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Director of Risk Management - Credit and Pricing

Company: Tricolor Auto Group, LLC
Location: Irving
Posted on: February 22, 2021

Job Description:

The Director of Risk Management, Credit Risk owns the development and execution of the credit risk management strategies, including creating and disseminating credit risk policies, procedures, and standards and developing and directing the implementation of a credit risk management strategy which optimizes profitability and Tricolor's mission whilst minimizing risk exposure and maintaining compliance. The Director will be responsible for owning Line 1 credit risk and developing appropriate line 2 control structures as appropriate for the business and model environment.Key Areas of Responsibility* Builds operating policies and processes, evaluation of policies processes, and review control/quality assurance programs for the Credit Risk Management department.* Communicates to senior leadership emerging risks.* Develops and directs the implementations of a credit risk management strategy, optimizing profitability whilst minimizing credit risk exposure.* Develops and implements credit risk policies, procedures, and standards.* Develops and prepares related risk reporting in support of business risk priority and review meeting cadence.* Develops new approaches to manage and/or mitigate credit risk.* Develops organization wide credit risk and early warning indicators.* Drives culture or credit risk awareness and develops operational credit risk training materials.* Drives initiatives around market research, points-of-view, capability, development and thought capital knowledge management.* Identifies key credit risks exposures and assesses mitigating controls to determine de risk profile for the organization. Identifies material individual, aggregate and emerging risks, communicates findings to senior leadership.* Owns material credit risk strategy development and decisions.Management Responsibilities-- Build, manage, maintain, and develop a team of credit/pricing/risk analysts including managing, mentoring and hands-on coding.Competencies* Problem Solving--Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. * Customer Service--Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.* Interpersonal Skills--Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things. * Oral Communication--Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings. * Written Communication--Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.* Change Management-Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results.* Leadership--Exhibits confidence in self and others; Inspires and motivates others to perform well; Effectively influences actions and opinions of others; Accepts feedback from others; Gives appropriate recognition to others.* Managing People--Includes staff in planning, decision-making, facilitating and process improvement; Takes responsibility for subordinates' activities; Makes self available to staff; Provides regular performance feedback; Develops subordinates' skills and encourages growth; Solicits and applies customer feedback (internal and external); Fosters quality focus in others; Improves processes, products and services; Continually works to improve supervisory skills. * Quality Management--Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness. * Business Acumen--Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals. * Cost Consciousness--Works within approved budget; Develops and implements cost saving measures; Contributes to profits and revenue; Conserves organizational resources. * Diversity--Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce.* Ethics--Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.* Organizational Support--Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity. * Strategic Thinking--Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions. * Judgment--Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.* Planning/Organizing--Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.* Quality--Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality. * Safety and Security--Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly.* Attendance/Punctuality--Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. * Initiative--Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed. * Innovation--Displays original thinking and creativity; Meets challenges with resourcefulness; Generates suggestions for improving work; Develops innovative approaches and ideas; Presents ideas and information in a manner that gets others' attention. Qualifications* Bachelor's Degree required; Master's/PhD Degree preferred in appropriately analytic discipline.* 12-15 years; Consumer Credit Risk Management experience within Financial Industry, including experience dealing with U.S. regulatory agencies, unsecured and secured credit and Management/Leadership experience. Ideal candidate will have had at least 5+ experience at an analytically oriented and data driven financial services company/division and 5+ years in auto lending credit risk management.* Ability to influence beyond immediate teams in order to fully implement the credit risk management program.* Ability to multi-task, prioritize activities, manage conflicts of interest, delegate and meet deadlines while working in a fast-paced environment.* Strong technical skills are mandatory, as this risk leader will partner with technology to drive increasing automation, enhancements of data usage and improvement of customer experience inside the technology ecosystem.* Advanced credit and risk, process, and control validation and/or assessment skills* Advanced knowledge of current federal and state laws and regulations, especially those of regulatory entities that perform oversight of the auto lending industry.* Capability to sponsor, direct and deliver improvements and corrective action programs.* Demonstrated skill at building, leading and managing high-performance Credit Risk teams* Sound understanding of the tools and methodologies used to measure and quantify risk, including but not limited to, the use of credit models to forecast losses and measure counterparty credit risk.Terms of Employment: Regular, Full Time (exempt) Physical Requirements* Continually required to stand, walk, and sit* Continually required to utilize hand and finger dexterity* Continually utilize visual acuity to operate equipment, read technical information, and/or use a keyboard

Keywords: Tricolor Auto Group, LLC, Irving , Director of Risk Management - Credit and Pricing, Executive , Irving, Texas

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