At a Glance
- Tasks: Analyse credit risks and optimise strategies 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 development opportunities.
- Why this job: Make a real impact in the evolving world of finance and sustainability.
- Qualifications: Analytical mindset with experience in data analysis and coding skills.
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.
The mission of the Risk & Compliance division is to nurture a mature risk and compliance environment which enables good outcomes, responsible risk taking and informed decision making, as well as providing assurance to our colleagues, customers and stakeholders.
As a result of growth we’re currently seeking an additional Credit Risk Analyst to join our Bristol based team, reporting to the Credit Risk Manager (Portfolio).
Purpose- Ensure the business continues to lend responsibly and the portfolio is managed within agreed risk appetite.
- Support the ongoing optimisation of credit risk policies and strategy by producing analysis and insight into current portfolio and market trends.
- Contribute to a data-led ethos in decision making within the business.
- Support the Portfolio team in the analysis and assessment of existing and emerging credit risks.
- Monitor and optimise the credit strategy, credit risk appetite and policies, across the credit lifecycle, to ensure these remain robust and aligned to strategic objectives, Ayvens Group standards and regulatory requirements.
- Develop and monitor key performance drivers and portfolio forecasts.
- Perform monitoring for portfolio-level activities, such as limit and exposure management, concentration risk management and default management.
- Produce management information and ad-hoc analysis, providing insight to senior management and the wider business.
- 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.
- High standard in IT literacy including office applications.
- Demonstrable coding experience, and knowledge of SAS/SQL/Python preferable.
- Highly numerical background in relevant area, such as statistics or business.
- Demonstrable interest in modelling, analytics or economics preferable.
- A degree in a STEM subject or related field preferable.
- 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 Risk Analyst employer: Ayvens
At Ayvens, we pride ourselves on fostering a dynamic and inclusive work culture that empowers our employees to thrive. As a Procurement Category Lead, you will not only contribute to our ambitious sustainable mobility goals but also benefit from extensive professional development opportunities and a supportive team environment in the UK. Join us to be part of a forward-thinking company that values innovation and personal growth.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst
✨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 Risk Analyst
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.
