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Chief Risk Officer, Americas Hub @Mercedes-Benz Financial Services USA LLC
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WORK HISTORY
Chief Risk Officer, Americas Hub @Mercedes-Benz Financial Services USA LLC
Farmington Hills, MI, US
Advise CEO and Operating Committee with enterprise-level risk and portfolio strategy, enabling data-driven decisions that balance growth, profitability, and sustainability.• Lead long-term risk and credit strategy development, aligning Americas objectives with global corporate priorities and emerging market trends.• Oversee enterprise governance, executive reporting, and board-level communications, delivering actionable insights for portfolio steering and capital planning.• Direct deployment of advanced forecasting models, analytics, and digital decisioning tools, enhancing operational efficiency and supporting strategic growth initiatives.• Build and mentor high-performing risk and analytics teams, fostering a culture of innovation, collaboration, and continuous improvement.• Partner globally to benchmark industry best practices and integrate innovation frameworks, ensuring Americas operations align with global strategy.• Manage vendor partnerships and external data sources to strengthen market intelligence and competitive positioning.
EDUCATION
Central Michigan University
Business Administration, Corporate Finance
Wayne State University
MBA, Personnel Management
ABOUT DAWN CARPENTER
As Chief Risk Officer for Mercedes-Benz Financial Services, I lead the company’s risk management strategy, overseeing scoring and decision-making processes for acquisitions, ongoing portfolio monitoring, and risk-based collection strategies. With 25 years of experience in automotive financial services, I have successfully managed all aspects of risk management, insurance operations, pricing, and project management for a leading luxury brand. My career at Mercedes-Benz Financial Services has spanned multiple areas, including accounting, financial reporting, pricing, insurance, project management, and risk management.I specialize in managing portfolio risk for the Americas region, with a strong focus on acquisitions and developing risk-based collection strategies. Known for my ability to build and lead high-performing cross-functional teams, I foster both internal and external relationships to drive business growth. Additionally, I excel at streamlining business processes to secure bottom-line results in a highly competitive and heavily regulated market.
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