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.

To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time.

Who we’re looking for

The Risk Department for Toyota Financial Services is looking for a Chief Credit Officer (CCO) with a proven, successful track record in consumer risk at the senior leadership level.

The CCO is responsible for leading the credit strategy and execution of Toyota Motor Credit Corporation (TMCC).  This role will report to the Chief Risk Officer and partner closely with the Executive Management Team to define risk appetite and then optimize profitability within that defined risk appetite. 

The CCO role will have responsibilities for managing Risk within the Consumer Risk portfolio.  For the Dealer Lending portfolio, the CCO will be responsible for optimizing outcomes within the Special Assets department.

This executive level position is based at our North American headquarters in Plano, Texas. The selected candidate will be expected to reside within commutable distance of this location.

What you’ll be doing

Consumer Risk

• Defining, monitoring, and adjusting TMCC’s origination strategies within the risk appetite

• Partner closely with the Data Sciences organization to ensure strong scorecards and analytical tools

• Oversee the Collections Strategy by leveraging scorecards and data analysis to define, monitor, and adjust strategies relating to collections treatment, vendor optimization, and loan modifications

Special Assets / Dealer Lending area

• Responsible for the Special Assets group, which manages the Watch list including any dealers in Default or at high risk of default; responsibilities within this area consist of underwriting, performance monitoring and working directly with Dealers and the Sales team to mitigate losses

• As a part of this function, the CCO will be a voting member on Credit Committees and instrumental in providing recommendations on loan structures across the entire portfolio

Lead Talent and Organizational Development

• Inspire and develop high-performing teams, fostering a positive and collaborative work environment

• Uphold and promote high ethical standards within the team, emphasizing the importance of integrity and compliance with regulations, and work to create an environment of trust between team members

What you bring

• Four-year college degree (BA or BS)

• 10+ years of experience in consumer risk, including at least 5 years at leadership level

• 10+ years of experience with leading, managing, and developing a team

• Strong technical and analytical skills, including advanced level Microsoft Office

• Excellent interpersonal and presentation skills

Added bonus if you have

• MBA or CPA

• Proficiency in Python, SQL

• Risk experience specifically within auto 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

• 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)

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. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong.

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.