At a Glance
- Tasks: Analyse credit policies and ensure responsible lending practices across all channels.
- Company: Join Ayvens, a leader in sustainable mobility solutions.
- Benefits: Competitive salary, pension scheme, health benefits, and generous leave policy.
- Other info: Diverse and inclusive workplace with excellent career growth opportunities.
- Why this job: Be part of a team shaping the future of mobility while developing your skills.
- 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.
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-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.
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!
Why Ayvens? 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. Follow our page for the latest updates, news, and insights.
Credit Policy Analyst employer: Ayvens
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-based 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. Join us in shaping the future of sustainable mobility, where your contributions truly matter and every day brings new opportunities for professional advancement.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Policy Analyst
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect with current employees at Ayvens. A friendly chat can sometimes lead to opportunities that aren’t even advertised.
✨Tip Number 2
Prepare for interviews by researching Ayvens’ credit risk strategies and policies. Show us you’re not just interested in the role but also in how you can contribute to our mission of sustainable mobility.
✨Tip Number 3
Practice your communication skills! Being able to explain complex topics simply is key. Try explaining credit risk concepts to a friend or family member to sharpen your skills.
✨Tip Number 4
Don’t hesitate to apply through our website! Even if you don’t meet every single requirement, we value diverse experiences and perspectives. What’s the worst that can happen? You might just land that interview!
We think you need these skills to ace Credit Policy Analyst
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter to highlight your relevant experience in credit risk management. Use keywords from the job description to show that you understand what we're looking for.
Show Off Your Analytical Skills:As a Credit Policy Analyst, you'll need to demonstrate your analytical mindset. Include examples of how you've solved real-world problems in previous roles, especially in underwriting or credit risk.
Keep It Clear and Concise:When writing your application, clarity is key! Avoid jargon and keep your language simple. We want to see that you can communicate complex topics effectively, just like you would in the role.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets to us quickly and efficiently. Plus, it shows you're keen on joining our team!
How to prepare for a job interview at Ayvens
✨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 sustainable mobility and how it ties into credit risk. This will show that you're not just interested in the role, but also in the company's mission.
✨Show Off Your Analytical Skills
Prepare to discuss your previous analytical roles and how you've tackled real-world problems. Bring examples of how you've improved processes or controls in past positions. This will demonstrate your detail-oriented mindset and problem-solving abilities, which are crucial for a Credit Policy Analyst.
✨Communicate Clearly
Practice explaining complex topics in simple terms. You might be asked to break down credit risk strategies or policies during the interview. Being able to communicate effectively with both technical and non-technical audiences is key, so think about how you can simplify your explanations.
✨Be Ready for Scenario Questions
Expect questions that put you in hypothetical situations related to credit risk management. Think about how you would handle challenges like regulatory changes or risk identification. This will help you showcase your resilience and ability to empathise while remaining impartial.
