Senior Financial Analyst – Controlling (Credit Risk & IRFS 9)

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

Tagged as: Forecasting, Python, SQL