We’re seeking a Senior Financial Analyst to oversee and support 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. The ideal candidate has strong credit risk expertise, working knowledge of IFRS 9, experience with loss forecasting, and technical proficiency in SAS, SQL, and/or Python.
Requirements
- Prepare monthly actual performance reporting including IFRS 9 ECL movements, delinquency and loss trends, and credit risk KPIs.
- Produce and validate key credit risk journal entries, including ECL adjustments, portfolio reclassifications, match-funded interest, and other risk-related accounting items.
- Complete monthly yield analysis, risk-adjusted performance metrics, and close-related updates.
- Lead development of monthly credit loss forecasts, incorporating IFRS 9 Stage 1–3 transitions, portfolio behavior, macroeconomic scenarios, and loss-model output.
- Support annual planning and operative plan cycles by updating credit risk drivers, balance sheet impacts, and income statement provisioning.
- Collaborate 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.
- Validate bill rates, margin assumptions, and model inputs with a focus on risk-adjusted returns.
- Ensure acquisition risk profiles align with MBFS’s target customer portfolio and risk appetite.
Benefits
- Competitive salary
- Performance-based bonuses
- 401(K) with match
- Generous vacation and personal time
- Mercedes-Benz car program
- Flexible work arrangements
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