Credit Risk Associate Jobs in Duluth, GA (NOW HIRING)

CarMax, the way your career should be!

Position Overview

As an Analyst II, Funding Analytics, you will play a critical role in supporting CarMax Auto Finance (CAF)'s funding strategy and driving operational excellence across transaction execution, lending facility monitoring, and funding optimization. In this dynamic position, you'll leverage advanced data analytics and database tools to support funding transactions, monitor the health of CAF's lending facilities, and build forecasting models that identify compliance and capacity risks. Your insights will help optimize funding decisions, inform transaction strategy, and deliver actionable recommendations to Treasury, Credit Risk, and senior leadership. You'll also design and maintain reporting that tracks lending facility performance and forecast outputs, ensuring timely and accurate updates for decision-making. This role demands a strong commitment to compliance and operational risk controls, aligning with CarMax's reputation for integrity and transparency.

Why CarMax?

At CarMax, we are the nation's largest retailer of used cars with stores from coast to coast, and we are still growing. We're rethinking the way people buy cars - and it's our associates that help us do just that. We believe work should feel meaningful and rewarding, with opportunities to make an impact every day. This is where innovation meets passion - be inspired and supported to take us to the future.

Team Overview

Our success is powered by a customer-focused, data-driven approach and a culture that values collaboration and innovation. As part of the Funding Analytics team, you'll work in a fast-paced environment where your analytical expertise will help execute funding transactions, monitor the health of CAF's lending facilities daily, evaluate funding opportunities across the credit spectrum, and build the forecasting tools that keep CAF ahead of industry trends. You'll partner closely with multiple teams in a two-way information flow that sharpens our models and strengthens CAF's overall funding execution. We're a small team building net-new analytical capabilities, so we value independent thinkers who are comfortable with ambiguity, eager to build solutions from the ground up, and committed to doing what's right for both the business and our customers.

Role Responsibilities

• Support the execution of CAF's funding transactions, including portfolio analysis, performance modeling, and validations that support regulatory reporting requirements.
• Monitor the health of CAF's lending facilities on a daily and monthly basis, tracking performance against contractual limits to flag emerging risks proactively.
• Analyze funding opportunities across the credit spectrum and contribute to the implementation of strategies.
• Support and maintain forecasting and risk models, including multi-year funding forecasts and account-level risk models, that identify compliance and capacity risks and inform smarter transaction strategy.
• Deliver insights and updates to business partners and senior leadership, supporting strategic decision-making on funding execution and underwriting impact.
• Ensure compliance with regulatory standards and operational risk controls, maintaining CarMax's commitment to integrity.
  

Required Qualifications

• Bachelor's degree required.
• 0-3 years of experience in an analytical role.
• Strong ability to access, manipulate, and interpret data using analytical tools.
• Advanced proficiency in Excel, including comfort with complex formulas; proficiency in PowerPoint and general software applications.
• Strong attention to detail and analytical rigor - recurring monitoring and reporting work requires accuracy.
• Strong communication skills, including the ability to translate technical analysis for non-technical partners.
  

Preferred Qualifications

• Degree in an analytical or mathematics discipline.
• Experience with programming tools (e.g. SQL, Python)
• Experience building forecasting, projection, or scenario models.

Work Location and Arrangement:

This role will be based out of the CarMax Auto Finance office (Kennesaw, GA).Associateswillworkonsite4 days per week.

Work Authorization: Applicants must be currently authorized to work in the United States on a full-time basis. Sponsorship willnotbe considered for this specific role.

About CarMax

At CarMax, we revolutionized the used car buying experience over 30 years ago by introducing transparency and integrity into the process. Our commitment to customer experience, innovation, and community has made us the nation's largest used car retailer. With over 250 store locations and over 30,000 associates, we are proud to have been recognized as one of the Fortune 100 Best Companies to Work For and are committed to helping our communities thrive.

As an associate, you are part of an innovative movement to empower the modern customer and drive progress. Your work fuels change-sparking ideas, overcoming challenges, and shaping what's next. Join us in creating a better future- for our company, our customers, and the communities we call home.

CarMax 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, disability status, or any other characteristic protected by law.

The annual salary for this position is:

May be eligible for bonus and equity.

Benefits:

Except as otherwise required by state law, CarMax Associates are entitled to the following paid sick, vacation, and holiday time.

Associates that are considered full-time hourly or commission/incentive eligible:

• To 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.
• For 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.

Associates 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.

For more details about benefits, please visit our CarMax Benefits website.

Upon an applicant's request, CarMax will consider reasonable accommodation to complete the CarMax Job Application.