Who we are looking for:

Reporting to the GM ACV Capital, the VP, Capital Operations and Risk will be the end-to-end owner of all operations and risk management activities for ACV Capital. This position is responsible for overseeing end-to-end operational performance, ensuring robust risk management, and optimizing the financial and credit health of the floorplan portfolio. This leader drives operational efficiency and accuracy, develops scorecards and analytics, and maintains strong dealer relationships while safeguarding asset quality. Lead the creation of score cards for dealer lifecycle management leveraging data and analytics from both within ACV Auctions and third parties. As a member of ACV Capital leadership, you will be an integral part of product development and innovation to support significant growth of portfolio and customer base. Exposure to key stakeholders including senior leadership and investors given deep insights into portfolio management and profitability.

What you will do:

• Oversees daily operations and will be accountable for the performance, contributions and service levels for the operations department.
• Monitors daily processing of work performed by internal team to ensure deadlines are met, goals are accomplished, and in compliance with policies
• Directly responsible for staffing including resource need allocation based on forecasted growth
• Own the development and execution of ACV Capital’s operational policies and procedures, including exception authorities, balancing risk exposure with customer experience and retention.
• Collaborate with other senior leaders cross-functionally to ensure we are appropriately representing and serving our customers both internally and externally.
• Coach and develop members of the Capital Operations team, promoting ACV culture and supporting the growth plans for ACV Capital while driving adoption of best practices, newly developed policies and procedures while gaining process efficiencies.
• Play a key stakeholder role in the continued digitization, automation, and modern solutions architecture of all operational processes
• Serve as a subject matter expert for Product & Tech development, providing requirements for back-office operations and dealer facing support tools.

• Own end-to-end risk strategy and portfolio management to drive sustainable growth of the portfolio
• Develop early warning systems with insights into dealer behavior to identify deterioration and expedite recovery efforts
• Regularly analyze the loan portfolio to identify trends, concentrations, and emerging risks.
• Ensure inventory audits are performed timely and accurately balancing risk and dealer experience.
• Manage high-risk accounts, define and manage exceptions, and guide workout or recovery strategies.
• Lead forecasting, stress testing, and scenario planning based on economic and industry conditions.
• Ensure lending practices comply with regulatory standards such as Fair Lending (e.g. ECOA), Truth in Lending Act (TILA)
• Support product development efforts by identifying key risks and mitigants and defining policies and procedures for growing product suite and use cases
• Partner closely with Credit, Sales, and Finance to balance growth objectives with prudent risk management.
• Establish Risk Committee for Capital with key stakeholders including senior leadership as well as investors to support portfolio funding needs via securitization
• Advise senior leadership on strategic risk decisions, especially regarding new lending products or markets.
• Present portfolio performance, risk trends, and recommendations to senior leadership and the board of directors.

• Build and maintain performance dashboards, dealer scorecards, and operational KPIs.
• Use analytics to detect early warning indicators, operational bottlenecks, and underwriting opportunities.
• Partner with technology and data teams to enhance risk models and decisioning tools.
• Oversee the development and validation of risk models (e.g. probability of default, loss given default).

• Foster a culture of operational excellence, data-driven decision-making, and continuous improvement.
• Provide leadership and direction to team members, allocating resources and setting strategic direction and priorities.
• Lead and mentor a team of risk analysts, portfolio managers, and auditors, fostering a culture of accountability and continuous improvement.
  
  

Qualifications

• 12+ years of experience in floorplan lending, commercial lending, auto finance, or asset-based lending.
• Deep understanding of collateral-based lending, dealer operations, inventory management, and credit risk.
• Strong analytical skills with experience in KPIs, dashboards, scorecards, and risk modeling.
• Proven leadership experience managing multi-functional teams.
• Excellent communication, negotiation, and decision-making abilities.
• Bachelor’s degree in Business, Finance, or related field; MBA preferred.

Compensation: $230,000.00 - $280,000.00 annually. Please note that final compensation will be determined based upon the applicant's relevant experience, skillset, location, business needs, market demands, and other factors as permitted by law.

No immigration or work visa sponsorship will be provided for this position.

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