Financial Analyst II - Risk Analysis at Cox in Carmel, IN

Financial Analyst II - Risk Analysis Location: Carmel IN Company Cox Automotive - USA Job Family Group Finance Job Profile Financial Analyst II Management Level Individual Contributor Flexible Work Option Hybrid - Ability to work remotely part of the week Travel % No Work Shift Day Compensation Compensation includes a base salary in the range of $67,100.00 - $100,700.00. The base salary may vary within the anticipated base pay range based on factors such as the ultimate location of the position and the selected candidate’s knowledge, skills, and abilities. Position may be eligible for additional compensation that may include an incentive program. Job Description NextGear Capital is the largest independent inventory financing company in the United States, providing lines of credit to over 15,000 independent dealers. As a Cox Automotive brand, NextGear Capital is backed by one of the most trusted names in the automotive industry. Position Summary: NextGear Capital is seeking a Financial Analyst II - Risk Analysis to support the continued growth of its Commercial portfolio. This role will focus on risk analytics for the organization's largest accounts, with an emphasis on early identification of emerging risks and trends. The Financial Analyst will serve as a key liaison between Finance, Lending, Risk, and Performance Management teams, synthesizing data and insights from multiple sources to inform strategic decision-making at the senior leadership level. Candidates must be able to work in a fast-paced, collaborative, team environment. To support business partners effectively, candidates must be comfortable interacting with all levels of the organization, including senior executives. Effective communication of analyses, building strong relationships and building executive-level presentations are essential in this role. Essential Duties and Responsibilities: Conduct ongoing risk analysis of large multi-million dollar accounts, identifying trends, anomalies, and potential areas of concern Collaborate cross-functionally with Lending, Risk, and Performance Management teams to gather data and maintain a comprehensive view of account health Prepare and deliver regular presentations and read-outs to senior leadership summarizing portfolio risk insights and account-level findings Design and refine analytical frameworks, models, and reporting processes to improve the timeliness and accuracy of risk identification Identify opportunities to enhance existing processes and develop innovative approaches to assessing and mitigating risk within the commercial portfolio Exercise independent judgment in prioritizing work and determining areas of focus based on business needs Required Qualifications: Bachelor's degree in Mathematics, Economics, Finance, Business, or a related quantitative discipline with 2+ years of professional experience in financial analysis, risk analytics, or a related analytical function. A candidate may also have a Master's Degree with up to 2 years of experience. A non-degreed candidate will have 6+ years of relevant experience. Demonstrated ability to work with large data sets and translate complex information into clear, actionable insights Advanced MS Excel skills required, including logical and reference formulas, financial functions, use of pivot tables, best practice in financial model structure/design, assumption toggling, charting/graphing and formatting for executive presentations Strong written and verbal communication skills, with the ability to present findings and recommendations to senior stakeholders Proven ability to operate independently in a fast-paced environment with evolving priorities Strong business acumen and the ability to quickly synthesize new information across multiple business areas Demonstrated analytical ability and high degree of intellectual curiosity with track record of delivered results Preferred Qualifications: Experience with SQL, Python, R and/or Business Intelligence programs Familiarity with leveraging AI tools to enhance analytical modeling Prior experience in commercial lending, finance, or automotive industry Work Environment: Hybrid, 2-3 days in-office per week Drug Testing To be employed in this role, you’ll need to clear a pre-employment drug test. Cox Automotive does not currently administer a pre-employment drug test for marijuana for this position. However, we are a drug-free workplace, so the possession, use or being under the influence of drugs illegal under federal or state law during work hours, on company property and/or in company vehicles is prohibited. Benefits The Company offers eligible employees the flexibility to take as much vacation with pay as they deem consistent with their duties, the company’s needs, and its obligations; seven paid holidays throughout the calendar year; and up to 160 hours of paid wellness annually for their own wellness or that of family members. Employees are also eligible for additional paid time off in the form of bereavement leave, time off to vote, jury duty leave, volunteer time off, military leave, and parental leave. About Us Through groundbreaking technology and a commitment to stellar experiences for drivers and dealers alike, Cox Automotive employees are transforming the way the world buys, owns, sells – or simply uses – cars. Cox Automotive employees get to work on iconic consumer brands like Autotrader and Kelley Blue Book and industry-leading dealer-facing companies like vAuto and Manheim, all while enjoying the people-centered atmosphere that is central to our life at Cox. Benefits of working at Cox may include health care insurance (medical, dental, vision), retirement planning (401(k)), and paid days off (sick leave, parental leave, flexible vacation/wellness days, and/or PTO). For more details on what benefits you may be offered, visit our benefits page. Cox is an Equal Employment Opportunity employer – All qualified applicants/employees will receive consideration for employment without regard to that individual’s age, race, color, religion or creed, national origin or ancestry, sex (including pregnancy), sexual orientation, gender, gender identity, physical or mental disability, veteran status, genetic information, ethnicity, citizenship, or any other characteristic protected by law. Cox provides reasonable accommodations when requested by a qualified applicant or employee with disability, unless such accommodations would cause an undue hardship. EOE, including disability/vets Applicants must currently be authorized to work in the United States for any employer without current or future sponsorship. No OPT, CPT, STEM/OPT or visa sponsorship now or in future.