• Relocation assistance (if applicable)

Belonging at Toyota

Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong.

Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.

Have a question, need assistance with your application or do you require any special accommodations? Please send an email to [email protected] .