Credit Risk Controlling Analyst

Mercedes-Benz Group•Charlotte, NC

8d•Hybrid

About The Position

The Credit Risk Controlling Analyst is responsible for delivering accurate and timely reporting on credit risk performance for DTFS U.S. and Canada. This includes month-end reporting, analysis of actual results, and contributing to the development of financial forecasts. The role involves identifying and resolving issues related to credit risk reserving, loss metrics, and delinquency reporting. This position collaborates closely with teams across Fleet Workout, Collections, Remarketing, and Financial Reporting. The analyst will also participate in special projects and investigations that support overall DTFS performance. Compliance with ICS requirements is expected as relevant to assigned responsibilities.

Requirements

BS/BA in Business, Finance, or Accounting and prefer 5-7 years of relevant experience or 8 years of relevant experience in lieu of degree
Analytical skills: Ability to investigate discrepancies or issues in financial/credit data; strong analytical skills to identify trends, anomalies and drivers of risk
PC/Software skills: Microsoft Suite of products, proficient in working with data analysis, reporting and visualization tools
Attention to detail, customer focus, planning and organizing, problem solving and analysis, teamwork and collaboration

Nice To Haves

Understanding of credit risk KPIs (delinquencies, losses, recoveries, provisioning)
Knowledge of loss forecasting methodologies and credit risk provisioning (including IFRS 9 concepts)
Familiarity with portfolio performance metrics for fleet, dealer, and retail portfolios
SAP/SAS Software/advanced analytics experience
Strong Excel skills (pivot tables, advanced formulas, data manipulation)
Ability to summarize complex credit risk data in presentations and commentary

Responsibilities

Responsible for reporting credit risk KPIs, loss forecasting and provisioning
Month-end reporting including preparing monthly journal entries, updating spreadsheets, commentary
Support TM1/ MIF Template/Corporate Customer Report submissions
Participate in monthly Fleet SAC, Dealer SAC and Portfolio Performance Review meetings
Provide special reporting for troubled Fleet customers
Prepare monthly forecast and quarterly forecasts
Prepare annual credit risk forecast
Ad-hoc reporting and analysis of current loss and portfolio trends
Support special projects; credit loss mitigation, IFRS9 policies, CMS system testing
Support External Auditors, Financial Reporting and ICS requirements
Monthly results presentation slides
Maintenance of Credit Risk Tableau dashboard

Benefits

annual bonus program
401k company contribution with company match up to 8 % as well as non-elective company contribution of 3 - 7% depending on age
starting at 4 weeks paid vacation
13+ calendar holidays
8 weeks paid parental leave
employee assistance program
comprehensive healthcare plans and wellness programs
onsite fitness (at some locations)
tuition assistance and volunteer paid time off
short-term and long-term disability plans