Inside the Role
The Risk Management Specialist will support the North America region (US, Canada, Mexico) by delivering analytical insights into evolving credit and risk trends. This role evaluates portfolio performance, borrower and dealer risk, and emerging patterns to inform credit strategy and strengthen underwriting quality. Using internal data and external market indicators, the specialist identifies risks and opportunities that enhance credit decisioning and optimize risk‑return outcomes. The position also advances key risk initiatives focused on increasing the efficiency and accuracy of underwriting and mitigating portfolio risk.Posting Information
We provide a scheduled posting end date to assist our candidates with their application planning. While this date reflects our latest plans, it is subject to change, and postings may be extended or removed earlier than expected.
We Take Care of Our Team
Pay offered dependent on knowledge, skills, and experience
Benefits include annual bonus program; 401k company contribution with company match up to 6% as well as non-elective company contribution of 3 - 7% depending on age; starting at 4 weeks paid vacation; 15 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.
What you drive at DTFS
Analyze internal and external data (industry, macroeconomic, consumer behavior) to identify emerging credit trends, shifts in portfolio performance, and changes in borrower and dealer profiles that impact underwriting and risk appetite.
Apply strong credit analysis judgment to evaluate risk exposures, design mitigation strategies, and provide high‑quality insights that inform credit policy, line assignment, pricing, and approval frameworks.
Develop and maintain performance reporting across acquisitions, collections, recoveries, and end‑to‑end credit portfolios, ensuring visibility into underwriting effectiveness and portfolio health.
Partner with cross‑functional teams to refine reporting structures, dashboards, and KPIs aligned with credit strategy and risk appetite.
Analyze data across multiple systems to develop strategies for acquisition, auto‑decisioning, scorecards, risk‑based collections, and other credit‑related optimization opportunities.
Support the development, testing, implementation, and documentation of new acquisition scoring models, rating tools, and credit underwriting enhancements.
Demonstrate capability to work with AI tools, automated analytics workflows, and reporting platforms (e.g., Tableau), and provide recommendations on emerging technologies that strengthen credit and underwriting performance.
Provide data‑centric risk consulting to internal stakeholders, helping business partners understand credit impacts, interpret insights, and apply them in strategic and underwriting decisions.
Deliver impactful presentations and credit insights to business leaders, risk committees, and cross‑functional partners.
Collaborate closely with teams across Risk, Finance, Collections, Sales and IT to drive enhancements, strengthen credit literacy, and elevate underwriting excellence across the organization.
Knowledge you should Bring
Bachelor’s Degree and 5 years relevant work experience or 8 years of relevant experience in lieu of degree
Hands on experience with credit Analysis, credit underwriting and/or finance/Risk Management.
Demonstrated functional expertise in credit analysis, financial analysis and credit operations.
Proficiency with reporting tools, dashboards, Excel, and AI/automation new technologies.
Ability to create clear, compelling presentations, and contribute to credit initiatives.
Strong communication, storytelling, and executive‑level presentation skills.
Exceptional Candidates May Have
Master’s degree in Finance, Business, Risk, Mathematics, Business Analytics, or a related field.
Financial Risk Manager(FRM) certification.
Experience in the financial services or banking industry with direct exposure to underwriting, credit policy, or risk modeling.
Experience developing scorecards, rating models, or AI‑based credit platforms.
Where We Work
This position is open to applicants who can work in (or relocate to) the following location(s)-
Charlotte, NC US, Fort Mill, SC US. Relocation assistance is not available for this position.Schedule Type:
Hybrid (4 days per week in-office / 1 day remote). This schedule builds our #OneTeamBestTeam culture, provides an unparalleled customer experience, and creates innovative solutions through in-person collaboration.Daimler Truck Financial is the captive financial services provider for the Daimler Trucks North America family of commercial vehicle products, including Freightliner Trucks, Western Star, SelecTrucks, Sprinter Vans, Thomas Built Buses and Fuso. We have specialized in financing commercial vehicles for more than 40 years. This proven experience gives us critical insights into helping businesses overcome challenges unique to the trucking industry. Additionally, we offer a range of financing solutions that can be customized to meet each individual business's needs, from owner-operators to large fleet managers and nearly every venture in-between.
To achieve our goal of being the first-choice provider of vehicle financial products and services that support our brands, dealers and customers, we are looking for talented, diverse and inspired people with the skills, experience and innovative spirit to provide a first-class experience at every turn. We are committed to providing a great workplace environment that fosters a culture of openness, support and camaraderie. Our employee programs and benefits are reflective of our values and are designed to promote growth, balance and wellness in many aspects of your career and life.
Additional Information
Applicants must be legally authorized to work permanently in the country of posting
Final candidate must successfully complete a criminal background check
Contractors, professional services, or other contingent workers should confirm with their local agency if they are eligible to apply for FTE positions
EEO - Disabled/Veterans
Daimler Truck Financial Services is committed to workforce inclusion and providing an environment where equal employment opportunities are available to all applicants and employees without regard to race, color, sex (including pregnancy), religion, national origin, age, marital status, family relationship, disability, sexual orientation, gender identity and expression (including transgender and transitioning status), genetic information, or veteran status.
For an accommodation or special assistance with applying for a posted position, please contact our Human Resources department at 503-745-8982 or toll free 800-206-3369. For TTY/TDD enabled call 503-745-2137 or toll free 866-355-6935
