{"id":1715828,"url":"https://alion.io/job/carmax-director-credit-risk-analytics","title":"Director, Credit Risk & Analytics","company":{"id":1759292,"name":"CarMax","domain":"carmax.com","url":"https://alion.io/company/carmax-com","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"B","score":83,"open_postings":69,"ghost_share":0,"stale_share":0.884,"repost_share":0,"time_to_fill_p50_days":17,"computed_at":"2026-10-23T05:54:15Z"}},"role":"Analytics","role_family":"Analytics","seniority":"head","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"explicit","locations":["Atlanta, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":148100,"max":237000,"currency":"USD","period":"year","gross":null,"usd_annual":237000},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Machine Learning","optional":true},{"name":"Python","optional":true},{"name":"Snowflake","optional":true},{"name":"SQL","optional":true},{"name":"Tableau","optional":true}],"status":"live","first_seen_at":"2026-09-29T00:00:00Z","employer_posted_date":"2026-09-29","last_verified_at":"2026-10-22T02:33:47Z","board_verified":true,"closed_at":null,"days_open":25,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":25},"description":"9002 - Carmax Auto Finance - 225 Chastain Meadows Ct NW, Kennesaw, Georgia, 30144CarMax, the way your career should be!\n\nDirector, Credit Risk & Analytics\nAbout this job\nAs the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer, and more transparent - empowering customers across the credit spectrum to unlock affordability and drive away in the dream vehicle.\nThe Director of Credit Risk & Analytics owns the analytical engine behind that business. This is a builder's seat as much as an operator's. CAF is investing in our decisioning platform, our data infrastructure, and our use of alternative data - and we're looking for a leader who can both run the function with discipline and reshape it for what comes next.\nYou will spend your time\nSetting originations strategy across credit policy, consumer pricing, fraud, and decisioning - balancing growth, risk-adjusted return, and customer experience\nEvolving originations capabilities to further expansion into full-spectrum lending, through technology, alternative-data, and analytics.\nOwning P&L responsibilities by developing forecast models and successfully steering the business to navigate a highly dynamic environment\nBuilding and leading a world-class analytical team - hiring exceptional talent, developing manager-level leaders, and creating an environment where analysts do their best work\nInfluencing executive decision-making with data-grounded recommendations, and serving as a thought partner to CAF and CarMax senior leadership\nWhat you will need to succeed\nWe're looking for a player-coach who builds and develops talent, holds a high bar on analytical rigor, and brings genuine curiosity about how new data, new techniques, and new business models can change what's possible in auto lending. Given the breadth of the role, this leader will need to earn trust quickly with executives, cross-functional partners, and other key stakeholders.\nTo be eligible\nBachelor's degree in mathematics, statistics, finance, economics, a related field, or equivalent experience; Master's degree preferred\n8-10 years of proven credit policy and/or credit risk management experience (or equivalent) across multiple functional areas or products, including experience managing analysts and managerial staff; strong knowledge of financial services preferred\nStrong conceptual thinking skill to design and manipulate complex mathematical models to explain and predict business metrics, and to analyze complex data to draw conclusions and make business recommendations\nAbility to convert vague business objectives into concrete analysis tasks and lead a team to tackle them systematically\nAbility to inspire and lead analytical teams to effectively design and execute strategies that meet business goals and objectives\nBonus points for\nAdvanced degree in a quantitative discipline (engineering, math, statistics, operations research, economics, physics, etc.)\nPrior leadership experience in auto finance, consumer lending, and/or fintech\nHands-on familiarity with machine learning and alternative data in a lending context\nWorking proficiency in SQL, Python or R, and modern data / BI tooling (Snowflake, Tableau, etc.)\nWork Location and Arrangement: \nThis role will be based out of the CarMax Auto Finance office (Kennesaw, GA). Associates will work onsite 4 days per week.\nWork Authorization:Applicants must be currently authorized to work in the United States on a full-time basis. Sponsorship will be considered for this specific role.\nAbout CarMax\nCarMax disrupted the auto industry by delivering the honest, transparent and high-integrity experience customers want and deserve. This innovative thinking around the way cars are bought and sold has helped us become the nation’s largest retailer of used cars, with over 200 locations nationwide.\nOur amazing team of more than 25,000 associates work together to deliver iconic customer experiences. Along the way, we help every associate grow their career and achieve their best, at work and in their community. We are recognized for our commitment to training and diversity and are one of the FORTUNE 100 Best Companies to Work For®.\nCarMax is an equal opportunity employer, and all qualified candidates will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, protected veteran status, age, disability status, or any other characteristic protected by law.\nUpon an applicant's request, CarMax will consider reasonable accommodation to complete the CarMax Job Application.\nThe annual salary for this position is:\n$148,100.00 - $237,000.00May be eligible for bonus and equity.\nBenefits:\nExcept as otherwise required by state law, CarMax Associates are entitled to the following paid sick, vacation, and holiday time.\nAssociates that are considered full-time hourly or commission/incentive eligible:\nTo earn up to 48 hours of sick time per year accrued on a per pay period basis and between 80 hours and 200 hours per year of vacation time after a 90 day waiting period depending on years of continuous service with the Company. \nFor 8 hours of pay for each of a total of 6 paid scheduled holidays per year plus 1 floating holiday. If such an Associate does work on a scheduled holiday due to business need, they are eligible for Holiday Premium Pay. \nAssociates considered full-time salaried are entitled to paid time away with no specified limit as needed for sick, vacation, bereavement, jury duty, holidays, floating holiday, etc. subject to manager approval.\nFor more details about benefits, please visit our CarMax Benefits website.\nUpon an applicant's request, CarMax will consider reasonable accommodation to complete the CarMax Job Application.","description_format":"text","description_chars":5849,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Equity"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[{"name":"Central African Republic","iso":"CF"}],"relocation_offered":false,"industries":["Leasing, Auto & Equipment Finance","Car Dealerships"],"lifecycle":[{"event":"open","at":"2026-10-02T18:35:24Z"}],"visa":[],"liveness":{"score":29,"band":"fade","label":"Fading","p_open":1,"p_active":0.526,"p_room":0.55,"age_days":24,"expected_fill_days":17,"reasons":["conf:27","stale_co","velocity","win:tail","comp:brand"],"computed_at":"2026-10-23T05:54:15Z"},"pay":{"stated_usd_annual":237000,"is_top_pay":true},"html_url":"https://alion.io/job/carmax-director-credit-risk-analytics","json_url":"https://alion.io/job/carmax-director-credit-risk-analytics.json","meta":{"generated_at":"2026-10-24T01:02:24Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":1687,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-25T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":1759292},"rest":"https://alion.io/mcp/rest/get_company?id=1759292"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fcarmax-director-credit-risk-analytics"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fcarmax-director-credit-risk-analytics"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fcarmax-director-credit-risk-analytics"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/carmax-director-credit-risk-analytics\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fcarmax-director-credit-risk-analytics"}]}