Senior Risk Analyst

Join our team and be part of something truly transformational!

We are different.
Under the name of CareGard Warranty Services, Automotive Financial Group (AFG) was founded in 1994. Within the past 30 years AFG has become a leader in vehicle service contracts and protection products. Through partnerships with car dealerships, finance companies, and automotive manufacturers (OEM), CareGard has redefined the standards of service in the automotive industry. Driven by a profound mission to enhance the automotive landscape, CareGard has tirelessly worked towards nurturing talent and fostering a culture rooted in values of trust and reliability. Today, it stands as a titan among extended warranty providers, celebrated for its exceptional Google ratings and unwavering commitment to excellence.

Excellence is in our DNA.
At CareGard, we are always looking for the best talent on the planet. Our people have an ownership mentality in everything we do. We exude initiative, accountability, and an unyielding pursuit of excellence. Our culture is built on integrity, innovation, and passion. Together, these values create an atmosphere that allows us to surpass customer expectations and cultivate deep-seated relationships built on trust. As we chart our course through new and existing growth opportunities, we invite those who dare to dream, who are dedicated to becoming the finest versions of themselves, and who approach challenges with a visionary problem-solving mindset to grow with us.

Once in a Lifetime Opportunity.
We are growing every day. We are looking for the perfect Senior Risk Analyst to add to our incredible team. The Senior Risk Analyst is sharp and results-focused, and turns complex data into actionable strategies that protect revenue and improve profitability. In some ways, we are looking for a needle in a haystack. A difference-maker. Someone passionate, embodies unwavering reliability, critical thinking skills, and understands the importance of collaboration.

Lastly, we are looking for someone who is interested in being a part of something bigger than themselves. Someone who is more interested in joining a team than finding another job.

What’s next?
Are you the needle in the haystack we are looking for? If so, reach out immediately so we can call off our extensive search.

What’s next?
Are you the needle in the haystack we are looking for? If so, reach out immediately so we can call off our extensive search.

Responsibilities:

• Analyze vehicle class performance quarterly; provide pricing and risk adjustment recommendations.
• Collaborate with insurance carriers on pricing, program design, and risk-sharing agreements.
• Manage filings for state regulatory and lender approval.
• Conduct risk assessments across operational, financial, and compliance areas.
• Maintain risk registers and track emerging risks.
• Produce monthly performance reports and lead ad hoc analysis.
• Mentor junior analysts and partner with leadership on risk strategy

Minimum Qualifications:

• Bachelor’s in business, risk management, finance, or related field (Master’s a plus).
• 4–6 years in risk management, compliance, or analytical roles.
• Required: Actuarial, reinsurance, automotive TPA, and/or insurance carrier experience.
• Experience with state and lender rate filings.
• SQL proficiency a plus; strong Excel and BI tool skills required (Python/R a plus).
• Strong leadership, communication, and stakeholder management abilities.

Benefits offered:

• Professional Development
• Health/Dental/Vision insurance
• Company provided Life Insurance & Short-Term Disability
• Nine Paid Holidays
• Weekends off
• Paid Time off
• Employee Engagement & Birthday Celebrations