Senior Financial Analyst - Controlling

The Senior Financial Analyst - Controlling plays a critical role in credit risk forecasting, IFRS 9 Expected Credit Loss (ECL) analytics, and financial performance reporting. This role supports retail, lease, and dealer portfolios by ensuring accurate measurement, forecasting, and reporting of credit risk across monthly close, planning cycles, and strategic initiatives.

This position blends deep credit risk expertise with advanced analytics and financial controlling to assess portfolio performance, support provisioning and pricing decisions, and deliver clear, actionable insights to senior leadership and global stakeholders. The ideal candidate brings strong experience in credit risk and loss forecasting, along with handson analytical skills using tools such as SAS, SQL, and/or Python.

Key Responsibilities

Financial & Credit Risk Reporting (30%)

• Prepare, validate, and analyze monthly credit risk performance reporting, including IFRS 9 ECL movements, delinquency trends, loss performance, and key risk KPIs.
• Produce and post creditrelated journal entries, including ECL adjustments, portfolio reclassifications, matchfunded interest, and other riskrelated accounting items.
• Perform monthly yield analysis and evaluate riskadjusted portfolio performance.
• Consolidate and deliver accurate reporting packages to senior leadership and global stakeholders.

Forecasting & IFRS 9 ECL Support (30%)

• Lead the development of monthly credit loss forecasts, incorporating IFRS 9 staging (Stages 1-3), macroeconomic inputs, portfolio behavior, and model outputs.
• Support annual and operational planning cycles by updating risk drivers, balancesheet impacts, and incomestatement provisioning.
• Prepare executivelevel materials, including portfolio trend analyses, EBIT walk analyses, and forecasting presentations.
• Provide portfoliolevel credit risk forecasts to Controlling, Tax, and global finance partners.

Pricing & Credit Risk Oversight (30%)

• Partner closely with pricing and modeling teams to ensure credit risk assumptions are accurately reflected in consumer and dealer pricing models.
• Validate loss expectations, acquisition risk profiles, margin assumptions, and riskadjusted returns.
• Ensure pricing strategies align with overall risk appetite, profitability objectives, and portfolio strategy.

Special Projects & Risk Initiatives (10%)

• Support adhoc analyses and strategic initiatives related to credit performance, portfolio trends, ECL methodology enhancements, and data quality improvements.
• Collaborate crossfunctionally with Risk, Modeling, Controlling, and global teams on creditrelated projects and initiatives.

Decision Making & Influence

• Ensure the accuracy, integrity, and credibility of all credit risk forecasts and financial reporting with direct EBIT impact.
• Manage timelines and deliverables for critical reporting and forecasting processes.
• Influence credit risk assumptions used across pricing, forecasting, and portfolio strategy decisions.

Required Qualifications

Education

• Required: Bachelor's degree in Accounting, Finance, Economics, Business Administration, or a related field
• Preferred: Master's degree in Finance, Economics, or Business Administration
• Preferred Certification: CPA (or progress toward CPA)

Experience

• 5+ years of experience in Finance, Credit Risk, Risk Management, FP&A, or related analytical roles
• Strong handson experience with IFRS 9 ECL methodology, including PD/LGD/EAD concepts, staging, and credit loss forecasting
• Experience supporting retail auto, lease, and/or dealer lending portfolios strongly preferred
• Automotive or captive finance experience is highly desirable

Technical Skills

• Strong proficiency in SQL (required); experience with SAS and/or Python strongly preferred
• Advanced Excel and financial modeling skills
• Experience working with data warehouse environments; SAP, Essbase, or Cognos experience is a plus
• Proven ability to extract, validate, and integrate data across multiple systems

Core Competencies

• Strong analytical and quantitative problemsolving skills
• Ability to translate complex credit risk data into clear insights and actionable recommendations
• Excellent written, verbal, and presentation skills, including executivelevel communication
• High attention to detail, sound judgment, and the ability to operate independently in an expert individualcontributor role
• Proven ability to collaborate effectively across departments and with global stakeholders

EEO Employer

ApexSystemsisanequalopportunityemployer.Wedonotdiscriminateorallowdiscriminationonthebasisofrace,color,religion,creed,sex(includingpregnancy,childbirth,breastfeeding,orrelatedmedicalconditions),age,sexualorientation,genderidentity,nationalorigin,ancestry,citizenship,geneticinformation,registereddomesticpartnerstatus,maritalstatus,disability,statusasacrimevictim,protectedveteranstatus,politicalaffiliation,unionmembership,oranyothercharacteristicprotectedbylaw.Apexwillconsiderqualifiedapplicantswithcriminalhistoriesinamannerconsistentwiththerequirementsofapplicablelaw.Ifyouhavevisitedourwebsiteinsearchofinformationonemploymentopportunitiesortoapplyforaposition,andyourequireanaccommodationinusingourwebsiteforasearchorapplication,pleasecontactourEmployeeServicesDepartmentat [email protected] or844-463-6178.


Everforth Apex is a world-class IT services company that serves thousands of clients across the globe. When you join Everforth Apex, you become part of a team that values innovation, collaboration, and continuous learning. We offer quality career resources, training, certifications, development opportunities, and a comprehensive benefits package. Our commitment to excellence is reflected in many awards, including ClearlyRateds Best of Staffing® in Talent Satisfaction in the United States and Great Place to Work® in the United Kingdom and Mexico.

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