Job Description

🚨 Associate Director of Risk Analytics, Credit Planning 🚨

Our client, Mitsubishi HC Capital America , is seeking an Associate Director of Risk Analytics to join their Credit Planning team. This is a high impact role focused on shaping credit policy through data-driven insights and portfolio optimization across both U.S. and Canadian markets. If you thrive in transforming complex data into actionable strategies and want to lead the evolution of credit planning, this is your opportunity to influence the future of commercial finance.

ONSITE: 5 days/week in any of the following locations: Edina, MN | Itasca, IL | Norwalk, CT | Flower Mound, TX

🔍 THE ROLE: DRIVE CREDIT STRATEGY WITH INSIGHT AND IMPACT

As an Associate Director of Risk Analytics in the Credit Planning team at Mitsubishi HC Capital America, you will lead the development of strategic credit policies and risk analytics across both U.S. and Canadian portfolios. This is a high impact role focused on optimizing the firm’s risk/reward tradeoff through data-driven decision making and portfolio management.

You will be responsible for building and refining credit scoring models, exposure limits, and risk based pricing strategies, while also mentoring peers and collaborating across departments. This role is ideal for someone who thrives in translating complex analytics into clear, actionable strategies.

KEY RESPONSIBILITIES:

• Own and optimize credit policy components including buy boxes, score cut-offs, exposure limits, and collateral guidelines
• Lead analytics for the U.S and Canadian portfolio strategy
• Develop predictive models and portfolio analytics to guide underwriting and risk appetite
• Collaborate with originations, legal, and HQ Credit in Tokyo to align strategy and execution
• Drive automated decisioning, loss forecasting, and approval processing metrics
• Present insights and recommendations to senior leadership with clarity and impact
• Mentor team members and foster a collaborative, high-performance culture
• Promote the use of advanced analytical tools across Risk Management and Strategic Planning

🛠️ WHAT YOU BRING TO THE TABLE

• Bachelor’s degree or equivalent experience
• 8+ years of experience in data analytics, credit strategy, or risk policy
• Proven ability to use analytics to drive measurable results (e.g., loss reduction, policy impact, cost savings)
• Commercial or consumer finance background (e.g., Capital One, Chase, Citi), preferred
• Technical understanding of data models, segmentation, and mining techniques
• Strong analytical and statistical skills, including time series analysis
• Excellent communication skills- able to simplify complex problems and explain their significance
• Experience with tools such as Excel, SQL, SAS, Python, PowerPoint, and SAP Business Objects
• Ability to manage multiple projects under tight deadlines
• Ability to work independently and influence strategic direction

💰 COMPENSATION: $96,200 – $156,230; based on experience. This role is also eligible for a year-end bonus.

🎁 BENEFITS & PERKS

Experience a comprehensive package designed to fuel your personal and professional journey:

• Top-Tier Health & Insurance: Medical, dental, vision, life & AD&D with low premiums; prescription drug coverage
• Financial Security: 401K with immediate vesting and up to 4.5% match; RSP contributions day one; HSA contributions; flexible-spending accounts
• Time Off: Competitive vacation time, plus 10 scheduled holidays
• Wellness & Lifestyle: Annual fitness reimbursement; virtual fitness membership; Stress management tools; Employee Assistance Program for confidential support and coaching
• Professional Growth: Tuition reimbursement after one year; dedicated development budget
• Culture: Transparent, collaborative environment with a supportive, family-like team

📢 MAKE A VISABLE IMPACT: Apply now or forward your resume directly to : Lisa_Light@ajg.com

Mitsubishi HC Capital is an equal opportunities employer and positively encourages applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, status, religion or belief, marital status, or pregnancy and maternity.

Gallagher's HR & Organizational effectiveness team provides expert guidance and hands-on support in HR, Recruiting, and Payroll to help organizations stay focused on achieving their strategic business goals.

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