Customer Credit Risk Manager

Daimler Truck UK; Milton Keynes; Hybrid; GBP 75,000 - 110,000; Full time

Benefits offered by this job

Private medical insurance

Pension scheme

25 days annual leave

Job summary

Daimler Truck Financial Services UK (DTFS) invites applications for a Customer Credit Risk Manager in Milton Keynes. You will lead the Customer Credit Risk function, shape risk assessment, underwriting, reporting and portfolio management across the funding portfolio, ensuring decisions align with risk appetite, compliance and commercial goals.

You will work with senior stakeholders to provide risk insight, enhance processes and build capability within the team, while supporting audit readiness

Qualifications

• Graduate or professional qualification level, with significant experience in credit risk analysis or risk management.
• Detailed knowledge of automotive, transport and corporate funding markets and risk factors.
• Strong knowledge of company law, lending security and audit standards relevant to commercial funding.
• Proven experience leading teams, managing priorities and building capability in a credit risk environment.
• Experience managing large corporate accounts, high-value lending and distressed customers with loss mitigation.

Responsibilities

• Design, maintain and document local credit risk processes and manuals, ensuring compliance with local and HQ policies and regulatory requirements.
• Maintain and develop underwriting standards to ensure lending applications are assessed through approved streams.
• Ensure legal and security documentation is in place and monitored in line with sanctions and terms.
• Track underwriting and portfolio performance, reporting trends and driving continuous improvement.
• Lead, motivate and develop the Credit Specialist and Analyst team and influence stakeholders to improve systems and reporting outputs.

Skills

Credit risk analysis

Underwriting

Financial analysis

Leadership

Stakeholder management

Education

Graduate or professional qualification

Job description

As Daimler Truck Financial Services (DTFS), we are one of the largest financial and mobility services companies in the commercial vehicle industry and a fully integrated division of the globally operating Daimler Truck AG. We simplify our customers' business with a variety of tailored financing and service solutions and support them on the path to environmentally friendly, autonomous and safe driving.

DTFS is active in around 16 markets with more than 1,900 employees, with DTFS UK being the subsidiary for the UK market. Our focus is on supporting the sale of Trucks and Buses through the provision of tailored finance packages to customers. Our colleagues and our values-based culture are essential strengths that contribute significantly to our success.

Become part of our team! You make the difference - YOUMAKEUS

As part of our great team here at DTFS, we have an exciting opportunity to join us as a Customer Credit Risk Manager.

We’re looking for someone to lead the Customer Credit Risk function by setting and maintaining effective credit risk assessment, underwriting, reporting, compliance and portfolio management standards across the Daimler Truck & Bus funding portfolio.

This role is perfect if you’d like to be accountable for ensuring lending decisions, policies, products, processes and systems operate within local and global risk appetite, legal and regulatory requirements, while enabling commercially balanced decisions, minimising credit losses, supporting audit readiness and developing the capability of the Customer Credit Team. The role also supports key customer relationships by attending strategic customer meetings where credit risk input is required, providing clear risk guidance, and helping to build constructive relationships that support informed lending decisions and effective portfolio management.

WHAT YOU CAN EXPECT

Working in this role you will cover:

Working Relationships, Customer and Supplier Contact

• Senior Management reporting and risk insight: Provide clear portfolio, customer and sector risk reporting to Senior Management, identifying adverse trends, recommending controls and supporting timely decisions that protect the business from avoidable credit losses, leading the evolution of the function to deliver practices that support portfolio growth, enhance the customer experience and our operational efficiency
• Collections, Remarketing and distressed account management: Contribute as part of the wider leadership team to work-out situations, business failures and high-risk exposures by providing credit risk input, supporting agreed recovery strategies, and helping ensure actions are implemented in line with approved risk management procedures.
• People leadership and capability development: Lead, motivate and develop the direct team, setting priorities, supporting performance, building succession capability and enabling Credit Specialists and Analysts to progress into future risk roles, or other development opportunities.
• Stakeholder influence and service improvement: Influence internal and external stakeholders to improve systems, processes, products, account management, service quality, funding response times and reporting outputs across Daimler Truck & Bus. Identify and lead innovative opportunities to enhance the Credit Risk operating model through improved system functionality, workflow automation, data quality, digital reporting and appropriate use of AI-enabled tools, ensuring changes are controlled, compliant and deliver measurable improvements in decision speed, consistency, risk insight and customer service.

Main Operational Responsibilities

• Credit policy, compliance and audit readiness: Design, maintain and document local credit risk processes and manuals, ensuring ongoing compliance with local and HQ global lending policies, audit expectations and applicable legal and regulatory requirements.
• Underwriting standards and decision quality: Maintain and develop underwriting standards so lending applications are assessed through the appropriate local and HQ approval streams, within agreed service levels and in line with risk appetite and commercial requirements.
• Security, legal documentation and conditions of sanction: Ensure relevant legal and security documentation is in place, perfected where required, and that all lending terms, conditions and sanctions are monitored and adhered to.
• Performance management and continuous improvement: Ensure key underwriting and portfolio performance measures, including volumes, market sector, origination quality and turnaround times, are measurable, reported and used to drive continuous improvement.

THAT’S WHY YOU ARE A MATCH

You may have all/some of these skills:

Qualifications and professional skills

• Graduate or professional qualification level, supported by significant experience in credit risk analysis, underwriting or financial services risk management.
• Detailed knowledge of automotive, transport and corporate funding markets, including the economic and sector factors that influence customer credit risk.
• Strong working knowledge of company law, lending security, company filing requirements, compliance obligations and audit standards relevant to commercial funding.
• Proven experience of leading teams, managing priorities and building capability in a specialist credit risk environment.
• Experience of managing major corporate accounts, high-value lending exposures and customers in corporate distress, including selecting appropriate actions to mitigate loss while preserving commercial relationships where possible.

Previous Experience/Knowledge

• Extensive experience in large-ticket lending, complex group structures, financial statement analysis, financial ratio interpretation, cash flow projections and management accounts.
• Ability to evaluate risk information, identify emerging portfolio trends and convert analysis into practical recommendations for senior stakeholders.
• Experience of reviewing and improving credit risk processes, IT systems, reporting tools and project-based change activity.
• Strong understanding of the balance between risk control, customer service, commercial objectives and regulatory compliance.

Key Personal Skills

• Confident decision-maker with the judgement to assess complex and sensitive risk matters, prioritise under pressure and escalation appropriately.
• Strong communicator and negotiator, able to influence internal and external stakeholders, including senior management and board-level contacts, particularly in high-risk situations.
• Collaborative leader who motivates others, builds commitment to business goals and supports a culture of continuous improvement, compliance and accountability.
• Highly numerate, analytical and commercially aware, with the ability to translate complex credit risk information into clear conclusions and recommended actions.

You don’t bring everything with you? No problem! We look for skills but hire for attitude!

WHAT WE OFFER YOU

Alongside the opportunity to work for a great business that is passionate about everything we do, we offer a competitive salary and a discretionary bonus structure. You’ll be able to join our pension scheme, and you’ll also receive a comprehensive benefits package including private medical insurance, 25 days’ annual leave plus public holidays. You’ll also have access to a range of voluntary benefits that you can choose from to suit your lifestyle.

We work flexibly with hybrid working (typically 2 days per week at our work space) and when working onsite you’ll be based at our brand-new offices at Willen Lake, Milton Keynes.

We’re committed to supporting your wellbeing, with access to colleague wellbeing resources including our Employee Assistance Programme and Mental Health First Aiders.

We’re invested in your growth too, providing the training and knowledge you need to reach your potential.