At a Glance
- Tasks: Analyse credit risk and support innovative financial solutions in a collaborative team.
- Company: Join 3M, a diverse and inclusive leader in innovation.
- Benefits: Competitive salary, professional development, and a supportive work environment.
- Other info: On-site role in Bracknell with excellent opportunities for career advancement.
- Why this job: Make a real impact on credit risk management while growing your career.
- Qualifications: Degree in finance or related field; experience in credit risk and data analytics preferred.
The predicted salary is between 40000 - 50000 £ per year.
The Impact You'll Make in this Role
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 models.
- 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 KPIs.
- 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, we are 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
- Location Information – Bracknell, UK.
- 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.
- Working Pattern – Full‑time.
At 3M, we believe diversity & inclusion are essential to innovation. We seek and value differences in people! This Job ad is addressed to all potential candidates. As an equal opportunity employer, 3M will not discriminate against any applicant for employment on the basis of race/ethnicity, nationality, religion, sex, gender identity, sexual orientation, pregnancy/maternity-related matters, age or disability, or any other relevant characteristic protected under applicable local law.
Credit Portfolio Risk Analyst (m/f/x) in Bracknell employer: 3M
At 3M, we pride ourselves on being an exceptional employer, offering a dynamic work environment in Bracknell that fosters innovation and collaboration among diverse teams. Our commitment to employee growth is evident through continuous learning opportunities and a culture that values diversity and inclusion, ensuring that every voice is heard and respected. With a focus on meaningful work and a supportive atmosphere, we empower our employees to make impactful contributions while enjoying a balanced work-life experience.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Portfolio Risk Analyst (m/f/x) in Bracknell
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can refer you directly.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their approach to credit risk management and think about how your skills can contribute. We want you to shine!
✨Tip Number 3
Practice your responses to common interview questions, especially those related to credit analysis and risk management. The more comfortable you are, the better you'll perform when it counts.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who take that extra step to engage with us directly.
We think you need these skills to ace Credit Portfolio Risk Analyst (m/f/x) 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, as these are key areas for us. Use specific examples that showcase your skills and achievements.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your background aligns with our needs. Be sure to mention any relevant certifications or experiences that set you apart.
Showcase Your Analytical Skills:Since this role involves a lot of data analysis, make sure to highlight your analytical reasoning skills in your application. Provide examples of how you've used data to influence business decisions or improve processes in the past.
Apply Through Our Website:We encourage you to apply through our website for the best chance of success. It’s the easiest way for us to keep track of your application and ensure it gets the attention it deserves!
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. Show them you can assess the impact of these decisions on working capital.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical reasoning skills during the interview. Think of examples where you've used data analytics to solve problems or improve processes. Be ready to explain your thought process clearly and confidently.
✨Familiarise Yourself with SAP
If you have experience with SAP, make sure to highlight it. If not, do a bit of research on how SAP is used in credit risk management. Being able to discuss its relevance will show your commitment to understanding the tools that are crucial for the role.
✨Communicate Effectively
Strong communication skills are key in this role. Practice articulating your thoughts on credit risk and compliance clearly. Prepare to discuss how you would advise business leadership teams on actions based on your analyses, showcasing your ability to influence and collaborate.
