Full-Time
Senior Credit Risk Analyst
Posted on 3/21/2025
Global Lending Services
501-1,000 employees
Provides auto loans via real-time approvals
No salary listed
Greenville, SC, USA
Hybrid
Hybrid position requiring some in-office presence.
 Finance & Banking (1) |
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- Minimum of a Bachelor’s degree required (Statistics, Mathematics, Economics, Finance, Engineering, or a related field)
- Minimum of three (3) years’ experience in an analytical environment required
- Strong data reporting and advanced analytics competencies and database query capabilities
- Proven ability to think strategically and deliver tactically, shaping key initiatives, prioritizing, and translating into projects with clear and proper prioritization, planning, and delivery
- Strong interpersonal skills: positive ability to influence others, effectively manage/resolve conflict, exercise sound judgment, effectively manage highly sensitive and confidential information, interact at all levels within the organization, and build cross-functional partnerships across the business
- Strong oral and written communication skills
- Ability to adapt in a fast paced and changing environment
- Commitment to exemplifying the organizational core values and key competencies
- Develop and lead analytics initiatives to drive improvements and modifications to GLS business practices, such as automated decision rules, customer treatments, and operational practices.
- In Product or Credit Risk Management areas this may include assessments/tracking/adherence of GLS Credit Policy and Pricing/Structuring Algorithms through rigorous analysis along the dimensions of risk, estimation, and forecasting of default probability, market elasticity, and internal cost efficiencies.
- Communicate and present analytical findings to management
- Maintain a strong comprehensive understanding of competitiveness relative to key industry drivers
- Maintain electronic records and files that support work performed, results, and outcomes
- Function within and in adherence to company credit standards, controls and governance, compliance policies and procedures; develop policies and procedures to govern the business area
- Serve as key customer and development partner for data environments, decision systems
- May exercise management authority concerning staffing, performance feedback, talent development, promotions, salary recommendations, and terminations
- Foster a collaborative culture that facilitates the achievement of business plan objectives by working closely with other associates and members of management
- Perform additional assignments as required by the needs of the company or as directed by management
Global Lending Services (GLS) provides auto loan financing for customers across the United States, with a focus on people who may not have prime credit. It partners with more than 13,000 dealerships and uses real-time decisioning technology to approve loans in seconds, streamlining the car-buying process. GLS earns revenue from interest and fees on its loans and emphasizes ongoing customer service and relationship management throughout the life of the loan. The company differentiates itself by offering inclusive credit access, a large dealership network, fast, on-the-spot approvals, and a commitment to ethical practices and a diverse workplace. Its goal is to make car ownership accessible and affordable for a broad range of customers while maintaining reliable service and responsible lending.
Company Size
501-1,000
Company Stage
N/A
Total Funding
N/A
Headquarters
Greenville, South Carolina
Founded
2011
Simplify's Take
What believers are saying
- Sixth Street acquisition in October 2025 expands GLS $9.9B portfolio via capital markets.
- GLS raised $1.1B GCAR 2026-2 notes with 56% Class A enhancement through 2033.
- CarGurus platform boosts GLS leads, converting 41% higher than non-prequalified.
What critics are saying
- Chase entry on CarGurus January 2026 steals GLS digital origination volume.
- GCAR 2026-1 574 FICO and 16.9% loss assumption trigger delinquencies by 2027.
- Sixth Street integration disrupts GLS underwriting and dealer ties in 2026.
What makes Global Lending Services unique
- GLS specializes in subprime auto loans with real-time decisioning for 19,000 dealerships.
- GLS originated $22 billion in loans since 2012, serving over 1 million customers.
- GLS multichannel strategy partners with franchise and independent dealers nationwide.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Disability Insurance
401(k) Retirement Plan
401(k) Company Match
Unlimited Paid Time Off
Paid Volunteer Time Off
Professional Development Budget
Parental Leave
Company News
GCAR Auto Receivables Issuer Trust is raising $907.7 million through asset-backed securities collateralised by subprime auto loans originated by Global Lending Services. The GCAR 2026-1 deal comes four months after Sixth Street Partners acquired Global Lending Services from Sound Point Capital Management. The collateral pool comprises primarily used vehicles (83.5%), with loans having a weighted-average FICO score of 574 and annual percentage rate of 20.6%. This prompts a cumulative net loss assumption of 16.9%, according to Morningstar DBRS. Initial overcollateralisation stands at 3.55% of the pool balance. Total initial credit enhancement increased to 11.40% for class D notes from 11.25% in the previous series, whilst decreasing for classes B, C and E. The notes received ratings from S&P, KBRA and DBRS.
Subprime lender Global Lending Services to be acquired by Sixth Street. GLS' portfolio totals $9.9B. Subprime auto lender Global Lending Services announced today that global investment firm Sixth Street will acquire it, pending regulatory approval. GLS has eyed the market for the "last several months," Chief Executive Steve Thibodeau told Auto Finance News, noting that Sixth Street had "greater breadth in the capital markets." Sixth Street "has access to lender [...]
Equipment finance company Odessa has entered the auto industry. The company has launched an originations platform called Odessa Auto and plans to grow it into a full-service end-to-end auto finance suite, Odessa said in a Wednesday (April 24) press release. “Odessa’s deep asset finance experience enables the company to offer state-of-the-art auto origination technology on Day 1,” Robert Johnson, executive vice president of auto finance at Odessa, said in the release. “Moreover, the easily configurable platform enables lenders of all sizes to meet their origination needs without custom development.”
Chase has joined CarGurus’ multilender financing platform, expanding options for consumers looking to prequalify for auto financing online.The bank joins Capital One, Global Lending Services and Westlake Financial as a participating lender on the online automotive platform, CarGurus said in a Monday (Jan. 29) press release.With over 70% of car shoppers wanting to handle more of the car buying process from home, CarGurus recognizes the importance of offering finance-based shopping tools, according to the release.By prequalifying for financing through CarGurus’ platform, consumers can access personalized rates and monthly payment scenarios within minutes, without impacting their credit scores, the release said.This allows them to better understand their budget earlier in their shopping journey, per the release. Prequalified shoppers can then review vehicles with their rates and monthly payments on listings available through dealerships that offer Chase financing.“By prequalifying with Chase early in the process, we hope to give shoppers on CarGurus confidence in their buying power,” Anuj Jain, head of auto product and consumer services at Chase, said in the release.The partnership between CarGurus and Chase not only benefits consumers but also helps dealers deliver a seamless and efficient customer experience, according to the press release. Prequalified leads through CarGurus have shown to be 41% more likely to close compared to leads that aren’t prequalified or financed.The program is available nationwide through the more than 9,000 dealerships that work with both CarGurus and Chase, per the release.“CarGurus partnership with Chase demonstrates our shared vision to equip shoppers with the tools needed to make an informed purchase with confidence and ease, while also helping dealers deliver on their goals for a seamless and efficient customer experience,” Gerard Murphy, vice president of product, digital retail, at CarGurus, said in the release.In another recent development in this space, Bank of America said in November that it debuted tools to help customers complete and finance online car purchases. With these tools, clients can become prequalified for auto financing to find out how much they may be able to borrow and estimate their terms.In September, FinTech company Carputty added artificial intelligence (AI) solutions to its auto financing platform, saying that this technology makes for faster, more transparent and less subjective decisions
GLS Auto Receivables raises $325.6 million in subprime auto ABS.