Manager - Credit Analyst (Corporate and Dealer)

Mercedes-Benz Mobility (Thailand) Co., Ltd.

Bangkok, Thailand

Job Type Full-time

Posted 1 week 3 days ago

Tasks

Conduct credit underwriting and support approval activities across borrower segments, with an appropriate level of supervision and delegated authority.
For retail credit, make proper credit decisions based on sound rationale and compliance with local credit guidelines and work instructions, while meeting target turnaround times.
Verify the correctness and completeness of mandatory documents before credit assessment, including data verification, sanctions, AML and fraud checks, Credit Platform decisions, NCB information, income sources, and debt-servicing ability.
For dealer and corporate credit, identify risks, interpret complex financial information, assess creditworthiness and debt-servicing ability, determine appropriate risk mitigation and credit ratings, and provide recommendations or first decisions to management and the Local Credit Committee.
Prepare comprehensive credit write-ups for new requests, annual reviews, debt restructuring, and dealer inquiries, while ensuring high-quality credit evaluation and efficient fleet turnaround times.
Clarify credit-related topics and tools with HQ Credit and ensure compliance with Credit Rules and Product Rules.
Issue and manage returned sign-offs, commitment letters, and offering letters according to defined processes or borrower requests.
Manage approved credit lines, credit ratings, and customer types for CD/CF accounts in WFS and CMS following annual credit reviews or changes.
Coordinate with Sales, Floorplan Operations, and Legal to issue and distribute credit documents and agreements in a timely manner.
Resolve credit-related questions and differing views with Sales and other responsible teams, and provide practical support for a smooth, controlled process.
Identify system errors and coordinate with IT or responsible teams to resolve system bugs and Credit Platform issues.
Set and manage priorities across planned credit reviews, new requests, and high-volume retail credits, delivering approvals within expected turnaround times.
Manage Credit Administration support for data searches, credit filing, document scanning, and reporting.
Ensure accurate data input and issuance for customer information, financed-asset terms, fraud characteristics, commitment letters, offering letters, and related credit documentation.
Maintain current knowledge of key issues, comply with MBFS Credit Rules and relevant regulations, and support process improvement.
Support routine team activities, KPIs, company targets, discussions on risk factors and lending criteria, process improvements, knowledge sharing, and on-the-job coaching.
Support credit reports, special projects, system testing, risk-monitoring reports, HQ initiatives, and reviews of scorecards, scoring engines, Business Policy Rules, ACDR, and ACDP.

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 include credit, risk, finance, accounting, collections, operations, or other roles demonstrating analytical and control awareness. Credit or automotive-finance experience is an advantage.

Competencies and technical knowledge

Analytical curiosity, attention to detail, sound judgment, integrity, organization, and effective time management.
Digital mindset with adaptability to emerging technologies, AI, and hybrid working environments.
Proactive problem-solving, service excellence, operational efficiency, and the ability to work under pressure and tight deadlines.
Learning agility, accountability, independent working ability, and effective collaboration.
Commitment to applying Credit Rules, policies, procedures, and control requirements.
Strong written and spoken English, communication and presentation skills, advanced IT and numerical proficiency, and knowledge of Excel, PowerPoint, Teams, and AI tools.
Foundational financial analysis or risk-assessment knowledge, or the ability to develop it through structured training.
Experience with Ascent WFS and CAP/CMS is an advantage; training can be provided.