Why GM Financial?

GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.
S. We are a integral provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers,

we offer
attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.

Job Description

GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.
S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers,

we offer
attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses. At GM Financial, our team members define and shape our culture — an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive. Our Purpose: We pioneer the innovations that move and connect people to what matters. This position will be posted until filled.

About the Role

The Risk Consumer Specialist is a senior individual contributor responsible for providing advanced credit risk analytics and leading risk initiatives that support profitable and sustainable business growth while maintaining appropriate risk disciplines and appetite. The role will have a strong focus on consumer credit risk, covering credit policies, originations,



credit decisioning, portfolio performance, risk segmentation, and emerging risk identification. This position is expected to translate complex data and portfolio trends into actionable risk strategies, provide recommendations to senior stakeholders, and act as a key point of connection between Consumer Risk, Credit Operations, Analytics, Technology, and central/global Risk teams. The role requires a high degree of autonomy, analytical judgment, business understanding, and ownership of initiatives, operating as a subject matter expert across different components of the consumer credit risk lifecycle. The position provides leadership and oversight across Credit Origination, Portfolio Risk Management, Leasing & Residual Values, Credit Loss Reserves, and Credit Decisioning Platforms, ensuring effective governance, risk measurement, controls, and decision-making throughout the credit lifecycle.

In This Role You Will

- Manage and oversee credit decisioning platforms from a Risk perspective, ensuring credit policies, strategies and decision rules are appropriately implemented and aligned with business and risk requirements.
- Serve as the primary Consumer Risk point of contact for Credit Operations on matters related to decisioning platforms, credit policies, system functionality and credit strategy implementation.
- Coordinate with central and global teams on the implementation,



enhancement and evolution of credit decisioning tools and capabilities, representing Mexico Consumer Risk requirements and priorities.
- Partner with Credit Operations, Technology, Analytics and central teams to translate risk strategies and business requirements into decisioning capabilities and system requirements.
- Identify opportunities to improve efficiency and simplify credit decisioning processes, including increased automation, reduced manual intervention and improvements in the effectiveness of the credit evaluation process.
- Define and develop the analytics and monitoring framework for credit decisioning platforms, establishing relevant indicators to assess strategy performance, decision outcomes, overrides, declines, referrals and other key decisioning trends.
- Develop, assess, validate and monitor consumer credit policies and underwriting strategies, ensuring alignment with risk appetite, business objectives and market conditions.
- Perform advanced analysis of consumer portfolio performance, identifying emerging risks, changes in customer behavior and opportunities to strengthen portfolio quality.
- Monitor relevant risk indicators across the credit lifecycle, including delinquency, losses, vintages, roll rates and other portfolio performance measures.
- Perform ad hoc risk analyses, data assessments and strategic evaluations as business needs arise, translating complex information into actionable insights, recommendations and risk proposals to support management decision-making.

Qualifications

What makes You an ideal candidate?

- Knowledge of portfolio performance indicators, including delinquency, roll rates, vintage analysis, losse

📌 Consumer Risk Specialist (Monterrey)
🏢 Gm Financial
📍 Monterrey