Retail Credit Risk Management Lead

Ford Motor Company

. Provide support to the Chief Credit Officer in all consumer lending credit risk activities .

Posted 10/13/2026full-timeSalt Lake City • Utah • United StatesSenior💰 $99,100 - $166,200 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in consumer credit risk management, including compliance with lending regulations and effective credit risk monitoring. Strong analytical and communication skills are essential for reporting and oversight functions.

Highest-signal resume keywords

Consumer Credit Risk ManagementLending Interagency RegulationsCredit Risk MonitoringAnalytical SkillsCommunication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk ManagementData AnalysisUnderwriting StandardsRisk MitigationFinancial Data Analysis

Soft Skills

Customer ServicePresentation Skills

Industry Keywords

Banking Experience3-Lines of DefenseFederal/State Law ComplianceVehicle Residual ValueCredit Committee Reporting

About the role

Key responsibilities & impact

Provide support to the Chief Credit Officer in all consumer lending credit risk activities
Execute the Bank’s credit risk management program in alignment with the Bank’s governance framework and risk appetite
Comply with Bank policy and federal/state law and regulation
Maintain an effective credit risk monitoring program
Monitor adherence to consumer lending applicant underwriting standards
Monitor standards for investigation and verification of applicant and contract data
Monitor collection and vehicle repossession strategies, tactics, and record keeping
Execute a second-line-of-defense risk management program for consumer loans
Ensure bank underwriting, servicing, collection, and other standards are met
Provide independent oversight and reporting to Senior Management and the Credit Committee
Report on key credit risks, credit risk trends, credit risk mitigation, policy exception volumes, performance, and credit concentrations
Oversee vehicle residual value setting processes
Conduct quarterly reviews of vehicle residual value performance and report results
Serve as secretary to the Ford Credit Bank Credit Committee

Requirements

What you’ll need

Bachelor’s degree preferred
5+ years of banking experience
Minimum of 3 years’ experience in consumer credit risk
Knowledge of lending interagency regulations and applicable state laws
Understanding of the 3-lines of defense in banking
Strong communication and presentation skills
Proven customer service experience
Exceptional analytical skills
Ability to work with complicated financial data
Must be legally authorized to work in the United States
Visa sponsorship is not available

Benefits

Comp & perks

Immediate medical, dental, vision and prescription drug coverage
Flexible family care days
Paid parental leave
New parent ramp-up programs
Subsidized back-up child care
Family building benefits including adoption and surrogacy expense reimbursement and fertility treatments
Vehicle discount program for employees and family members
Management leases
Tuition assistance
Established and active employee resource groups
Paid time off for individual and team community service
Generous schedule of paid holidays, including the week between Christmas and New Year’s Day
Paid time off
Option to purchase additional vacation time