General Motors

Risk Credit Policy Analyst II

General Motors • $70K — $95K *
Irving, TX 75061In-Person
Finance & Insurance
Less than 5 years of experience
3 weeks ago
Job Overview by Ladders

Qualifications

  • 2-4 years experience with Excel, data analysis, and presentation tools
  • Hands-on experience with credit underwriting policies and scorecards
  • Strong understanding of risk-based decisioning frameworks
  • Advanced Microsoft Excel, PowerPoint, and Word skills
  • Coding experience with SAS or SQL for data manipulation
  • Demonstrated quantitative skills and attention to detail
  • Effective written and verbal communication abilities

Responsibilities

  • Develop and enhance credit underwriting policies and risk scorecards
  • Monitor, validate, and optimize policy and scorecard performance
  • Utilize data mining and advanced spreadsheet skills to quantify credit risk
  • Summarize findings and present analyses in a clear, actionable format
  • Ensure data analysis best practices for accuracy
  • Assist in the creation and maintenance of credit policies and procedures
  • Proactively monitor origination trends and portfolio performance
  • Conduct ad hoc research projects including design, data collection, and presentation of results

Benefits

  • 401K matching
  • Bonding leave for new parents (12 weeks, 100% paid)
  • Tuition assistance
  • Training programs
  • GM employee auto discount
  • Community service pay
  • Nine company holidays
  • Flexible hybrid work environment (2 days in office)
Full Job Description
Job Description

Responsibilities

About the role:

Risk Credit Policy Analyst II is responsible for analyzing credit risk exposure related to consumer and commercial loan and lease acquisition activities. The position involves conducting analysis to mitigate credit risk, create and monitor credit policy, measure credit execution and credit structure. In addition, this position will be responsible for monitoring credit performance by region, credit center, and dealership.

In this role you will:
  • Develop and continuously enhance credit underwriting policies and risk scorecards, translating risk appetite into data-driven decision rules, segmentation, and lending criteria
  • Monitor, validate, and optimize policy and scorecard performance through back-testing, trend analysis, and impact assessments on approvals, volumes, and portfolio credit outcomes
  • Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan and lease origination activities
  • Summarize findings, develop recommendations and present analyses to management in a clear, concise, convincing, and actionable format
  • Employ best practices of data analysis and validation to ensure data results are accurate
  • Assist in the creation, maintenance and monitoring of origination credit policies, procedures and lending stipulations
  • Understand how change to origination credit policy and lending environment can impact loan/lease volume as well as overall credit performance
  • Proactively monitor and report relevant changes in origination trends and portfolio performance to management
  • Conduct ad hoc research projects incorporating project design, data collection and analysis, summarization of finding, and presentation of results


Qualifications

What makes You an ideal candidate?
  • Demonstrated understanding of data warehouses, data mining, reporting, data analysis and data visualization techniques
  • Hands-on experience in developing and managing credit underwriting policies and origination scorecards, including implementation of decision rules and lending criteria
  • Strong understanding of risk-based decisioning frameworks, including approval strategies, segmentation, and policy-rule optimization
  • Advanced with Microsoft Excel, PowerPoint, and Word
  • Experience with respect to data analysis and spreadsheet modeling and/or reporting
  • Experience with coding (SAS or SQL preferred) for data mining and manipulation
  • Querying skills and knowledge in a data warehouse environment
  • Demonstrated quantitative skills
  • Acute attention to detail
  • Effective written and verbal presentation skills
  • Ability to interact collaboratively and proactively with internal customers
  • Capable of managing multiple projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines
  • Understanding of the metrics utilized in monitoring the performance of a consumer or commercial lending portfolio is a plus
  • Strong focus on providing quality service to internal and external customers.


Additional Knowledge and Skills
  • Working effectively within an AI enabled environment:
  • Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
  • Skills in evaluating AI outputs for accuracy, compliance, and bias
  • Experience integrating AI into workflows to improve efficiency or insights
  • Familiarity with AI assisted research, summarization, and content generation
  • Understanding of responsible AI use, including ethics and data protection


Work Experience & Education
  • 2-4 years experience working with complex Excel workbooks, querying large multi-table datasets, data analysis, and data presentation; the qualified candidate will also be able to demonstrate proficiency with the following tools: SAS and/or SQL, Microsoft Excel, PowerPoint, and Word Required
  • 2-4 years experience in consumer and/or commercial loan and lease origination analysis Preferred
  • High School Diploma
  • Associate Degree
  • Bachelor's Degree Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field; degrees in non-quantitative fields considered with adequate work experience Required
  • Master's Degree Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field Preferred


What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.

Compensation: Competitive pay and bonus eligibility.

Work Life Balance: Flexible hybrid work environment, 2-days a week in office.

NOTE: We are unable to consider candidates who require visa sponsorship for this position

This position is not open to agency submissions

#GMFJobs #LI-Hybrid #LI-MO1

About General Motors

General Motors Company engages in the manufacture and sale of cars and trucks in the United States, China, Brazil, Germany, the United Kingdom, Canada, and Italy. It offers sedans, crossovers, sport utility vehicles, pick-up trucks, coupes, sports/convertibles and hybrid vehicles, hatchbacks/wagons, and vans, as well as mini cars in India. The company also provides parts and accessories, such as iPod and MP3 compatibility, mobility accessories, performance parts, AC parts and services, and merchandise. In addition, it offers vehicle safety, security, and information services. The company provides used vehicles. It offers its products through dealers and distributors. General Motors Company was formerly known as NGMCO, Inc. and changed its name to General Motors Company in July 2009. The company was incorporated in 2009 and is based in Detroit, Michigan. It operates manufacturing facilities in India, the United States, and Canada. General Motors Company operates as a subsidiary of the United States Department of The Treasury. General Motors led global vehicle sales for 77 consecutive years from 1931 through 2007, longer than any other automaker, and is currently among the world's largest automakers by vehicle unit sales. General Motors acts in most countries outside the USA via wholly-owned subsidiaries but operates in China through 10 joint ventures. GM's OnStar subsidiary provides vehicle safety, security, and information services. In 2009, General Motors shed several brands, closing Saturn, Pontiac, and Hummer, and emerged from a government-backed Chapter 11 reorganization. In 2010, GM made an initial public offering IPOs to date and returned to profitability later that year.

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Join the dynamic team at General Motors, a global leader in automotive innovation and technology. At General Motors, we offer unparalleled job opportunities that propel your career forward while contributing to a legacy of engineering excellence.

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As part of our global workforce, you will collaborate with talented individuals who are passionate about shaping the future of transportation. General Motors offers a variety of career paths in engineering, design, IT, marketing, and more. With over 155,000 employees worldwide, our network provides expansive opportunities for networking and professional development.

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Start your career journey with a General Motors internship, where you can apply your academic knowledge to real-world projects. Our internships provide a robust foundation in the automotive industry, with mentorship from experienced leaders. Full-time employees enjoy a wealth of benefits, including comprehensive health care, retirement plans, and performance bonuses, ensuring that your hard work is rewarded.

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Learn more about General Motors
Size
157,000 employees
Market Cap
$46.9 billion
Industry
Manufacturing & Automotive
Net Income
$6.4 billion
Founded
1908
5 Year Trend
-3.2%
Revenue
$122.4 billion
NASDAQ
GM
* Ladders Estimates

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