Manager - Credit Analyst (Corporate and Dealer)

Group: Mercedes-Benz Group AG

Description

Conduct credit underwriting and support approval activities across borrower segments, with an appropriate level of supervision and delegated authority.

For Retail Credit:

• To make proper credit decision on solid rational and full compliance with Local Credit Guidelines and work instructions, as well as limited TAT as target setting
• As part of process, to verify the correctness and completeness of mandatory documents required before proceeding credit assessment which include data verification, sanction, AML & fraud characteristics check, review Credit Platform (Scoring Engine) decision, NCB information, source of income, debt servicing ability

For Dealer & Corporate:

• To identify risk, interpret complicated financial information and assess customers’ credit worthiness and ability to service debts as well as appropriate risk mitigation and Credit Rating before providing credit recommendation / first decision to the management & Local Credit Committee via comprehensive credit write-up either for new request/ annual review/ debt restructuring / dealer inquiry(s). Also, to ensure high quality of credit evaluation in CRD and efficient fleet TAT
• To clarify unclear points and necessary clarifications on credit-related topics/tools with HQ Credit to fully comply with Credit Rules & Product Rules
• To issue & manage returned signoff (dealer’s acceptance) on Commitment letter, Offering letter, as required per pre-defined process or borrower’s request
• To manage the approved credit line, credit rating, customer type for CD/CF accounts in WFS & CMS upon annual credit review/change

• To properly communicate and co-ordinate with Sales team and (Floorplan) Ops and Legal to issue and distribute relevant credit documents and Agreement(s) to relevant parties in timely manner

• Coordinate and help resolve credit-related questions or differing views with Sales (F&I, DRM) and other responsible teams; seek guidance when needed and provide practical support to promote a smooth, controlled process

  - Able to identify system errors and co-ordinate with IT/responsible teams to get problem solving on system bugs, Credit Platform, etc.

  - To set & manage job priority on both planned credit review, new requests, and retail credits (e.g. high volume) and efficiently deliver credit approval/credit applications within expected TAT

  - To manage Credit Admin to provide team support eg. Data search, credit filing and document scanning, and reports, etc.

• To ensure accuracy of data input/issuance under credit responsible area, including

  - Customer’s info in POS/CAP

  - Terms and conditions of the financed assets are in line with the approved credit facilities and fulfilled before actual credit drawdown or contract activation

  - Fraud characteristics / documents

  - Commitment letter / Offering letter, etc.

• To keep knowledge of all key issues up-to-date and ensure full compliance to MBFS Credit Rules and relevant regulations, etc. and support process improvement

  ACDR and digitalization mindset

  - Support team to have smooth routine jobs and align to the KPIs and company targets

  - Support sharing/ leading discussion on new/changing risk factors, lending criteria, any impact on Business Policy Rules, process improvement in team meeting, or as scheduled

  - Share knowledge and lesson learnt with team members; experienced job holders may also provide on-the-job coaching on retail credit underwriting and applicable rules and regulations

• To support preparing Credit reports, special project(s), and/or other assignments, including

  - System testing on Ascent CAP/CMS/WFS, Credit Rating, Scoring etc.

  - To prepare & deliver Credit-related reports as part of risk monitoring and upon request

  - HQ’s project/initiatives

  - If possible, to support/co-ordinate with HQ team on the review process and strategy on Scorecard/Scoring engine/Business Policy rules, ACDR, ACDP, etc.

Qualifications

Education

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, Data Analytics, or another relevant field. A Master’s degree or MBA is an advantage

Experience

• Open to early-career candidates, experienced professionals, and internal rotation applicants. Relevant exposure may come from credit, risk, finance, accounting, collections, operations, or other roles demonstrating strong analytical and control awareness

• Credit or automotive-finance experience is an advantage. Candidates from other backgrounds should demonstrate learning agility, sound judgement, numerical confidence, and willingness to complete structured credit training

Competencies

• Analytical curiosity, attention to details, and the ability to investigate information and form well-reasoned conclusions
• Demonstrates a digital mindset with adaptability to emerging technologies, AI, and hybrid working environments
• Sound judgement, integrity, organization, and effective time management
• Proactive in problem-solving, with a focus on maintaining service excellence and operational efficiency
• Results-driven and decisive, with the ability to perform effectively under pressure and tight deadlines
• Learning agility, accountability, and the ability to work independently as competence develops, while collaborating effectively with the team
• Commitment to learning and consistently applying Credit Rules, policies, procedures, and control requirements

Technical knowledge

• Strong command of English in both written and spoken communication
• Effective communication and presentation skills, suitable for both operational and management-level discussions
• Advanced IT and numerical proficiency, including MS Office applications (Excel, PowerPoint), MS Teams, and AI tools
• Foundational knowledge of financial analysis or risk assessment, or the demonstrated ability to develop it through structured training
• Experience with credit systems such as Ascent WFS and CAP/CMS is an advantage; training can be provided

Organization: Mercedes-Benz Leasing (Thailand) Co., Ltd.

Primary Location: Thailand-Bangkok-Bangkok

Work Locations: Mercedes-Benz Leasing, 11/1, South Sathorn Road, 21st Floor 11, South Sathon Road, 21st Floor Yannawa, Sathon 10120