Jobs at Toyota in United Kingdom

Toyota Financial Services, KINTO and KINTO JOIN

Portsmouth

GBP 40,000 - 60,000

This role that you are applying for will be working for KINTO-UK Ltd, which is a Mobility Brand owned by the Toyota Group, with offices located in Portsmouth. KINTO-UK shares its HR function with Toyota Financial Services (TFS) in the UK; however, the job being advertised will not be working directly for Toyota Financial Services.

The role in a nutshell: The Credit Risk Analyst will support the Credit Risk Manager in implementing strategies to manage delinquency, refine credit scoring, and ensure robust credit risk reporting. This role focuses on analysing credit data, supporting score management, and enhancing portfolio monitoring processes.

What you will be doing:

• Delinquency Analysis: Assist in monitoring and analysing delinquency rates, identifying trends, and supporting reduction strategies.
• Scorecard Validation: Collaborate on scorecard validation and contribute to portfolio risk assessments.
• Reporting: Prepare regular reports on credit risk KPIs and support the maintenance of portfolio monitoring systems.
• ECL Model Support: Aid in recalibrating ECL models based on current credit data, with a focus on refining Exposure at Default (EAD) and Loss Given Default (LGD) parameters.
• Policy Implementation: Support governance activities by assisting in updating policies related to credit risk, write-offs, and delinquency management.

Experience you will gain:

• Exposure to portfolio monitoring, credit risk analysis, and delinquency management strategies.
• Hands-on experience with ECL models and scorecard processes.
• Opportunity to work closely with the Credit Risk Manager on developing risk frameworks.

Key experience and skills:

• Credit Analysis Proficiency: Strong foundation in analysing credit data, scorecard validation, and portfolio risk assessment.
• Data and Model Handling: Familiarity with managing ECL models and parameters, specifically EAD and LGD calibration.
• Reporting & Monitoring: Skilled in producing and interpreting credit risk reports and KPI tracking.

Attributes and Behaviours:

• Analytical Mindset: Demonstrates keen attention to detail and an ability to derive insights from data.
• Proactive Problem-Solver: Tackles challenges with innovative solutions, driving improvements in credit risk processes.
• Effective Communicator: Articulates complex concepts clearly, enabling informed decision-making across teams.

Benefits:

• Bonus earning potential
• 25 days holiday + 8 days bank holiday
• Great pension scheme starting at employee (EE) contribution of 4% with an employer (ER) contribution of 11%. This can flex up to 6% EE contribution and 15% ER contribution
• Company Car Scheme following passing of probation
• Private Medical Cover
• Discounts on different retailers
• Wellbeing hour each month
• Discounts on Toyota & Lexus cars
• Employee assistance programmes
• Free fruit in the office
• Free onsite car parking
• Hybrid working policy 2 days from home each week should you want to

KINTO UK is an equal opportunities employer. We welcome applications from anyone who is excited by the opportunity of joining us and will thoroughly consider all applications without attention to ethnicity, religion, sexual orientation, gender, identity, family or parental status, national origin, veteran, neurodiversity status or disability status.

OUR RECRUITMENT PROCESS

At KINTO, we value everyone and are pleased to be recognised as a Disability Confident Employer, which is a national standard that ensures our processes are accessible to all.

For this role, we follow a 1st and 2nd round interview process with a member of HR and the hiring Manager/s. The interview will be via Teams and/or Face to Face, so that we ensure you have the best experience.

Everyone is unique, and that means what works for some may not work for everyone. When it comes to recruitment, please do let us know if we can adjust our process to meet your accessibility needs.

Some examples of how we might be able to help are listed below:

• Providing a copy of interview questions before the interview
• Organising a time and location that best suits you
• Allowing additional time for the assessment and interview

We are happy to review any adjustment on a case-by-case basis, so please let us know how we can support you to be your best self.

On-the-job training will be provided; we recognise we all learn differently, and we want to ensure that our training will suit your learning style. We are open to talking to you about how we can make learning your new role in the most positive way.