Sr. Decision Scientist - Risk and Data Analytics

Job Overview

Develop, implement and monitor statistical analytical tools and systems, focusing on acquisitions and collections. This data‑centric role uses statistics, mathematics, and machine learning to support business goals. Participate in global risk management projects to ensure best practices in scoring and pricing. May involve compliance activities as applicable.

• Perform in‑depth quantitative analysis (machine learning, advanced analytics, text mining, pattern recognition) from multiple data sources, analyze data systems and datasets to discover new insights, and apply findings to develop new risk‑based collection and recovery strategies (20%).
• Data extraction, cleaning, and validation for ad‑hoc analyses, reporting, and model development (20%).
• Provide data‑centric consulting to internal customers to guide strategic business decisions (20%).
• Test, implement and document internally developed machine learning models, following DFS policies, procedures, and processes (15%).
• Internally develop, test, implement and document new collection and/or recovery scoring models, generating quarterly monitoring reports (10%).
• Work with external vendors to test, implement and document new collection and/or recovery scoring models and vendor products, generating quarterly monitoring reports (10%).
• Evaluate and develop expertise in emerging analytics techniques, tools, and methodologies (5%).

Applicants must be legally authorized to work in the U.S. and will receive relocation assistance. Minimum of 5‑8 years overall experience, with the following preferred experience:

• Business‑General: 3‑5 years
• Collections: 1‑2 years
• Credit: 1‑2 years
• Finance: 1‑2 years

Bachelor’s Degree required;
Master’s Preferred. Recommended majors include Data Science, Computer/Information Science.

• Analytical skills – ability to collect data, establish facts, identify trends and variances.
• Microsoft Office.
• Technical finance or analytical/statistical background with awareness of risk management and automotive financial services concepts.
• Experience in database design; expert knowledge of SQL (SAS or similar preferred) and MS Office.
• Experience with Python and machine‑learning techniques applied to risk modeling (plus).
• Strong written and verbal communication skills to interact with stakeholders at all levels.
• Experience participating in cross‑departmental projects; credit decision engine knowledge highly desirable.
• Experience in retail credit, collections, financial analyst, risk management preferred.

Mercedes-Benz Financial Services offers a competitive salary, performance‑based bonuses, and a full suite of benefits, including 401(K) match, generous vacation, a Mercedes-Benz car program, and flexible work arrangements.

EEO/Minorities/Females/Disabled/Vets