Each year, CarMax Auto Finance (CAF) helps CarMax customers with vehicle financing and optional protection products. We strive for a simple and seamless consumer experience by offering fast, on-site financing, competitive terms, and convenient payment methods.
The Senior Manager, Portfolio Analytics & Strategy leads strategy development and advanced analytics supporting CAF’s Operations and Portfolio Management functions. You will manage a team of Analysts and partner with leaders across Servicing, Legal, Risk, Finance, and Technology to optimize Servicing, pre- and post-charge-off strategy, digital communications, customer treatment models, productivity and loss improvements. This role sits at the intersection of business strategy, customer experience innovation and data science.

You will spend your time

• Leading analytics initiatives across operations to monitor portfolio performance, monitor strategies and recommend process and reporting improvements

• Guiding the formulation of contact and servicing strategies, portfolio segmentation, and channel optimization to evaluate algorithm performance and identify opportunities for continuous improvement.

• Managing and mentoring a high-performing analytics team, providing coaching, feedback, and long-term career development

• Designing and executing champion/challenger strategies and data-driven campaigns to improve customer experience and loss outcomes

• Partnering with cross-functional teams (Operations, Finance, Technology, Legal, Compliance, Product) to develop and implement portfolio and treatment strategies

• Guiding analyst through design, development and deployment of machine learning models across customer treatment, valuation, loss mitigation, and AI-powered decisioning with a hands-on approach

• Exploring and implementing opportunities using Generative AI and Large Language Models (LLMs) to modernize operations in partnership with Technology.

• Communicating clear, actionable recommendations through dashboards, presentations, and storytelling to senior stakeholders

What you will need to succeed

This role is ideal for an innovative analytics leader ready to shape strategy, apply machine learning techniques, and make a visible impact in Servicing. The ideal candidate combines strong technical skills in data analytics, modeling and AI with vast experience in portfolio performance. They are proven team leaders who can recruit, mentor, and develop talent, and they excel at turning insights into decisions that influence senior leadership. Success in this role requires comfort with fast-paced, ambiguous environments, very strong business acumen in collections and servicing, and expertise in data infrastructure, automation, and performance measurement. They should also be skilled in building complex models, explaining business metrics, and teaching others to do the same.

To be eligible

• Bachelor’s degree in a quantitative or business field required; advanced degree (MS, MBA, etc.) strongly preferred

• 5+ years in analytics or strategy, including 2+ years leading teams.

• Experience creating and maintaining data science algorithms in business environments and designing and analyzing statistical tests.

• Deep working knowledge of Python, SQL, and cloud-based platforms (e.g., Azure); GitHub experience a plus

• Strong results focus, project management, & teamwork

• Ability to explain complex concepts and communicate business insights to the team, other managers, with similar and different business backgrounds, and Senior Executives alike.

Work Location and Arrangement: This role will be based out of the Kennesaw, GA Office and has a Hybrid work arrangement.

Work Authorization: Applicants must be currently authorized to work in the United States on a full-time basis. Sponsorship will not be considered for this specific role.

CarMax Core Values

The Strategy department tackles complex problems while striving to be a great representation of CarMax’s 4 core values:

Do the Right Thing: We prioritize maintaining the culture of integrity which has set CarMax apart in the used car industry, and promote a respectful and inclusive environment at work

Put People First: We’re focused on nurturing associate development and on maintaining a healthy work culture, while also making sure our customers are offered a great experience

Win Together: Teamwork is essential to what we do; we regularly learn from each other and draw on each other’s expertise and perspectives

Go for Greatness: We continually improve our abilities and the products that we support, to reinforce CarMax’s position as an industry leader

About CarMax

CarMax disrupted the auto industry by delivering the honest, transparent, and high-integrity experience customers want and deserve. This innovative thinking around the way cars are bought and sold has helped us become the nation’s largest retailer of used cars, with over 200 locations nationwide.

Our amazing team of more than 25,000 associates work together to deliver iconic customer experiences. Along the way, we help every associate grow their career and achieve their best, at work and in their community. We are recognized for our commitment to training and diversity and are one of the FORTUNE 100 Best Companies to Work For®.

Our Commitment to Diversity and Inclusion:

CarMax is committed to bringing together people from different backgrounds and perspectives, providing employees with a safe, welcoming, and inclusive work environment.

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.

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