Risk Manager II

and maintaining methods of tracking, forecasting, presenting, and managing portfolio performance, coordinating and implementing financing programs and policies. Ensure efficient operations with vendors, dealers, and internal sales groups.
What you'll be doing:
• Lead key risk initiatives like scorecard development, strategy design and adjustments. Perform quantitative analysis and monitor company's credit, collateral, and customer performance.
• Maintain/Approve/Guide credit policy and underwriting controls in Loan Management System (DeFi).
• Develop automated scoring and decisioning systems to improve business efficiency
• Conduct comprehensive analyses to assess levels of credit risk- including summarizing results with opinions and recommendations for actions.
• Develop statistical models, machine learning-based tools or processes to measure and manage business performance
• Apply SAS and database knowledge to evaluate and develop risk management strategies.
• Evaluate the adequacy of internal processes and reduce all forms of exposure ranging from credit risk, efficiency/cost and regulatory impact.
• Develop, recommend, and implement business strategies to manage credit risk, increase revenues, and reduce exposure to credit losses.
• Predict the future trends from the current developments in the economy and recommend the management accordingly to plan the strategies.
• Monitor and assess the post-implementation impact of risk management strategies.
• Liaison with and maintain relationship with Scorecard and Decision Engine service provider.
• Ensure credit risk reports are comprehensive, accurate and timely
• Ad hoc reporting. If necessary, meet with internal and external customers to establish requirements. Performs other duties as assigned.
Decision-Making Responsibilities:
• Strategic thinking.
• Ability to promote change in an environment of rapidly changing technologies and business processes.
• Strong analytical, problem solving and conceptual skills.
• Ability to manage multiple priorities simultaneously to achieve results.
• Capable of working independently with minimal supervision.
• Strong verbal and written communications skills with the ability to interact with users at all levels throughout the organization.
• Experience with performance management, compliance and regulatory, finance, negotiation, contracting and relationship management is desired.
What you'll need to be successful:
• 4-year bachelor's degree in business administration, statistics, economics, finance or a closely related quantitative field
• 10 -12 years of working experience with at least 2 years in managerial role
• Experience in Auto, Motorcycle lending or installment industry
• Strong presentation skills and ability to present data to Senior Management
• Strong interpersonal and planning skills, and ability to interact seamlessly with all levels of management (internal and external).
• Experience in Credit Card origination risk and portfolio management area
• Master's degree in computer science or Statistics
• Model development experience
• SQL / Oracle, SAS
• Breadth of experience in financial services industry
Don't meet every single requirement? Studies have shown that women and underrepresented minorities are less likely to apply to jobs unless they meet every single qualification. At Yamaha, we understand that talent comes in various forms, as such we are dedicated to building a diverse, inclusive, and authentic workplace. If you're excited about this role but your experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. You may be just the right candidate for this or other roles!
What's in it for you:

• 401(k) and Profit Sharing

• Fertility Benefits

• 37.5-hour workweek

• Medical, Dental, Vision

• Life and AD&D Insurance

• Wellness Program

• Short-Term Disability Coverage (for hourly roles)

• Long-Term Disability

• Student Debt Repayment Benefits

• Ability to borrow Yamaha product

Pay: $86,000 to $172,000

Yamaha intends to offer the selected candidate base pay dependent on job-related experience. Base pay is part of Yamaha's Total Reward program, our Talent Acquisition Team will share more details as candidates progress.

Reports to: Department Manager

Yamaha Motor Corporation, USA is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identify, national origin, veteran or disability or any other status protected by federal, state, or local law. We celebrate diversity and are committed to creating an inclusive environment for all employees.