At a Glance
- Tasks: Analyse credit risk and support global teams in data-driven decision making.
- Company: Join a leading company with a diverse and innovative culture.
- Benefits: Competitive salary, professional development, and collaborative work environment.
- Other info: On-site role in Bracknell with excellent career growth opportunities.
- Why this job: Make a real impact on financial strategies and risk management.
- Qualifications: Bachelor's degree in relevant fields and experience in credit risk management.
The predicted salary is between 40000 - 50000 £ per year.
As a Credit Portfolio Risk Analyst located at our Bracknell HQ, you will have the opportunity to tap into your curiosity and collaborate with some of the most innovative and diverse people around the world. Here, you will make an impact by:
- Supporting lead manager on customer credit analysis and risk rating of the portfolio.
- Monitoring and proactively managing risk/exposures and compliance with policies for credit risk portfolio.
- Supporting global team with credit data analysis to formulate practical portfolio problem solving model.
- Monitoring performance of AR credit quality and analysing AR performance, aging, trends, risk exposure and advising business leadership teams in actions to be taken.
- Supporting management reporting for KPI.
- Working in collaboration with the CIR organization to implement frameworks and global governance policies.
- Reviewing and approving requests related to credit limits or payment terms.
- Participating on cross functional teams to identify opportunities and support initiatives for process improvements, centralization, and standardization.
- Providing financial counsel and analysis on DSO initiatives to the business group leaders and team, influencing business thinking.
- Leading SAP readiness and deployment activities related to the Credit Risk.
Your Skills and Expertise
To set you up for success in this role from day one, 3M is looking for candidates who must have the following qualifications:
- Bachelor’s degree or higher in Business, Finance, Accounting, Economics, Mathematics, Statistics, or a related field from an accredited institution.
- Credit-related professional certification preferred.
- Significant experience in credit risk management.
- Prior experience in data analytics, data management, and/or risk and accounts receivable analysis.
Additional qualifications that could help you succeed even further in this role include:
- Strong knowledge of financial statement analysis, basic accounting practices, and financial principles, with the ability to assess and interpret the working capital impact of credit risk decisions.
- Demonstrated analytical reasoning skills, with the ability to communicate persuasively and assertively while remaining adaptable, collaborative, and solution-oriented.
- Strong written and verbal communication skills.
- Experience in Credit and Collections preferred.
- Proficiency in SAP preferred.
Job specifics:
- Travel expectations - May include up to 5% domestic/international.
- This role has on-site working model, with the employee working at least four days a week in the office at Bracknell, Berkshire, UK.
Credit Portfolio Risk Analyst in Bracknell employer: 3M
At 3M, we pride ourselves on being an exceptional employer, offering a dynamic work culture that fosters innovation and collaboration among diverse teams. Located in Bracknell, our headquarters provides employees with ample opportunities for professional growth, supported by comprehensive training and development programmes. With a focus on employee well-being and a commitment to meaningful work, we empower our Credit Portfolio Risk Analysts to make impactful contributions while enjoying a supportive and engaging workplace.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Portfolio Risk Analyst in Bracknell
✨Tip Number 1
Network like a pro! Reach out to current employees at the company or in similar roles on LinkedIn. A friendly chat can give you insider info and might just get your foot in the door.
✨Tip Number 2
Prepare for the interview by researching common questions for Credit Portfolio Risk Analysts. We recommend practising your answers with a friend or in front of a mirror to boost your confidence.
✨Tip Number 3
Showcase your analytical skills during interviews. Bring examples of how you've tackled credit risk issues in the past, and be ready to discuss your thought process and outcomes.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining our team.
We think you need these skills to ace Credit Portfolio Risk Analyst in Bracknell
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Portfolio Risk Analyst role. Highlight your experience in credit risk management and data analytics, and don’t forget to mention any relevant qualifications or certifications. We want to see how your skills align with what we’re looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re passionate about credit risk analysis and how your background makes you a great fit for our team. Keep it engaging and personal – we love to see your personality come through!
Showcase Your Analytical Skills:Since this role involves a lot of data analysis, make sure to showcase your analytical skills in your application. Provide examples of how you've used data to solve problems or improve processes in previous roles. We’re keen to see your thought process!
Apply Through Our Website:Don’t forget to apply through our website! It’s the best way to ensure your application gets to us directly. Plus, it shows you’re serious about joining our innovative team at StudySmarter. We can’t wait to hear from you!
How to prepare for a job interview at 3M
✨Know Your Numbers
As a Credit Portfolio Risk Analyst, you'll be dealing with data and financial metrics. Brush up on your financial statement analysis and be ready to discuss how you interpret credit risk decisions. Prepare examples of how you've used data analytics in past roles to influence business outcomes.
✨Showcase Your Collaboration Skills
This role involves working with diverse teams and cross-functional collaboration. Think of specific instances where you've successfully worked with others to solve problems or improve processes. Be prepared to share these stories during the interview to demonstrate your teamwork abilities.
✨Understand the Company’s Risk Framework
Familiarise yourself with the company's credit risk policies and governance frameworks. Research their approach to credit management and be ready to discuss how you can contribute to their existing strategies. This shows your genuine interest in the role and the company.
✨Prepare for Scenario Questions
Expect questions that assess your analytical reasoning and problem-solving skills. Practice answering scenario-based questions related to credit risk management, such as how you would handle a sudden increase in risk exposure. This will help you articulate your thought process clearly during the interview.
