Consumer Risk Director

hace 6 meses

Monterrey, México GM Financial A tiempo completo

Why GMF?:
GM Financial International Operations conducts business in Latin America and China. International Operations offers a wide range of wholesale and retail automotive financing products to dealers and their customers. The strength of the international business lies in its ability to tailor its products to meet unique dealer needs, consumer preferences and national requirements in local markets. Latin American country operations include Brazil, Chile, Colombia, Mexico, and Peru.

About the role:
This role collaborates closely with all areas of the business while also leading an analytical team focused on credit and verification policy development, portfolio management (risk metrics analysis and monitoring), new product assessment, residual value management, expected loss analysis, and data processing & maintenance to support analytics and reporting.

Prior experience in credit risk management, risk modeling, consumer lending, portfolio analytics, or collections is expected. We also seek a high level of development in skills such as leading teams, planning, facilitating change, building partnerships, driving results, coaching, and creating a culture of diversity, equity, and inclusion.

Reporting to the SVP of Consumer Risk, the primary responsibilities of this role are:

- Partner with Mexico operations to ensure that the business functions with full risk transparency, balancing growth, profitability, and risk exposure.
- Oversee the Latin American regional Fraud and Verifications team, with distributed resources responsible for fraud prevention and detection across Mexico, Colombia, Chile, and Brazil.
- Optimize credit policy and portfolio management to adhere to established risk appetite.
- Lead strategic efforts initiated by Risk and support operational and global efforts from a Risk perspective.
- Liaise with central risk teams to ensure alignment on risk initiatives and prioritization by market.
- Ensure proper risk controls and compliance to local regulations.
- Chair local credit risk committee and represent GMF in external industry forums.

What you need:

- 15+ years of progressive analytical and leadership experience, with ~5 years in credit risk roles
- Completed bachelor’s degree.
- Master degree in Risk, Finance, and Business Administration is a plus.
- Fluency and proficiency in English; Spanish and Portuguese preferred.
- Strong oral, written, and presentation skills, with the ability to effectively communicate to individuals and groups at all levels, including consultative, influencing, conflict management and negotiation skills.
- Ability to provide leadership/coaching to direct reports and other teams [related to multiple projects while under heavy deadlines and constantly changing priorities]
- Ability to interact collaboratively with internal and external partners.
- Knowledge of business processes and key drivers to transform requirements into system deliverables.
- Capability to manage multiple and varied projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment.
- Methodologies, drivers and strategies about credit risk management.
- Access (intermediate), Excel (advanced) and statistics and data-mining software (intermediate).
- Strong analytic and problem solving skill set, with proficiency in Microsoft Office and statistical / data mining software (preferred).
- Hands-on approach to project work and adaptability in terms of style and activities undertaken.

**#LI-MON**

What you will be doing:
With dual accountability to the SVP of Consumer Risk for GMF International Operations for risk and fraud activities, and the Managing Director for Mexico for country risk activities, the Director of Mexico Consumer Risk is responsible for:

- Deploying and maintaining a state-of-the art consumer risk management strategy for Mexico.
- Overseeing strategy, direction, and execution of the regional Fraud Program, its leadership, and corresponding teams.
- Interfacing with local Mexico operations, central consumer credit risk, global functions (e.g., finance, pricing, IT, audit), and external parties (e.g., dealers, regulators, industry committees) to represent the credit risk function and to ensure proper alignment and execution of risk disciplines.
- Aligning with central risk team to ensure priorities are achieved within agreed timelines, such as product and pricing proposals, risk assessments, quality assurance findings, and policy / procedure analytics, among others.
- Leading a team of dedicated credit risk analysts in Mexico, while leveraging centralized risk resources outside of Mexico, to achieve annual objectives.
- Working in conjunction with Risk Strategy Design team with particular focus on developing common systems and processes for Mexico, including seamless rollout of FICO-based underwriting platform and commonization of underwriting policies.
- Partnering with the business teams to optimize the risk reward trade-off of the portfol

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