Overview Who we are Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us. An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment. Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, ‘job flexibility benefits’ [also known as I-140 or Adjustment of Status portability], etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future. Who we’re looking for Toyota Financial Savings Bank (TFSB) Credit Risk department is seeking a skilled and experienced Senior Analyst, Consumer Credit & Residual Value Risk to join the team. The primary responsibility of this role is to lead credit and residual value risk analytics, portfolio monitoring, and reporting across consumer portfolios. This role is suited for a strong individual contributor with deep expertise in consumer credit risk, residual value risk, regulatory compliance, and risk strategy assessment. Reporting to the Manager of Consumer Risk, the person in this role will support the TFSB Credit Risk department’s objective to strengthen credit and residual value risk oversight through data-driven insights, robust analytics, and clear reporting for senior management, board, and regulatory stakeholders. The ideal candidate will bring advanced technical capabilities, sound business acumen, and the ability to work independently while partnering effectively across teams to deliver accurate, actionable insights. What you’ll be doing Monitor consumer credit performance across auto loan, auto lease, and mortgage portfolios. Lead the development and oversight of residual value risk analytics, monitoring, and reporting for the auto lease portfolio. Analyze origination trends, portfolio behavior, delinquency, losses, recoveries, and other key risk metrics. Track key risk indicators and threshold exceptions; identify emerging risks and escalate issues appropriately. Prepare recurring and ad hoc reporting for senior management. Support analysis and reporting for regulatory exams, audits, and compliance-related inquiries. Develop materials for the board of directors and executive-level risk committees. Partner with internal stakeholders across risk, finance, credit, operations, compliance, and servicing. Maintain documentation, methodologies, and data quality standards for portfolio risk reporting. Assist in the development of dashboards, scorecards, and analytics that improve risk visibility. Contribute to policy, process, and control enhancements related to portfolio monitoring. What you bring Bachelor’s degree in Finance, Economics, Business, Mathematics, Statistics, or a related field. 3+ years of experience in consumer credit risk, portfolio analytics, or related financial analysis. Experience with auto lending, auto leasing, or consumer portfolio management, including knowledge of credit risk frameworks, residual value risk concepts, and portfolio monitoring practices. Strong analytical and problem-solving skills with attention to detail. Demonstrated experience in data analysis and reporting tools such as Excel, SQL, Python, Tableau, or similar platforms. Ability to interpret large datasets and communicate complex findings in a clear, concise manner. Experience preparing materials for senior leadership, board reporting, or regulatory examinations. Strong written and verbal communication skills. Ability to manage multiple priorities and work effectively in a fast-paced environment. Added bonus if you have Certificates in Tableau or Power BI Experience with credit policy, loss forecasting, or risk governance processes. Familiarity with regulatory expectations for consumer lending. What We’ll Bring During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include: A work environment built on teamwork, flexibility, and respect Professional growth and development programs to help advance your career, as well as tuition reimbursement Team Member Vehicle Purchase Discount Toyota Team Member Lease Vehicle Program (if applicable) Comprehensive health care and wellness plans for your entire family Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute (if applicable) Paid holidays and paid time off Referral services related to prenatal services, adoption, childcare, schools and more Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA) Relocation assistance (if applicable) Belonging at Toyota Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law. Have a question, need assistance with your application or do you require any special accommodations? Please send an email to talent.acquisition@toyota.com. At Toyota, we don’t just have a vision, but a group of talented, dedicated people who work hard every day to turn that vision into reality. Our mission is to build a future where everyone has the freedom to move. We believe that nothing is impossible. We have big dreams and persevere through any obstacles. We work together to create the future of mobility and make the world a better place. Career Possibilities: Toyota is a place for people who dream big and are determined to make those dreams a reality. We encourage innovation and look for people who will challenge the status quo in order to make the world a better place. We thrive on teamwork and collaboration and know diverse backgrounds, experiences and perspectives are not only the right thing for our people, they are a business imperative. Together, we’re empowered to forge our own paths — to be agile, curious and embrace a growth mindset and immerse ourselves in situations to gain new perspectives and to inspire bold, innovative ways of thinking and working. Our success as a company is directly tied to our team members’ success, and our collective ability to give back to society through an unwavering commitment to delight our customers and make people’s lives better. If you want to be part of the next-generation of innovations that help keep the world moving, then join us. And let’s start our impossible, together.

Senior Analyst, Consumer Credit & Residual Value Risk.

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