Credit Risk Analyst – FX Forwards

Role title: Credit Risk Analyst – FX Forwards

Location: London

Hybrid / office-based: 3-in, 2-out.

3S Money is looking for a Credit Risk Analyst to support the development and ongoing management of its credit risk framework for clients using FX Forward products. This is an end-to-end credit risk role covering the assessment, approval and ongoing monitoring of clients that require credit exposure to undertake FX Forward transactions. The role will help establish a robust and proportionate credit risk framework, assess individual counterparties, set appropriate credit limits within delegated authority, monitor utilisation and exposure, and ensure that changes in client circumstances or risk are identified and acted upon promptly. The role reports to the Head of Risk and will work closely with FX Trading, Risk, Compliance and relevant commercial and operational teams.

Our mission

3S Money is reinventing international business payments. Founded in 2018, our mission is to help growing businesses to send, receive and exchange money in over 190 countries. With offices in five countries and over 200 employees, you’ll be joining a high-energy, high-impact team that’s achieved profitability and has a wealth of opportunity ahead.

Our culture

At 3S Money, we believe in caring personally, staying curious and making an impact through collaboration not competition. Our culture is genuinely transparent with minimal hierarchy and a commitment to each employee’s professional growth.

What you’ll be doing

• Help develop and maintain the credit risk framework for FX Forward clients.
• Perform credit assessments for clients seeking access to FX Forward products.
• Review financial and other relevant information to assess creditworthiness and counterparty risk.
• Approve clients and set credit limits within delegated authority, escalating where required.
• Maintain and monitor the approved credit list, client limits, utilisation and exposures.
• Conduct ongoing and periodic reviews of approved clients.
• Identify and elevate limit breaches, deteriorating credit quality and material changes in risk.
• Recommend changes, reductions or withdrawal of limits where appropriate.
• Maintain clear records of credit assessments, decisions and approvals.
• Provide credit risk reporting and portfolio oversight to the Head of Risk.

About you, you have

• Experience in credit risk within financial services.
• Strong financial analysis and credit assessment skills.
• Experience setting credit limits and monitoring client exposures.
• FX or FX Forwards experience would be an advantage.
• Strong analytical skills and sound risk judgement.
• Able to make clear, independent and well-supported credit decisions.

In return for your hard work:

• Competitive Salary + plus stock options (after 12 months) & benefits
• Hybrid working setup in our wonderful city-centre office
• We foster non-BAU projects in our team, we want you to explore new avenues and expand your expertise to benefit your professional pathway & our teams.
• And much, much more….

Our commitment to you

We are an equal opportunities employer.

We make recruiting decisions based on your experience, skills and personality.

Our passion and focus will always be to work with the best people.

We’re creating services for everyone, so it’s imperative we work with everyone.

Our diverse team has been the foundation to our success in building more efficient products, making better decisions and establishing an all-inclusive place to work.

Applicants of all backgrounds are hugely encouraged to apply and discover the 3S way.

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