Product Owner

Overview Who we are Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us. An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment. Who we are - TFS An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment. Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, TN, ‘job flexibility benefits’ (also known as I-140 or Adjustment of Status portability), etc. now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future. Who we’re looking for The role reporting to the National Manager of Credit and RV Loss Forecasting will serve as a technical project lead and liaison between the Risk business unit, Data Science, Data Engineering, and Data Stewardship teams. A core part of the role is to support the enhancement of statistical models used for Residual Value and Credit Loss forecasting by coordinating requirements, facilitating implementation, and ensuring the necessary data infrastructure is in place. This includes working with Data Engineering to improve or build data pipelines, source inputs, output tables, and supporting data structures that feed model development and downstream risk processes. In addition to model-support work, the role functions as the primary technical contact for Risk data inquiries and investigations. That includes responding to requests related to source data, data lineage, calculation logic, and data quality validation. The position also helps identify opportunities to improve existing workflows, analytical processes, and model-related operations, while partnering with business stakeholders and technical teams to execute those improvements. The ideal candidate, will require a blend of technical fluency, project management, and business acumen to ensure that risk data is accurate, traceable, and structured in a way that supports forecasting models and strategic decision-making. What you’ll be doing Lead enterprise and cross-functional initiatives across Risk, Data Science, Data Engineering, and Data Stewardship in support of forecasting, modeling, and risk data priorities. Independently define, coordinate, and drive business and technical requirements through implementation, ensuring alignment to strategic objectives and operational needs. Communicate complex technical concepts and business impacts clearly to senior stakeholders across functions Serve as a senior technical authority for risk data inquiries, investigations, enhancements, and issue resolution. Lead complex analysis of source data, lineage, calculation logic, and data quality to ensure accuracy, traceability, and integrity of risk information. Partner with data science teams to evaluate, prioritize, and implement enhancements to Residual Value and Credit Loss forecasting models. Collaborate with data engineering teams to design and improve data pipelines, table structures, model inputs, and downstream data dependencies. Work to ensure the supporting data environment is accurate, scalable, and fit for model development and operational use. Identify, influence, and help implement process and workflow improvements that strengthen forecasting effectiveness and operational efficiency. Drive sustainable solutions that improve model support, data management, and decision-making capabilities across the risk organization. Work with governance and stewardship stakeholders to maintain high standards for data quality, completeness, reliability, and fit-for-purpose use. Partner across business and technical teams to align priorities, address risks, and ensure solutions are implemented effectively and sustainably. Utilizing advanced written and verbal communication skills. What you bring Bachelor's degree in Analytics, Statistics, Finance, Accounting, Math, Computer Science, Economics, Engineering or similar analytical/ STEM field. Minimum of 5– 10 years of relevant work experience . Demonstrated experience leading cross functional project. Experience with best practices for data science and data engineering. Project management and presentation skills including proposing strategic recommendations to management and clearly articulating technical concepts to non-technical audiences. Experience working directly with engineering teams in an agile environment to ensure that what is built matches your vision in the most effective way. Extensive professional experience with both Excel and PowerPoint. Practical experience with the uses, development and deployment of statistical models. Experience with and the ability to engage technical audiences on the working level and to translate for executive stakeholders. Experience with and the ability to apply business acumen to technical and analytical challenges — understanding how data, models, and processes directly influence business performance, risk exposure, and strategic goals. Added bonus if you have Experience in automotive or consumer finance Advanced Degree Experience building products that involve regulatory or compliance considerations Experience with SOX controls Significant experience with data analysis tools (SQL, SAS, Python, Tableau). What we’ll bring During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include: A work environment built on teamwork, flexibility and respect Professional growth and development programs to help advance your career, as well as tuition reimbursement Team Member Vehicle Purchase Discount Toyota Team Member Lease Vehicle Program (if applicable) Comprehensive health care and wellness plans for your entire family Flextime and virtual work options (if applicable) Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute Paid holidays and paid time off Referral services related to prenatal services, adoption, childcare, schools and more Flexible spending accounts Belonging at Toyota Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong. Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law. Have a question, need assistance with your application or do you require any special accommodations? Please send an email to .