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- Tasks: Shape capital and liquidity strategies while delivering insights for sustainable growth.
- Company: Join Cynergy Bank, the UK's human digital bank with a collaborative culture.
- Benefits: Enjoy competitive salary, annual bonus, hybrid working, and extensive benefits.
- Why this job: Make a real impact on financial resilience and strategic decision-making.
- Qualifications: Experience in banking analytics, strong financial modelling skills, and knowledge of IFRS9.
- Other info: Dynamic role with potential for extension and excellent career growth opportunities.
The predicted salary is between 36000 - 60000 £ per year.
Application Deadline: 29 October 2025
Senior Risk Analyst – 9 Month FTC
Shape capital and liquidity strategies at Cynergy Bank.
At Cynergy, we call it Human Digital Banking by combining the agility of a fintech with the trust of a traditional bank. As part of our Financial Risk team, you will play a key role in shaping our capital and liquidity strategies, delivering insights that drive sustainable growth.
Why Join Us?
We know the best people want more than just a job. At Cynergy you will find:
- Impact – Influence ICAAP modelling, stress testing, and balance sheet optimisation to strengthen our financial resilience.
- Growth – Work on strategic projects across Treasury, Finance, and Risk, building expertise in capital and liquidity management.
- Flexibility – Hybrid working (3 days in office, 2 from home).
- Culture – Collaborative, analytical environment where your insights matter.
- Rewards – Competitive salary, annual bonus, and a benefits package designed around you.
The Role
This is a 9-month FTC parental leave cover with potential extension. You will focus on financial risk analytics, supporting capital allocation, IFRS9 oversight, ICAAP stress testing, and liquidity risk management. Your work will directly inform strategic decisions and regulatory submissions.
In this role you will:
- Oversee IFRS 9 ECL calculations, reporting, and model validation to ensure accuracy and compliance.
- Lead ICAAP stress testing and scenario analysis, ensuring robust capital planning.
- Provide analytical insights on balance sheet risk, capital efficiency, portfolio overview and liquidity forecasting.
- Collaborate with Treasury, Finance, and Risk teams to embed risk analytics into decision-making.
- Prepare clear, actionable reporting for senior management and regulatory reviews.
What You will Bring
- Background in banking, financial services, or regulatory environments, ideally from analytics or risk teams.
- Strong analytical and financial modelling skills, with experience in ICAAP, stress testing, or liquidity risk.
- Good understanding of IFRS9 (ECL) + Macroeconomics
- Solid understanding of balance sheets, capital allocation, and regulatory frameworks (Basel, PRA/FCA).
- Proficiency in Excel and risk tools such as Python or Power BI is a plus.
- Ability to communicate complex concepts clearly and collaborate across teams including exco
Who are we
Cynergy Bank is the UK’s human digital bank, serving scale-up businesses, professionals, and individuals who value personal service enabled by great technology. We recognise that professional and personal lives often overlap, and our mission is to help customers achieve their ambitions by supporting all their interdependent banking needs.
Our human-and-digital model transforms banking for customers who want face-to-face relationships backed by innovation. Since 2018, we have lent over £3bn to scaling businesses and partnered with firms like Google Cloud, Cigniti, and Slalom to deliver the future of banking.
We are guided by our values — putting customers first, embracing innovation, working as a united team, and always doing the right thing.
Learn more about us here: cynergybank.co.uk/about-us
Benefits & Rewards
At Cynergy Bank, we believe in supporting you inside and outside of work — from financial wellbeing to health, career growth, and community impact.
Some of our benefits include:
- Attractive salary + annual bonus
- 25–30 days holiday (with the option to buy 10 more)
- Award-winning pension savings scheme
- Healthcare, life assurance, and income protection
- Hybrid working (3 days office, 2 from home)
- Training and development opportunities
And that’s not all! From lifestyle discounts to recognition awards and volunteering initiatives, our benefits are designed to keep you supported and thriving.
Explore the full package here: cynergybank.co.uk/about-us/careers/benefits-and-rewards
This advert highlights the core responsibilities and requirements. A fuller job description will be shared with shortlisted candidates. Even if you don’t meet every requirement listed, we encourage you to apply as we are interested in potential as well as experience.
At Cynergy, we also use anonymous screening at the first stage of recruitment, ensuring every application is reviewed fairly, based on skills and experience alone.
Apply now to lead the way in liquidity solutions and help shape the future of human digital banking at Cynergy.
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Senior Risk Analyst (9-month FTC) employer: Cynergy Bank Limited
Contact Detail:
Cynergy Bank Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Risk Analyst (9-month FTC)
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and financial services sector. Attend industry events or webinars, and don’t be shy about asking for informational interviews. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for those interviews! Research Cynergy Bank and understand their values and mission. Be ready to discuss how your skills in risk analytics and capital management can contribute to their goals. Tailor your responses to show you’re a perfect fit for their culture.
✨Tip Number 3
Showcase your analytical skills! Bring examples of your past work in ICAAP, stress testing, or liquidity risk management to the table. Use data and insights to demonstrate how you’ve made an impact in previous roles – numbers speak louder than words!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re genuinely interested in joining Cynergy Bank and being part of their innovative team.
We think you need these skills to ace Senior Risk Analyst (9-month FTC)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that align with the Senior Risk Analyst role. Highlight your analytical skills, experience in ICAAP, and any relevant financial modelling expertise to catch our eye!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your background in banking and risk analytics makes you a perfect fit for Cynergy Bank.
Showcase Your Analytical Skills: Since this role involves a lot of financial risk analytics, be sure to include specific examples of how you've used your analytical skills in past roles. We love seeing real-world applications of your expertise!
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 shows us you’re serious about joining our team at Cynergy Bank!
How to prepare for a job interview at Cynergy Bank Limited
✨Know Your Numbers
As a Senior Risk Analyst, you'll be dealing with complex financial data. Brush up on your knowledge of IFRS 9, ICAAP, and liquidity risk management. Be prepared to discuss how you've applied these concepts in previous roles, as this will show your expertise and confidence.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical prowess during the interview. Bring examples of past projects where you led stress testing or capital allocation strategies. Use clear, actionable insights to illustrate how your work has influenced decision-making in your previous roles.
✨Collaborate and Communicate
Cynergy Bank values collaboration across teams. Think of instances where you've worked with Treasury, Finance, or Risk teams. Be ready to explain how you communicated complex concepts clearly and effectively, as this will highlight your ability to work in a team-oriented environment.
✨Research Cynergy Bank
Familiarise yourself with Cynergy Bank's mission and values. Understand their approach to human digital banking and how they support their clients. This knowledge will not only help you tailor your responses but also demonstrate your genuine interest in the role and the company.
