%3Cdiv style=%22border-width:100%;direction:ltr;%22%3E%3Cdiv style=%22direction:ltr;margin-left:0in;margin-top:0in;width:6.5381in;%22%3E%3Cdiv style=%22direction:ltr;margin-left:0in;margin-top:0in;width:6.5381in;%22%3E%3Cp style=%22font-family:Arial;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3EAbout Us:%26nbsp;%3C/strong%3E%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Arial;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3EWho is Mercedes-Benz Financial Services?%3C/strong%3E%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EMercedes-Benz Financial Services, part of the global company Mercedes-Benz Mobility AG is the captive financing and mobility solutions company of the global luxury automobile manufacturer, Mercedes-Benz AG. We offer a comprehensive range of automotive financial and insurance products that make it easy for our customers to drive their dream Mercedes-Benz vehicle. %26nbsp;%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%26nbsp;%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3EWhy work at Mercedes-Benz Financial Services?%3C/strong%3E%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EWorking at Mercedes-Benz Financial Services is more than a job – it’s an opportunity to join an innovative team where you are valued for your contributions. As an employee, you will experience career development in a positive, employee-centric environment. We’re a global company that not only offers best-in-class products to our customers but also best-in-class benefits to our employees. Our employees experience a comfortable, friendly environment and relaxed, inclusive culture.%26nbsp;%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3EBenefits%3C/strong%3E%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EWhen working at Mercedes-Benz Financial Services, you will enjoy a comprehensive and amenity-rich benefits package offering something for every employee at each stage of their life.%3Cspan style=%22mso-spacerun:yes;%22%3E%26nbsp;%26nbsp;%3C/span%3E%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cspan style=%22mso-spacerun:yes;%22%3E%26nbsp;%3C/span%3E%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EAs a new employee, you will have the opportunity to take advantage of the following benefits that go beyond – beginning day one:%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%26nbsp;%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3EGet Rewarded!%3C/strong%3E Competitive salary plus an annual bonus based on company performance and/or personal yearly performance%3Cspan style=%22mso-spacerun:yes;%22%3E%26nbsp;%26nbsp;%26nbsp;%3C/span%3E%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%26nbsp;%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3ENeed a vacation?%3C/strong%3E How about just some time for YOU! In addition to our vacation time, you’ll receive fifteen (15) additional corporate holidays, which will allow you to celebrate religious holidays or escape to the spa! Designed to be flexible, we let you decide which days are most important to you!%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%26nbsp;%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3ERide in Style%3C/strong%3E - All employees are eligible to participate in the Mercedes-Benz Employee Lease Program%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%26nbsp;%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3EWe want you to be healthy!%3C/strong%3E%3Cspan style=%22mso-spacerun:yes;%22%3E%26nbsp; %3C/span%3EOutstanding medical, dental, and vision insurance, employer-paid short and long term disability plus on-site exercise facilities%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%26nbsp;%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3EIs your family growing?%3C/strong%3E%3Cspan style=%22mso-spacerun:yes;%22%3E%3Cstrong%3E%26nbsp;%3C/strong%3E %3C/span%3EEnjoy generous paid Family Leave Programs%3Cspan style=%22mso-spacerun:yes;%22%3E%26nbsp; %3C/span%3E- Six Weeks for New Parents; Adoption Expense Reimbursement Programs - up to %246k per child%3Cspan style=%22mso-spacerun:yes;%22%3E%26nbsp;%26nbsp;%26nbsp;%3C/span%3E%3C/span%3E%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%26nbsp;%3C/p%3E%3Cp style=%22font-family:Calibri;font-size:11.0pt;margin:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%3Cstrong%3EWant to go back to school?%3C/strong%3E%3Cspan style=%22mso-spacerun:yes;%22%3E%26nbsp; %3C/span%3ETuition Assistance Scholar Program - receive up to %248k in vouchers to complete business-related coursework%3C/span%3E%3C/p%3E%3Cul style=%22direction:ltr;margin-bottom:0in;margin-top:0in;unicode-bidi:embed;%22 type=%22disc%22%3E%3Cli style=%22margin-bottom:0;margin-top:0;vertical-align:middle;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%246k for undergraduate%3C/span%3E%3C/li%3E%3Cli style=%22margin-bottom:0;margin-top:0;vertical-align:middle;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E%248k for graduate%3C/span%3E%3C/li%3E%3C/ul%3E%3C/div%3E%3C/div%3E%3C/div%3E%3Cp style=%22font-family:Arial;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EJob Overview:%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EThe Senior Financial Analyst is responsible for overseeing and supporting the development of credit‑risk–related financial forecasts, IFRS 9 Expected Credit Loss (ECL) modeling inputs, and monthly performance reporting for Mercedes‑Benz Financial Services (MBFS). This role evaluates actual results versus plan, analyzes portfolio performance, prepares credit‑related journal entries, and ensures accurate reporting of credit risk impacts across the retail, lease, and dealer portfolios of an automotive finance captive.