At a Glance
- Tasks: Analyse credit risk policies and support decision-making in a dynamic team.
- Company: Join Ayvens, a leader in sustainable mobility solutions.
- Benefits: Enjoy competitive salary, pension scheme, and generous leave policies.
- Other info: Inclusive workplace committed to diversity and personal development.
- Why this job: Kickstart your career in credit risk with real impact on responsible lending.
- Qualifications: Degree in finance, economics, or related field; strong analytical skills required.
The predicted salary is between 59400 - 72600 £ 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.
Start Your Career in Credit Risk with a Growing Market Leader
Do you have a curious mind, a passion for problem-solving, and an interest in how businesses make responsible lending decisions? We're looking for a Graduate Credit Policy Analyst to join our Bristol-based Credit Risk team. This is an exciting opportunity to build a career in credit risk, policy, and analytical decision-making within a growing and dynamic organisation.
The Credit Risk Department plays a critical role in ensuring the business lends responsibly and within its defined risk appetite. We are responsible for recommending, implementing, and monitoring the strategies, policies, and controls used to quantify and manage credit risk across all lending channels.
As a Graduate Credit Policy Analyst, you'll work alongside experienced risk professionals, developing the skills and knowledge needed to influence lending decisions, improve risk frameworks, and support the ongoing optimisation of our credit risk strategy.
What You'll Be Doing
- Monitoring credit risk policies, controls, and processes to ensure the business operates within its defined risk appetite.
- Supporting the continuous improvement of the credit risk management framework.
- Assisting with the development and enhancement of controls used to assess compliance with policies, regulatory requirements, and Group standards.
- Conducting detailed case-level reviews of underwriting decisions and providing constructive feedback to operational teams.
- Working with colleagues to identify opportunities to optimise credit risk strategies, policies, and decisioning processes.
- Supporting risk monitoring activities and helping track actions arising from audits, control reviews, and regulatory recommendations.
- Producing analysis, reporting, and insights to support informed risk-based decision making.
- Contributing to the governance framework that underpins effective credit risk management.
What We're Looking For
We're seeking a graduate who is eager to learn, intellectually curious, and motivated to develop a career within Risk and Financial Services.
Essential Skills & Attributes
- Degree educated (or equivalent qualification) in a numerate, analytical, or business-related discipline such as Finance, Economics, Mathematics, Statistics, Data Science, Business, or similar.
- Strong analytical and problem-solving skills with excellent attention to detail.
- Naturally inquisitive, with the confidence to ask questions and challenge thinking constructively.
- Strong written and verbal communication skills, with the ability to explain complex information clearly to different audiences.
- A proactive approach to learning and continuous professional development.
- High levels of integrity, professionalism, and resilience.
- Strong IT literacy, including Microsoft Office applications, particularly Excel.
Desirable
- Previous internship, placement year, or work experience within financial services, risk, lending, underwriting, or analytics.
- Understanding of credit risk, lending, banking, or financial services.
- Experience using data analysis tools or working with large datasets.
- Knowledge of underwriting processes within consumer (B2C) or commercial (B2B) lending environments.
What we can offer
- 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.
- Life Assurance, Health assessment options, Travel insurance, Dental insurance, Critical illness cover, Personal accident insurance.
- 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).
- 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 3.1 million vehicles managed across more than 40 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.
Graduate Credit Policy Analyst employer: LPUK LeasePlan UK
At Ayvens, we pride ourselves on being an exceptional employer, offering a vibrant work culture that champions diversity and inclusion while prioritising employee well-being. As an Account Manager - Broker Partnerships, you'll enjoy competitive financial benefits, generous time off, and opportunities for personal development, all within a supportive environment that encourages creativity and collaboration. Located in the North & Scotland, you will be part of a forward-thinking team dedicated to shaping the future of sustainable mobility, ensuring your contributions are valued and impactful.
StudySmarter Expert Advice🤫
We think this is how you could land Graduate Credit Policy 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 LPUK LeasePlan UK. 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 Graduate Credit Policy 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 LPUK LeasePlan UK.
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 LPUK LeasePlan UK'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 LPUK LeasePlan UK
✨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 LPUK LeasePlan UK.
✨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 LPUK LeasePlan UK 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 LPUK LeasePlan UK 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.
