At a Glance
- Tasks: Ensure responsible lending and improve credit risk strategies in a dynamic team.
- Company: Join Ayvens, a forward-thinking company committed to diversity and inclusion.
- Benefits: Enjoy competitive salary, pension scheme, and generous annual leave.
- Other info: Flexible work-life balance with opportunities for personal development.
- Why this job: Make a real impact on credit risk management while developing your skills.
- Qualifications: Experience in underwriting and strong analytical skills are preferred.
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.
Responsibilities
- 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.
Skills, Experience & Background
- Experience in an underwriting role within both B2C and B2B lending preferable.
- An analytical, detail-oriented and inquisitive mind-set, focused on pragmatically solving real-world problems, demonstrated with experience in a previous analytical role.
- Refined communication skills, both verbal and written, with an ability to tailor this to simplify complex topics for a broad audience.
- Driven to continually develop professional knowledge and skills, 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.
Technical Capabilities
- 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.
What We Can Offer
- 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).
- Workplace & On–Site Facilities: 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!
Credit Policy Analyst in Bristol employer: Ayvens
Ayvens Group is an exceptional employer, offering a supportive and inclusive work culture in Bristol that prioritises employee well-being and professional growth. With competitive benefits such as a robust pension scheme, generous annual leave, and opportunities for personal development, we empower our team to thrive both personally and professionally while contributing to responsible lending practices.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Policy Analyst in Bristol
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Ayvens. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Policy Analyst in Bristol
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Ayvens.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Ayvens's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Ayvens
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Ayvens.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Ayvens will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Ayvens employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
