Head of Residual Value Risk

Overview

In this role you own the residual value strategy and forecasts used in loan originations and portfolio valuations. You translate model outputs and market drivers into actionable decisions, communicating clearly to senior leadership. You work with analytics, risk, and business partners to ensure RV assumptions reflect market conditions, remarketing performance, and financial exposure. The position combines risk expertise with business acumen to drive prudent, data-informed RV decisions that support growth and capital planning.

Responsibilities

• Develop, maintain and validate the residual value forecast framework and strategies for loan originations and portfolio valuations
• Analyze remarketing, auction and used-vehicle trends to inform risk positioning and governance discussions
• Validate actual sales performance against residual value forecasts, identify variances, and propose corrective actions
• Translate RV drivers into clear risk narratives and financial impact summaries for leadership
• Partner with analytics teams to validate and challenge model outputs from a risk perspective
• Lead analytics delivery to support risk assessment and leadership reporting
• Collaborate with Remarketing, Risk, and Analytics/IT on data requirements and reporting enhancements
• Lead standardisation and automation of RV risk reporting across Ford Credit markets
• Mentor and develop a team of analysts, balancing risk discipline with business pragmatism
• Support governance and rollout of new residual value forecast models
• Handle ad hoc risk requests and present recommendations to senior management

Key requirements

• 7+ years in residual value setting, risk management, automotive finance, or used-vehicle market analysis
• 7+ years of team leadership experience with coaching and performance management
• Strong understanding of residual values’ impact on financial performance including reserves and capital stress testing
• Working knowledge of data modelling concepts (statistical, econometric, or machine learning) and ability to assess model outputs
• Familiarity with SQL, Python, GCP BigQuery, Alteryx, Power BI, and QlikSense
• Strong business and risk acumen with ability to translate analytics into actionable insights
• Excellent communication skills and experience presenting to senior leaders
• Strong stakeholder management and cross-functional collaboration skills
• Desirable: 10+ years in automotive-related industry; experience in financial risk management; prior leadership in Risk, Finance, or Business Planning
• Technical fluency to engage with Data Science and Analytics teams on model logic and assumptions
• Strong time management to manage multiple priorities
• Judgement and decision-making in uncertain situations
• Ability to translate ambiguous business questions into analytical requirements and communicate results in business terms
• Curious, detail-oriented, proactive in validating data and discrepancies
• Growth mindset with commitment to risk management excellence and technical development

• strong communication
• stakeholder management
• cross-functional collaboration
• SQL
• Python
• GCP BigQuery

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