Senior Financial Analyst - Controlling

Job#: 3033740

Job Description:

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 hands-on 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 credit-related journal entries, including ECL adjustments, portfolio reclassifications, match-funded interest, and other risk-related accounting items.
• Perform monthly yield analysis and evaluate risk-adjusted 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, balance-sheet impacts, and income-statement provisioning.
• Prepare executive-level materials, including portfolio trend analyses, EBIT walk analyses, and forecasting presentations.
• Provide portfolio-level 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 risk-adjusted returns.
• Ensure pricing strategies align with overall risk appetite, profitability objectives, and portfolio strategy.

Special Projects & Risk Initiatives (?10%)

• Support ad-hoc analyses and strategic initiatives related to credit performance, portfolio trends, ECL methodology enhancements, and data quality improvements.
• Collaborate cross-functionally with Risk, Modeling, Controlling, and global teams on credit-related 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 hands-on 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 problem-solving skills
• Ability to translate complex credit risk data into clear insights and actionable recommendations
• Excellent written, verbal, and presentation skills, including executive-level communication
• High attention to detail, sound judgment, and the ability to operate independently in an expert individual-contributor role
• Proven ability to collaborate effectively across departments and with global stakeholders

EEO Employer

Apex Systems is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of race, color, religion, creed, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), age, sexual orientation, gender identity, national origin, ancestry, citizenship, genetic information, registered domestic partner status, marital status, disability, status as a crime victim, protected veteran status, political affiliation, union membership, or any other characteristic protected by law. Apex will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable law. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation in using our website for a search or application, please contact our Employee Services Department at or .

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 ClearlyRated's Best of Staffing in Talent Satisfaction in the United States and Great Place to Work in the United Kingdom and Mexico. Everforth Apex uses a virtual recruiter as part of the application process. Click for more details.

Everforth Apex Benefits Overview: Everforth Apex offers a range of supplemental benefits, including medical, dental, vision, life, disability, and other insurance plans that offer an optional layer of financial protection. We offer an ESPP (employee stock purchase program) and a 401K program which allows you to contribute typically within 30 days of starting, with a company match after 12 months of tenure. Everforth Apex also offers a HSA (Health Savings Account on the HDHP plan), a SupportLinc Employee Assistance Program (EAP) with up to 8 free counseling sessions, a corporate discount savings program and other discounts. In terms of professional development, Everforth Apex hosts an on-demand training program, provides access to certification prep and a library of technical and leadership courses/books/seminars once you have 6+ months of tenure, and certification discounts and other perks to associations that include CompTIA and IIBA. Everforth Apex has a dedicated customer service team for our Consultants that can address questions around benefits and other resources, as well as a certified Career Coach. You can access a full list of our benefits, programs, support teams and resources within our 'Welcome Packet' as well, which an Everforth Apex team member can provide.