About Us: 

Who is Mercedes-Benz Financial Services?
Mercedes-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.  
 
Why work at Mercedes-Benz Financial Services?
Working 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. 

Benefits

When 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.  

As a new employee, you will have the opportunity to take advantage of the following benefits that go beyond – beginning day one:

Get Rewarded! Competitive salary plus an annual bonus based on company performance and/or personal yearly performance   

Need a vacation? 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!

Ride in Style - All employees are eligible to participate in the Mercedes-Benz Employee Lease Program

We want you to be healthy!  Outstanding medical, dental, and vision insurance, employer-paid short and long term disability plus on-site exercise facilities

Is your family growing?  Enjoy generous paid Family Leave Programs  - Six Weeks for New Parents; Adoption Expense Reimbursement Programs - up to $6k per child   

Want to go back to school?  Tuition Assistance Scholar Program - receive up to $8k in vouchers to complete business-related coursework

• $6k for undergraduate
• $8k for graduate

Job Overview:

The 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.
The 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.
 

Responsibilities:

1. Financial & Credit Risk Reporting (30%)

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.
Consolidate and submit monthly reporting to MBFS senior leadership and global HQ, ensuring accuracy and completeness of all credit risk components. (30%)

2. Forecasting & IFRS 9 ECL Modeling Support (30%)

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.
Prepare presentations, EBIT walks, portfolio trend decks, and other analysis packages for senior management review.
Provide portfolio‑level credit risk forecasts to Tax, Controlling, and HQ. (30%)

3. Pricing & Credit Risk Oversight (30%)

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. (30%)

4. Special Projects & Risk Initiatives (10%)

Support investigations and strategic initiatives focused on portfolio performance, credit policy impacts, ECL methodology enhancements, and data quality improvements.
Partner cross‑functionally with Risk, Controlling, Modeling, and Global teams on credit‑related projects. (10%)

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:

• American Payroll Association (APA)

• CPA preferred 

Additional Knowledge:

• 5+ years of experience in Finance, Credit Risk, Risk Management, or related analytical roles within financial services

  • Automotive captive experience strongly preferred.

     

• Hands‑on knowledge of IFRS 9 ECL methodology, staging criteria, PD/LGD/EAD concepts, and credit loss forecasting.
  • Experience working with retail auto, lease, and/or dealer lending portfolios.
  • Ability to query, extract, and analyze data using SAS, SQL, and/or Python (at least one required; multiple preferred).
  • Experience with data warehouse environments, Essbase, Cognos, and SAP is a plus.

  • Strong understanding of financial reporting, forecasting methodologies, and portfolio behavior analysis.

     

     

Skills:

• Analytical skills
  • Ability to collect data and establish facts and identify trends and variances
• PC skills
  • Microsoft Office
  • SAP
• Presentation skills
• Problem solving skills
• Project management skills
  • Project leader

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. . 

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