At a Glance
- Tasks: Analyse financial data to minimise bad debt and support business growth.
- Company: Join DS Smith, a leader in redefining packaging with a diverse culture.
- Benefits: Enjoy competitive salary, bonus, 25 days holiday, and hybrid working.
- Other info: Dynamic team environment with opportunities for professional development.
- Why this job: Make a real impact on financial decisions and drive positive change.
- Qualifications: Bachelor's degree or accountancy qualification; strong credit analysis experience preferred.
The predicted salary is between 30000 - 40000 £ per year.
Our Caerphilly office has an exciting opportunity in our Credit and Collections team for a Credit Risk Analyst to join the team. Your primary role as a Credit Risk Analyst will be to help protect DS Smith’s investments by minimising bad debt and assisting the continued growth of the business. You’ll be responsible for setting and monitoring customer credit limits, maintaining customer master files, and making recommendations to key stakeholders in the wider business.
Responsibilities
- Analysing financial reports, payment history and sales information to support credit recommendations.
- Working with Credit and Collections team members and Finance colleagues throughout the UK to understand business priorities and challenges.
- Working with credit insurers and other 3rd parties to maximise available financial information, allowing us to make more informed commercial decisions.
- Monitoring exposure levels against agreed credit limits and acting in accordance with our credit policy.
- Supporting change in DS Smith, encouraging policy and process improvement in areas where we identify opportunity.
About you
- Bachelors degree in a relevant subject, or accountancy qualification.
- Experience in a Credit Risk role.
- Strong Credit Analysis experience is desirable, with the ability to review reports and make recommendations.
- Advanced Excel skills.
- Excellent communication skills with the ability to present to various stakeholders.
- SAP and ERP (Navision) experience would be advantageous.
- Language capabilities advantageous.
Benefits
- Competitive salary.
- Discretionary bonus.
- 25 days holiday, plus bank holidays.
- Pension scheme, life assurance and income protection.
- Sharesave scheme.
- Digital GP Service.
- Employee assistance programme.
- Cycle to work scheme.
- Retail discounts.
Location
Caerphilly - we operate a hybrid model, so you'll spend 3 days a week in the office and 2 at home as standard.
Equal opportunities statement
Fair recruitment at DS Smith. To fulfil our purpose of redefining packaging for a changing world, we aim to build a diverse, motivated, and engaged workforce. Our goal is to create a culture of inclusion where everyone is treated fairly, differences are valued, and everyone has an equal opportunity to succeed.
Credit Risk Analyst in Caerphilly employer: DS Smith Europe
At DS Smith, we pride ourselves on being an excellent employer, offering a supportive work culture that values diversity and inclusion. Our Caerphilly office provides a hybrid working model, allowing for flexibility while fostering collaboration within our Credit and Collections team. With competitive benefits, opportunities for professional growth, and a commitment to employee well-being, we empower our staff to thrive in their roles and contribute meaningfully to our mission of redefining packaging for a changing world.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst in Caerphilly
✨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 DS Smith Europe. 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 in Caerphilly
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 DS Smith Europe.
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 DS Smith Europe'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 DS Smith Europe
✨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 DS Smith Europe.
✨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 DS Smith Europe 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 DS Smith Europe 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.
