Risk Analyst

GM Financial reported net income of $432 million for the second quarter of 2026, down from $510 million in the same period last year. For the first half of 2026, net income totalled $946 million, compared to $1.0 billion in the previous year. Retail loan originations reached $10.0 billion in the quarter, up from $8.3 billion in the previous quarter but slightly above the $9.5 billion recorded in Q2 2025. Operating lease originations were $4.1 billion, down from $5.4 billion year-on-year. The company's delinquency rates increased, with accounts 31-60 days past due rising to 2.4% from 2.1% year-on-year. Annualised net charge-offs also climbed to 1.3% of average retail finance receivables from 1.1% in the prior year period.

RunBuggy + GM Financial: delivering secure, enterprise-grade access through SSO. Global finance companies operate in highly controlled environments where security, governance, and operational consistency are non-negotiable. Every platform must align with internal identity standards, cybersecurity policies, and identity lifecycle management processes - especially when working with third-party partners. That was the standard set by GM Financial. To meet it, GM Financial partnered with RunBuggy to implement a federated Single Sign-On (SSO) integration through its enterprise-grade identity platform. The result - seamless user access, centralized control, and enterprise-grade security - all without adding friction for business teams. This collaboration demonstrates what modern enterprise integration should look like. The business challenge: Extending enterprise identity to strategic partners. Large enterprises do not manage access on a system-by-system basis. They manage identity centrally - and every external application must operate within that framework. For GM Financial, that meant any third-party platform needed to integrate directly with its identity provider to ensure: * Centralized authentication and access governance * Enforcement of enterprise security controls, including Multi-Factor Authentication (MFA) * Consistent onboarding and offboarding of users * Reduced operational burden on IT and business teams Standalone credentials, custom login workflows, or fragmented access models were not acceptable. RunBuggy was a natural fit, functioning like any other trusted enterprise application - fully integrated into GM Financial's identity ecosystem. The solution: Federated SSO through GM Financial's environment. RunBuggy implemented a standardized federated SSO integration with GM Financial's security platform, allowing authentication to be handled entirely within GM Financial's existing identity infrastructure. Key elements of the solution included: * RunBuggy is provisioned within GM Financial's Identity Provider like any enterprise SSO application * Authentication is managed directly through GM Financial's security environment * MFA enforcement follows GM Financial's existing security policies * User access is governed through GM Financial-managed groups and lifecycle processes This approach ensures that identity, authentication, and access control remain fully under GM Financial's authority - while users experience seamless entry into the RunBuggy platform. Implementation: Alignment over customization. The integration was delivered through coordinated collaboration between GM Financial and RunBuggy teams, with a clear priority: align with existing enterprise identity standards rather than create new or specialized processes. The implementation followed a structured, high-level approach: * GM Financial defined identity, governance, and cybersecurity requirements * RunBuggy engineering prepared the platform for identity provider-based authentication * GM Financial's IT teams configured and tested the integration * Joint validation confirmed security, access control, and user experience By focusing on standard enterprise practices, both organizations ensured long-term scalability and maintainability. Cross-Functional collaboration. Enterprise identity integrations are never purely technical - they require coordination across security, IT, and business teams to succeed. At GM Financial, this effort involved collaboration among Consumer Services and the PMO, Cybersecurity Architecture, Identity and Access Management, as well as business stakeholders and end-user teams. On the RunBuggy side, Engineering, security leadership, and customer and technical stakeholders all played key roles. This cross-functional alignment ensured the solution met both operational and governance expectations. Results: Stronger security, simpler access, enterprise-ready scale. The results delivered stronger security, simpler access, and enterprise-ready scale. Authentication is fully managed within GM Financial's security platform, ensuring MFA enforcement remains consistent with enterprise policy while user access is centrally governed and auditable. Operational efficiency also improved, with users signing in using their existing enterprise credentials, reducing the need for manual administration through centralized identity management, and aligning onboarding and offboarding with standard lifecycle processes. At the same time, RunBuggy now operates like any other trusted enterprise application, with the platform fully supporting GM Financial's scale, governance, and security requirements. What this means for Global financial companies. For Global financial companies identity integration is not a convenience - it is a prerequisite for collaboration. By integrating RunBuggy with SSO, GM Financial achieved stronger security without increasing user friction, gained centralized visibility and control for IT and cybersecurity teams, and delivered a familiar, streamlined login experience for business users. The integration demonstrates how enterprise identity standards can extend across the supply chain, enabling secure collaboration while maintaining operational efficiency. About RunBuggy. RunBuggy is a technology platform that connects car shippers and haulers. RunBuggy allows shippers to seamlessly connect with their existing management systems to integrate car transportation services, reducing cost and improving time to deliver. For transporters, RunBuggy offers an alternative to expensive load boards and custom software solutions to better find and manage transportation loads.