Fraud Risk Manager Jobs in Michigan (NOW HIRING)

To create joy and ignite Michiganders’ Impossible Dreams.

At orsa, our commitments start with our purpose and are guided by our vibrantly lived values. We walk together toward strategic ends, galvanized by regenerative leadership and a growth orientation which moves us toward our human potential, so that we can support Michiganders in shaping the life they desire.

The dealer experience manager serves as the primary relationship owner and strategic liaison between orsa and independent automotive dealerships across Michigan’s indirect auto lending market. This role drives sustainable loan origination volume while safeguarding portfolio quality through proactive risk management, compliance advocacy, and data-driven performance analysis. The dealer experience manager ensures mutually beneficial, compliant, and high‑performing dealer partnerships by balancing growth strategies with disciplined adherence to underwriting guidelines and regulatory standards.

This position has a minimum annual rate of $82,300, but your offer amount may be increased with relevant work experience and transferable skills.

As an impact-driven team, our work is collaborative and dynamic. This role, like all positions at orsa, will be counted on to perform a variety of tasks as directed by leadership. Some of the core deliverables for this role are:

• Identify, prospect, and onboard new dealership partners within target geographic regions. Focus on quality over quantity to ensure alignment with our values.
• Serve as the primary strategic liaison for existing dealer partners. Conduct regular business reviews, resolve complex issues promptly, and identify opportunities to deepen the partnership.
• Collaborate with internal departments and external partners to streamline the deal flow process, reduce turnaround times, resolve funding delays or compliance issues and enhance the experience for both dealers and members.

• Drive loan origination volume to meet or exceed organizational targets by collaborating with dealers and executives on growth strategies. Simultaneously ensure funding efficiency and portfolio quality standards are maintained to support the credit union’s long‑term financial objectives.
• Monitor local market conditions, competitor offerings, and industry trends to advise dealers on how orsa credit union can best serve member needs.
• Act as a Subject Matter Expert (SME) on orsa credit union products and underwriting guidelines. Provide ongoing training to dealer F&I managers and staff to ensure accurate application submission and compliance.

• Monitor dealer‑specific performance indicators (KPIs) including look‑to‑book ratios, delinquency rates, charge‑offs, efficiency metrics, and contract defects.
• Proactively analyze this data to strategize growth opportunities while mitigating industry risk, addressing structural dealer fraud, and ensuring overall portfolio quality.
• Ensure all interactions and agreements strictly adhere to federal, state, and internal regulatory requirements, promoting fair lending practices and data privacy.
• Perform other duties as directed by leadership.

As an organization focused on creating belonging, we appreciate that outstanding team members have different roads to excellence. Therefore, we don’t compromise on capability but are capability but use qualifications as guidelines. Typically, we’d expect a great dealer experience manager to have built capabilities through experiences that would include a minimum of:

• Education: High school diploma or equivalent.
• Work Experience: Minimum 3 years of indirect auto finance or B2B sales, including a proven track record of entering the role with an established book of business or strong existing relationships with key dealership decision‑makers in Michigan.
• Industry Experience: Extensive knowledge of the automotive retail industry.

• Education: Bachelor’s degree in Business, Finance, or Marketing.

The outcome of experience is our priority, so proficiency will be evaluated over means of acquiring it. Necessary competencies include:

• Consumer Credit Underwriting: Evaluates credit worthiness of dealer‑submitted applications, interprets underwriting guidelines, monitors look‑to‑book ratios and credit performance indicators, and applies sound judgment to maintain portfolio quality standards.
• Fair Lending & Consumer Lending Compliance: Ensures all dealer interactions, agreements, and loan submissions adhere to federal and state fair lending laws, internal compliance standards, and data privacy requirements; identifies and escalates structural fraud or regulatory risk.
• Stakeholder Relationship Management: Builds, maintains, and deepens partnerships with automotive dealerships through proactive outreach, business reviews, and responsive issue resolution; prospects and onboards new dealer partners aligned to orsa’s values and portfolio objectives.
• Financial Acumen: Analyzes dealer performance data, market conditions, and portfolio metrics to inform growth strategies, identify risk exposure, and advise internal and external partners on data‑driven decisions.
• Continuous Improvement & Innovation: Identifies and implements enhancements to deal flow processes, turnaround times, and dealer training programs; adapts strategies based on performance data and market intelligence to continuously elevate origination efficiency and experience.

Hybrid

This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient. This position also works from home, where an appropriate work environment is required. Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work‑related supplies weighing up to 10‑15 pounds.

The hybrid classification provides the opportunity to flex with purpose, empowering team members to work in locations best suited for work and life. In that spirit, those in a hybrid role are encouraged to maintain a commutable proximity to their primary work location because:

• The organization expects hybrid team members to attend certain meetings in person
• Managers may require onsite work to support outcomes
• Work model classification is subject to change

• Comprehensive medical, dental, and vision plans
• Generous paid time off package for all full‑time team members
• Up to 12‑weeks paid paternity/maternity leave
• Lifestyle Accounts to help with your personal wellbeing
• Family Health Benefits
• Paid time off to observe all Federal Holidays
• Flexible work options depending on position
• A generous 401k match
• Numerous employee engagement activities
• Community Resource Groups
• Paid time off for occasions such as volunteering, caregiving, and family events

orsa credit union is an equal opportunity employer (M/F/D/V). We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, gender identity or expression, sexual orientation, marital status, disability, veteran status, or any other basis protected by applicable Federal, State or local laws.

Please note that orsa credit union does not involve Artificial Intelligence (AI) when evaluating applications. Applications for this position are reviewed by a member within the Talent Acquisition team. We are dedicated to providing an equitable and thorough review of all submissions and look forward to additional connection as the recruitment process continues!