Associate Director of Risk Analytics, Credit Planning at Mitsubishi HC Capital America, Inc.

🚨 Associate Director of Risk Analytics, Credit Planning 🚨Our client, Mitsubishi HC Capital America, is seeking an Associate Director of Risk Analytics to join their Credit Planning team. This is a high impact role focused on shaping credit policy through data-driven insights and portfolio optimization across both U.S. and Canadian markets. If you thrive in transforming complex data into actionable strategies and want to lead the evolution of credit planning, this is your opportunity to influence the future of commercial finance.ONSITE: 5 days/week in any of the following locations: Edina, MN | Itasca, IL | Norwalk, CT | Flower Mound, TX🔍 THE ROLE: DRIVE CREDIT STRATEGY WITH INSIGHT AND IMPACTAs an Associate Director of Risk Analytics in the Credit Planning team at Mitsubishi HC Capital America, you will lead the development of strategic credit policies and risk analytics across both U.S. and Canadian portfolios. This is a high impact role focused on optimizing the firm’s risk/reward tradeoff through data-driven decision making and portfolio management.You will be responsible for building and refining credit scoring models, exposure limits, and risk based pricing strategies, while also mentoring peers and collaborating across departments. This role is ideal for someone who thrives in translating complex analytics into clear, actionable strategies.KEY RESPONSIBILITIES:Own and optimize credit policy components including buy boxes, score cut-offs, exposure limits, and collateral guidelinesLead analytics for the U.S and Canadian portfolio strategyDevelop predictive models and portfolio analytics to guide underwriting and risk appetiteCollaborate with originations, legal, and HQ Credit in Tokyo to align strategy and executionDrive automated decisioning, loss forecasting, and approval processing metricsPresent insights and recommendations to senior leadership with clarity and impactMentor team members and foster a collaborative, high-performance culturePromote the use of advanced analytical tools across Risk Management and Strategic Planning🛠️ WHAT YOU BRING TO THE TABLEBachelor’s degree or equivalent experience8+ years of experience in data analytics, credit strategy, or risk policyProven ability to use analytics to drive measurable results (e.g., loss reduction, policy impact, cost savings)Commercial or consumer finance background (e.g., Capital One, Chase, Citi), preferredTechnical understanding of data models, segmentation, and mining techniquesStrong analytical and statistical skills, including time series analysisExcellent communication skills- able to simplify complex problems and explain their significanceExperience with tools such as Excel, SQL, SAS, Python, PowerPoint, and SAP Business ObjectsAbility to manage multiple projects under tight deadlinesAbility to work independently and influence strategic direction💰 COMPENSATION: $96,200 – $156,230; based on experience. This role is also eligible for a year-end bonus.🎁BENEFITS & PERKSExperience a comprehensive package designed to fuel your personal and professional journey:Top-Tier Health & Insurance: Medical, dental, vision, life & AD&D with low premiums; prescription drug coverageFinancial Security: 401K with immediate vesting and up to 4.5% match; RSP contributions day one; HSA contributions; flexible-spending accountsTime Off: Competitive vacation time, plus 10 scheduled holidaysWellness & Lifestyle: Annual fitness reimbursement; virtual fitness membership; Stress management tools; Employee Assistance Program for confidential support and coachingProfessional Growth: Tuition reimbursement after one year; dedicated development budgetCulture: Transparent, collaborative environment with a supportive, family-like team📢 MAKE A VISABLE IMPACT: Apply now or forward your resume directly to: [email protected] HC Capital is an equal opportunities employer and positively encourages applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, status, religion or belief, marital status, or pregnancy and maternity.Gallagher's HR & Organizational effectiveness team provides expert guidance and hands-on support in HR, Recruiting, and Payroll to help organizations stay focused on achieving their strategic business goals.