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Consumer Credit Risk Jobs in Ohio (NOW HIRING)

GM Financial

ACF Sr Credit Analyst I

Cincinnati, OH · Hybrid

Knowledge consumer finance and banking environment * Knowledge of State and Federal regulatory ... Analyze credit data to determine the degree of risk involved in extending credit * Make decisions ...

GM Financial

ACF Sr Credit Analyst I

West Chester, OH · On-site

Analyze credit data to determine the degree of risk involved in extending credit * Make decisions ... Knowledge consumer finance and banking environment * Knowledge of State and Federal regulatory ...

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All JobsConsumer Credit Risk JobsConsumer Credit Risk Jobs in Ohio

Consumer Credit Risk information

See Ohio salary details

$82.2K

$150.5K

$227.7K

How much do consumer credit risk jobs pay per year?

As of Jul 13, 2026, the average yearly pay for consumer credit risk in Ohio is $150,507.00, according to ZipRecruiter salary data. Most workers in this role earn between $126,900.00 and $168,700.00 per year, depending on experience, location, and employer.

What is the difference between Consumer Credit Risk vs Consumer Credit Analyst?

AspectConsumer Credit RiskConsumer Credit Analyst
Primary FocusAssessing and managing credit risk for consumer loansAnalyzing credit data to evaluate individual borrower creditworthiness
ResponsibilitiesDeveloping risk models, monitoring portfolio risk, setting credit policiesReviewing credit reports, making lending recommendations, conducting financial analysis
Required CredentialsOften requires a degree in finance, economics, or related fields; certifications like CFA or credit risk certifications are commonSimilar credentials; degrees in finance or economics, plus relevant certifications
Work EnvironmentRisk management departments, financial institutions, credit bureausLending institutions, banks, credit agencies

Consumer Credit Risk professionals focus on managing and mitigating risks associated with consumer lending portfolios, while Consumer Credit Analysts primarily evaluate individual credit applications to support lending decisions. Both roles require similar qualifications and often work within the same industry environments, but their core functions differ in scope and focus.

What is consumer credit risk?

Consumer credit risk refers to the likelihood that a borrower, such as an individual or household, will fail to repay a loan or meet their financial obligations. This risk is assessed by lenders using various factors, including credit history, income level, and existing debts. Professionals in consumer credit risk analyze data to make informed decisions about lending, set appropriate interest rates, and help manage potential losses. Effective management of consumer credit risk is crucial for financial institutions to maintain profitability and minimize defaults.

What are the key skills and qualifications needed to thrive as a Consumer Credit Risk Analyst, and why are they important?

To excel as a Consumer Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk modeling tools, statistical software such as SAS or Python, and risk management frameworks like Basel II/III is highly valued, along with relevant certifications such as FRM or CFA. Attention to detail, critical thinking, and effective communication are crucial soft skills for interpreting data and conveying risk insights to stakeholders. These competencies are essential for accurately assessing creditworthiness, minimizing financial losses, and supporting sound lending decisions.

How does a Consumer Credit Risk analyst typically collaborate with other departments within a financial institution?

Consumer Credit Risk analysts frequently work cross-functionally, partnering with teams such as underwriting, collections, product development, and compliance. They provide insights on credit policy impacts, contribute to the design of new lending products, and help ensure regulatory requirements are met. This collaboration ensures that risk assessments are integrated into business decisions, promoting sound credit practices while supporting growth objectives. Regular meetings and data sharing with these departments are common to align strategies and address emerging risks.
What are popular job titles related to Consumer Credit Risk jobs in Ohio? For Consumer Credit Risk jobs in Ohio, the most frequently searched job titles are:
What job categories do people searching Consumer Credit Risk jobs in Ohio look for? The top searched job categories for Consumer Credit Risk jobs in Ohio are:
Consumer Credit Risk jobs near you
ACF Sr Credit Analyst I

ACF Sr Credit Analyst I

GM Financial

Cincinnati, OH • Hybrid

Full-time

Retirement

Posted 27 days ago

GM Financial rating

7.9

Company rating: 7.9 out of 10

Based on 41 frontline employees who took The Breakroom Quiz

66th of 148 rated vehicle equipment hire

Job description

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 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.

What makes You an ideal candidate?

  • Knowledge consumer finance and banking environment
  • Knowledge of State and Federal regulatory requirements
  • Knowledge of indirect retail auto financing
  • Knowledge of motor vehicle retail installment documentation
  • Knowledge of sales, credit, and funding processes in consumer finance
  • Knowledge of the Company's credit policies
  • Knowledge of the retail automobile finance industry
  • Working knowledge of consumer credit, credit laws, and regulations
  • Ability to multi-task
  • Ability to professionally represent GM Financial
  • Ability to work under pressure and make decisions in a fast-paced environment
  • Credit underwriting skills
  • Customer relations skills
  • Display commitment to continuous improvement of business
  • Effective communication skills including verbal, written, and presentation
  • Innovative thinker with strong ability for strategic vision
  • Negotiation skills
  • Sales skills necessary to develop and maintain productive dealer relationships
  • Strong analytical and problem solving skills
  • Strong work ethic

Education & Work Experience

  • High School Diploma or equivalent required
  • 2-3 years of underwriting/sales in the automotive industry preferred

Additional Knowledge and Skills

Working effectively within an AI enabled environment: 

  • Ability to use AI tools (e.g., Microsoft Copilot) to support daily work

  • Skills in evaluating AI outputs for accuracy, compliance, and bias

  • Experience integrating AI into workflows to improve efficiency or insights

  • Familiarity with AI assisted research, summarization, and content generation

  • Understanding of responsible AI use, including ethics and data protection

What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.

Our Culture: Our team members define and shape our culture - an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work - we thrive.

Compensation: Competitive pay and bonus eligibility.

NOTE: We are unable to consider candidates who require visa sponsorship for this position

This position is not open to agency submissions

#GMFJobs #LI-Hybrid #LI-AV1

In this role you will:

  • Analyze credit data to determine the degree of risk involved in extending credit
  • Make decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal laws
  • Develop sufficient dealer relationships that ensure volume objectives and credit quality
  • Capture automotive finance contracts that meet Americredit/GM Financial profitability criteria for pricing and performance
  • Ensure branch office cooperation with other departments to maximize efficiency within the company
  • Ensure all queues are worked to acceptable service levels
  • Conduct joint dealer calls with Dealer Relationship Manager (DRM) on an as needed basis
  • Perform outbound telemarketing calls to the dealer customer
  • Establish and track monthly goals for assigned dealers
  • Ensure proper documentation is received on all deals

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