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
Ayvens is an exceptional employer that prioritises employee growth and well-being, offering a competitive pension scheme, annual salary reviews, and a range of health and wellness benefits. Our Bristol-based team thrives in a collaborative and inclusive work culture, where innovation and sustainability are at the forefront of our mission to shape the future of mobility. With ample opportunities for professional development and a commitment to work-life balance, Ayvens is dedicated to nurturing talent and fostering a diverse workplace where everyone can excel.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst
✨Tip Number 1
Network like a pro! Reach out to current or former employees at Ayvens on LinkedIn. A friendly chat can give you insider info and maybe even a referral, which can really boost your chances.
✨Tip Number 2
Prepare for the interview by diving deep into Ayvens' mission and values. Show us how your skills align with our goals in sustainable mobility. We love candidates who are genuinely excited about what we do!
✨Tip Number 3
Practice your analytical skills! Brush up on your coding and data analysis techniques, especially in SAS, SQL, or Python. Being able to demonstrate your technical prowess during the interview will set you apart.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows us you’re serious about joining the Ayvens team.
We think you need these skills to ace Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experiences that align with the Credit Risk Analyst role. Highlight any analytical experience and technical skills, like coding in SAS, SQL, or Python, to catch our eye!
Craft a Compelling Cover Letter:Use your cover letter to tell us why you're passionate about credit risk analysis and how your background makes you a great fit for Ayvens. Keep it concise but engaging – we want to see your personality shine through!
Showcase Your Analytical Mindset:In your application, demonstrate your analytical and detail-oriented approach. Share examples of how you've solved real-world problems in previous roles, as this is key for the position we're looking to fill.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands and helps us keep track of all the amazing talent out there!
How to prepare for a job interview at Ayvens
✨Know Your Numbers
As a Credit Risk Analyst, you'll be dealing with data all the time. Brush up on your numerical skills and be ready to discuss how you've used data analysis in previous roles. Prepare examples of how you've identified trends or made decisions based on data.
✨Master the Art of Communication
Refined communication skills are key for this role. Practice explaining complex topics in simple terms. You might be asked to present your findings, so think about how you can make your insights accessible to a broad audience.
✨Show Your Curiosity
Ayvens values a curious mindset. Be prepared to discuss how you stay updated on market trends and credit risk strategies. Share any recent research or techniques you've applied in your work that demonstrate your commitment to continuous learning.
✨Demonstrate Professionalism
Professionalism and integrity are crucial in this role. Think of examples where you've faced challenges and how you handled them with resilience. Show that you can empathise while remaining impartial, which is vital for making informed decisions.
