Risk Credit Policy Analyst II

GM Financial

Risk Credit Policy Analyst responsible for analyzing credit risk exposure related to consumer and commercial loan and lease activities. Duties include monitoring credit policies and performance across regions and dealerships.

Posted 5/28/2026full-timeIrving • Texas • 🇺🇸 United StatesJuniorMid-LevelWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

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

Benefits

Comp & perks

401K matching
bonding leave for new parents (12 weeks, 100% paid)
tuition assistance
training
GM employee auto discount
community service pay
nine company holidays

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

data analysisdata miningback-testingtrend analysisimpact assessmentscredit risk quantificationdata validationpolicy developmentlending criteriasegmentation

Soft Skills

communicationpresentationanalytical thinkingproblem-solvingattention to detailrecommendation developmentreportingproject design