Hyundai Capital America (HCA) helps people move forward. Through Hyundai Motor Finance, Genesis Finance, and Kia Finance, we deliver innovative financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide.

We’re a company driven by growth, innovation, and people. At HCA, you’ll find opportunities to build new skills, expand your career, and make a real impact—while working in a diverse, inclusive, and values‑driven environment. We’re proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups.

If you’re looking for a fast‑paced, collaborative workplace where your ideas matter, join us as we lead the future of financing freedom of movement. Apply today.

WHAT YOU WILL DO

The Consumer Originations Risk Strategy Manager leads the development and implementation of credit risk strategies for new markets and oversees origination risk controls to support sound, consistent decision-making. This role evaluates credit decisioning rules, policies, models, and portfolio performance, forecasts key risk metrics, and develops post-launch monitoring and management reporting to identify emerging trends and exposures. This role also serves as a steward of consumer origination risk data by partnering with the Data Office to maintain reliable data, governance standards, and automated quality controls, while collaborating with Credit, Sales, Finance, Operations, regional stakeholders, and management to deliver actionable analyses and recommendations that balance risk objectives with business priorities.

HOW YOU WILL MAKE AN IMPACT

• New Market Risk Strategy and Implementation

  • Define and coordinate Risk requirements necessary to launch HCA products in new markets.

  • Evaluate credit decisioning rules to confirm alignment with approved risk strategies, policies, and market requirements.

  • Develop, recommend, and document credit risk policies for new markets.

  • Review MEL and portfolio lifetime-loss models and provide monthly comparisons against internal Risk model results.

  • Forecast key risk metrics to support annual business planning and performance expectations

  • Support validation of application data transmitted from RouteOne to the loan origination system.

  • Develop post-launch reporting to monitor origination mix, portfolio performance, and emerging risk trend

  • Benchmark global risk frameworks and identify practices applicable to new market operations.

• Risk Control Management

  • Monitor the effectiveness of judgmental decisioning edits, including policy limits and fraud-related rules.

  • Evaluate and refine the decisioning waterfall to identify inefficiencies and improve decision quality.

  • Track and analyze approvals and manual decisions to identify trends

  • Partner with Credit and Sales stakeholders to align policies, procedures, and risk strategies with business objectives.

• Origination Risk Data Stewardship

  • Maintain consumer origination risk data tables to support accurate and reliable reporting and analysis.

  • Partner with the Data Office to maintain data tables, definitions, lineage, and supporting data dictionaries.

  • Represent Consumer Risk in EDGE committee meetings and promote consistent enterprise data definitions and governance standards.

  • Develop automated data-quality controls to identify and resolve inconsistencies within origination risk tables.

• Ad hoc reporting and analysis

  • Perform detailed variance analyses of monthly and plan vs actual product and program risk performance.

  • Deliver timely ad hoc analyses and actionable insights in support of business decisions and management requests

  • Prepare and present risk findings, performance insights, and recommendations to management to support informed decision-making and strategic risk oversight.

Qualifications

WHAT YOU WILL BRING TO THE ROLE:

• Minimum 5-7 years of progressive experience in risk management, credit risk, portfolio analytics, or a related area within consumer financial services.
• Automotive finance industry experience preferred.
• Bachelor's degree required
• Strong analytical skills, including the ability to evaluate origination performance, identify trends, and assess risk exposure.
• Working knowledge of credit risk, lending economics, profitability drivers, and loss mitigation strategies within consumer financial services.
• Familiarity with financial services regulations, oversight expectations, and risk management governance practices.
• Proficiency using SAS, SQL, Excel, or similar tools to extract, analyze, and interpret data.
• Strong written and verbal communication skills, including the ability to prepare management reporting and present recommendations.
• Ability to manage multiple projects or workstreams with attention to detail, deadlines, and business priorities.
• Strong collaboration skills with the ability to work effectively across Risk, Finance, Sales, Operations, Remarketing, and regional stakeholders.
• Ability to work independently, exercise sound judgment, and constructively challenge existing practices when appropriate.

WE TAKE CARE OF OUR PEOPLE:

• At HCA, our people drive our success
• That's why we offer a competitive rewards package that supports your health, financial future, and overall wellbeing-at work and beyond

Benefits Highlights:

• Hybrid flexibility - 4 days in office, 1 day remote
• Vehicle perks - monthly vehicle allowance plus purchase and lease discounts
• Comprehensive health coverage - medical, dental, and vision plans
• Employer-funded HSA contributions to help reduce healthcare costs
• 401(k) with company match and immediate vesting from day one
• 100% company-paid life and disability insurance
• Wellbeing benefits including fitness and health resources
• Leadership programs and career development that support continuous learning
• Paid Volunteer Time Off and a company charitable donation in your honor

Because great benefits help you thrive-personally and professionally.:

WHAT HAPPENS NEXT:

• Express your interest by submitting an application
• Once your application is received, our recruiting team will review your application to see if you meet the basic and preferred qualifications listed on the job description
• For more information on our culture, visit our careers page

OTHER DETAILS:

• Our Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace-because we believe diversity builds stronger teams
• We comply with all applicable federal, state, and local equal employment opportunity laws and do not discriminate on the basis of race, religion or creed, color, national origin, ancestry, caste, citizenship, sex or gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, medical condition, genetic information, marital status, family care or medical leave status, military or veteran status, political affiliation, or any other characteristic protected by law
• Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws

Work for Warriors is a no-cost employment program of the California Military Department for Service Members, Veterans, and military family members. The Veteran Staffing Consultant for Hyundai Capital America & Careers is Chuck Callahan.