Position Summary:
The Risk Analyst II, Economics and Residual Management (ERM) is a key contributor within the Risk Management Department at Stellantis Financial Services, US by applying advanced analytical techniques to assess and mitigate risks. The Risk Analyst II, ERM conducts complex data analysis, interprets economic and residual value models, and delivers actionable insights to guide strategic decisions. This role will collaborate cross-functionally to proactively address risks related economic trends and residual value performance, strengthening organizational growth, stability, and resilience.
Responsibilities:
- Lead the design and execution of advanced data analyses using SQL, SAS, Python, R, Tableau, and other BI tools to support risk identification, assessment, and mitigation.
- Conduct scenario and ad hoc analyses to evaluate portfolio performance, residual value risk, and macroeconomic impacts.
- Prepare, present, and maintain high-impact reports and dashboards that translate complex data into actionable insights for senior management.
- Monitor portfolio trends, market valuations, depreciation patterns, and residual forecasts, recommending adjustments to risk strategies as needed.
- Collect, process, and validate data for analytical and reporting purposes, troubleshooting inconsistencies to ensure accuracy and reliability.
- Collaborate with IT, data engineering, and business units to enhance data infrastructure, define analytical requirements, and implement risk initiatives.
- Mentor and support junior analysts by reviewing work, sharing best practices, and contributing to professional development.
- Support the development, refinement, and governance of risk policies, procedures, and assessment tools.
- Ensure strict confidentiality and security of sensitive consumer data, including Social Security numbers and dates of birth.
- Perform other duties and strategic projects as assigned.
Qualifications and Competencies Required To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Required Experience:
- Minimum three (3) years of experience in risk analysis or data analytics within the consumer finance or auto finance industry.
Education:
- Bachelor's degree in Mathematics, Statistics, Economics, Computer Science, Engineering, Physics, Actuarial Science, Finance, Risk Management, Quantitative Finance, or a related quantitative field.
Skills Required:
- Proficiency in mathematical and statistical concepts, with advanced experience using SQL, SAS, Python, R, or similar programming languages for data analysis and modeling.
- Expertise in data querying, analysis, and visualization using tools such as Excel, Tableau, or Power BI.
- Ability to synthesize complex or diverse datasets to provide actionable insights for business strategies.
- Experience managing projects effectively, tracking progress, communicating updates, and ensuring timely completion.
- Excellent verbal and written communication skills, with the ability to present technical findings to non-technical audiences and collaborate across departments.
- Ability to interpret and follow written, oral, or diagrammed instructions, and make recommendations beyond standard guidelines.
- Commitment to continuous learning and development of analytical and programming skills.
- Ability to work independently and collaboratively across departments to achieve objectives.
Qualifications Preferred:
- Master's Degree in: Computer Science, Information Technology, Mathematics, Statistics, Actuarial Sciences, Economics, Risk Management or Finance.
- Experience with statistical/analytical software/languages.
- Familiarity with modeling such as Random Forest, Gradient Boosted Trees, and other Machine Learning techniques is a plus!
- Prior Auto finance or captive industry.
Physical Demands:
- The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
Work Environment:
- The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabiliti