Associate, Consumer Risk

Who We Are: Through our service brands Hyundai Motor Finance, Genesis Finance*, and Kia Motors Finance, we provide financial products tailored to meet the needs of Hyundai, Genesis, and Kia dealerships nationwide, including dealer inventory and facility financing. And, through these dealerships, we provide indirect vehicle financing and leasing solutions to over 1.7 million retail customers.

Employee Value Prop and Culture: Our employees contribute every day to a culture that is fast-paced, dynamic, energized, agile, and collaborative. 

From our various engagement programs to the unique design of our offices, we strive to foster a connected, fun, positive and rewarding company culture where employees feel appreciated for their contributions, proud of their company, and thrive to be passionately invested in HCA's success.

Global One Company:

Many countries. One identity.  Hyundai Capital has offices across the world, including China, Canada, the United Kingdom, Germany, Russia, Brazil and Korea.  Our work environments are designed with specific themes in mind to achieve a consistent global identity that reflects our values: light, collaboration, elements of nature and symmetry.

General Summary:

The Associate, Consumer Risk is responsible for origination characteristic analytics, trend tracking and monitoring for the purposes of controlling and managing credit risk. This position will also analyze historical portfolio performance to determine relationships and qualifiers between upstream buying decisions and downstream loan performance.

Duties and Responsibilities:

1.    Analyze consumer portfolio origination trends and assess risk of those trends.

2.    Perform objective qualitative credit application review to ensure sound underwriting buying structures in accordance with policies, procedures and risk appetite.

3.    Assess portfolio to identify links among buying decisions, credit metrics, risk parameters and historical performance.

4.    Produce PowerPoint presentations to support project conclusions.

5.    Work with other departments as needed to support project objectives.

6.    Perform ad-hoc analytics and all other duties as assigned.

Knowledge and Skills:

         Excellent verbal and written communication skills

         Strong analytical, critical thinking and problem-solving skills

         Strong attention to detail and ability to multitask effectively

         Ability to work in a fast-paced environment and adapt quickly to changes

         Self-directed and results oriented

         Strong PC skills: Microsoft Excel, Word, and PowerPoint

         Basic data mining skills in either SAS or SQL

         5 years of work experience, with 1-2 years in the consumer credit or risk field

         Credit/Funding/Collections/Sales operations background a plus

         Bachelor's degree required

Physical Requirements and Working Condition:

Employees in this class are subject to extended periods of sitting, standing and walking, vision to monitor and moderate noise levels. Work is performed in an office environment.

California Privacy Notice

This notice only applies to our applicants who reside in the State of California.

The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information.We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as amended by the California Privacy Rights Act of 2020 ("CCPA"). 

If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs.com.