At a Glance
- Tasks: Support credit risk management and improve policies for responsible lending.
- Company: Join Ayvens, a leader in sustainable mobility solutions.
- Benefits: Competitive salary, pension scheme, health benefits, and generous leave.
- Other info: Diverse and inclusive workplace with excellent career growth opportunities.
- Why this job: Make a real impact in shaping the future of mobility.
- Qualifications: Experience in underwriting and strong analytical skills required.
The predicted salary is between 35000 - 45000 £ per year.
At Ayvens, progress starts with you. Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.
Ensuring the business lends responsibly and within appetite across all channels, the Credit Risk Department is accountable for recommending, implementing and monitoring strategies, policies and models used to quantify and manage credit risk.
As a result of growth, we’re currently seeking an additional Credit Policy Analyst to join our Bristol based team.
Purpose- Ensure the business operates within the defined credit risk strategy, policies and risk appetite.
- Support the development and performance of controls around credit risk decisioning, monitoring and operational processes.
- Define, maintain and continuously improve the framework and governance structure for credit risk management.
- Support in the ongoing monitoring of credit risk policy and processes, and the continuous improvement of the credit risk management framework.
- Develop, perform and continuously improve key controls assessing the application of critical policies, processes and guidance, regulatory requirements and Ayvens Group standards, and support the delivery of credit risk supervisory controls provided by Ayvens Group.
- Deliver detailed case-level quality assurance of underwriting assessments whilst applying expertise to provide feedback for Risk Operations.
- Support the Portfolio team in the ongoing optimisation of credit risk strategies, policies and processes.
- Support the co-ordination and monitoring of action plans following the local identification of risks, control feedback or audit or regulatory recommendations.
- Experience in an underwriting role within both B2C and B2B lending preferable.
- An analytical, detail-orientated and inquisitive mind-set, focussed on pragmatically solving real-world problems, and demonstrated with experience in a previous analytical role.
- Refined communication skills, both verbal and written, and an ability to tailor this to simplify complex topics for a broad audience.
- Driven to continually develop professional knowledge and skills, and adept at researching and applying new techniques or technologies.
- Demonstrates professionalism, integrity and honesty in all work activities. Demonstrates resilience when faced with challenging situations. Able to empathise whilst remaining impartial.
- Proficient with tools and technologies critical within credit risk management, such as systems used for onboarding, lending strategy management, underwriting and risk monitoring.
- High standard in IT literacy including office applications.
- Rewards & Financial Benefits: Competitive pension scheme, Annual salary review and bonus scheme, Give As You Earn (GAYE) scheme, Employee referral scheme (£1,000), Retail discounts programme, GymFlex membership options, Cycle to Work scheme.
- Health & Wellbeing: Life Assurance, Health assessment options, Travel insurance, Dental insurance, Critical illness cover, Personal accident insurance.
- Time Off & Work–Life Balance: 25 days’ annual leave + an additional Celebration Day, 37.5 hour week, Monday to Friday, no weekends, Holiday buy & sell scheme, Volunteer days, Time allocated for personal development, Study support (where applicable).
- Free parking (Limited), EV charging points, Bike storage & shower facilities, Complimentary breakfast, Staff and social events.
Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified. At Ayvens we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited by this, or any role at Ayvens but your experience doesn’t exactly align, we would encourage you to apply regardless!
With over 3.4 million vehicles managed across more than 42 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.
At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.
Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed.
Credit Policy Analyst in Bristol employer: Ayvens Group
At Ayvens, we pride ourselves on being an exceptional employer, offering a vibrant work culture that champions diversity and inclusion while prioritising employee growth. Our Bristol team enjoys competitive benefits, including a generous pension scheme, ample annual leave, and opportunities for personal development, all within a supportive environment that encourages innovation and collaboration in the pursuit of sustainable mobility.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Policy Analyst in Bristol
✨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 put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their credit risk strategies and be ready to discuss how your skills align with their goals. Show them you’re not just another candidate!
✨Tip Number 3
Practice your responses to common interview questions, especially those related to credit policy and risk management. Use the STAR method (Situation, Task, Action, Result) to structure your answers and make them impactful.
✨Tip Number 4
Don’t forget to follow up after your interview! A simple thank-you email can set you apart from other candidates and show your enthusiasm for the role. Plus, it keeps you fresh in their minds.
We think you need these skills to ace Credit Policy Analyst in Bristol
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the Credit Policy Analyst role. Highlight relevant experience in underwriting and credit risk management, and don’t forget to showcase your analytical skills!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re passionate about sustainable mobility and how your background aligns with Ayvens' mission. Keep it concise but impactful!
Showcase Your Communication Skills:Since refined communication is key for this role, make sure your application reflects your ability to simplify complex topics. Use clear language and structure to demonstrate your written communication prowess.
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It’s the best way to ensure your application gets the attention it deserves. Plus, you’ll find all the info you need about the role there!
How to prepare for a job interview at Ayvens Group
✨Know Your Credit Risk Stuff
Make sure you brush up on credit risk management principles and the specific policies at Ayvens. Familiarise yourself with their approach to lending and risk appetite, as this will show that you're genuinely interested in the role and understand the company's values.
✨Show Off Your Analytical Skills
Prepare examples from your past experience where you've successfully analysed data or improved processes. Be ready to discuss how you can apply these skills to support Ayvens' credit risk strategies and enhance their governance structure.
✨Communicate Clearly
Since the role requires refined communication skills, practice explaining complex topics in simple terms. Think about how you would present your ideas to different audiences, as this will demonstrate your ability to tailor your communication effectively.
✨Be Ready for Real-World Scenarios
Expect situational questions that assess your problem-solving abilities. Prepare to discuss how you would handle specific challenges in credit risk management, showcasing your resilience and ability to empathise while remaining impartial.