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EThe ideal candidate brings strong credit risk expertise, working knowledge of IFRS 9, experience with loss forecasting, and technical proficiency in SAS, SQL, and/or Python. This role also supports special projects focused on credit performance, provisioning, model enhancements, and cross‑functional risk initiatives.%3C/span%3E%3Cbr%3E%26nbsp;%3C/p%3E%3Cp style=%22font-family:Arial;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EResponsibilities:%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E1. Financial %26amp; Credit Risk Reporting (30%)%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EPrepare monthly actual performance reporting including IFRS 9 ECL movements, delinquency and loss trends, and credit risk KPIs.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EProduce and validate key credit risk journal entries, including ECL adjustments, portfolio reclassifications, match‑funded interest, and other risk‑related accounting items.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EComplete monthly yield analysis, risk‑adjusted performance metrics, and close‑related updates.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EConsolidate and submit monthly reporting to MBFS senior leadership and global HQ, ensuring accuracy and completeness of all credit risk components. (30%)%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E2. Forecasting %26amp; IFRS 9 ECL Modeling Support (30%)%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3ELead development of monthly credit loss forecasts, incorporating IFRS 9 Stage 1–3 transitions, portfolio behavior, macroeconomic scenarios, and loss‑model output.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3ESupport annual planning and operative plan cycles by updating credit risk drivers, balance sheet impacts, and income statement provisioning.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EPrepare presentations, EBIT walks, portfolio trend decks, and other analysis packages for senior management review.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EProvide portfolio‑level credit risk forecasts to Tax, Controlling, and HQ. (30%)%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E3. Pricing %26amp; Credit Risk Oversight (30%)%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3ECollaborate with the team responsible for consumer and dealer pricing models, ensuring credit risk assumptions, loss expectations, and acquisition risk align with MBFS policies and profitability goals.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EValidate bill rates, margin assumptions, and model inputs with a focus on risk‑adjusted returns.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EEnsure acquisition risk profiles align with MBFS’s target customer portfolio and risk appetite. (30%)%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3E4. Special Projects %26amp; Risk Initiatives (10%)%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3ESupport investigations and strategic initiatives focused on portfolio performance, credit policy impacts, ECL methodology enhancements, and data quality improvements.%3C/span%3E%3Cbr%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:12px;%22%3EPartner cross‑functionally with Risk, Controlling, Modeling, and Global teams on credit‑related projects. (10%)%3C/span%3E%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E
Qualifications:
Applicants must be legally authorized to work in the U.S. at the time of application. Relocation assistance will be provided for this position.
This position requires a minimum of 5+ years of overall work experience. Preferred experience includes:
- Accounting: 8 years
- Business-General: 5 years
- Credit: 5 years
- Finance: 5 years
- Risk Management: 8 years
Education:
Bachelor's Degree is required. Master's Degree is preferred. Recommended majors include:
- Accounting
- Finance
- Economics
Licenses or certifications:
Additional Knowledge:
- 5+ years of experience in Finance, Credit Risk, Risk Management, or related analytical roles within financial services
- Hands‑on knowledge of IFRS 9 ECL methodology, staging criteria, PD/LGD/EAD concepts, and credit loss forecasting.
Skills:
- Analytical skills
- Ability to collect data and establish facts and identify trends and variances
- PC skills
- Presentation skills
- Problem solving skills
- Project management skills
Additional Skills:
- Strong analytical and quantitative skills with ability to interpret complex credit risk data.
- Proficiency in SAS, SQL, Python, and advanced Excel.
- Ability to translate data insights into clear recommendations for senior leadership.
- Strong presentation skills and experience developing executive‑level reporting.
- Ability to integrate and validate data across multiple systems.
- Problem‑solving mind‑set with strong attention to detail.
Recommended Prerequisites:
- Previous experience in Credit Risk, Financial Planning & Analysis, Risk Modeling, or Controlling.
Experience in an automotive finance captive environment strongly preferred.
Mercedes-Benz Financial Services offers competitive salary, performance-based bonuses and a full suite of benefits including 401(K) with match, generous vacation and personal time, a Mercedes-Benz car program as well as flexible work arrangements. .
EEO/Minorities/Females/Disabled/Vets
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