Credit Risk Graduate in Maple Cross

At Mobilize Financial Services, part of the Renault Group, we are a financial services provider focused on delivering customer-centric solutions that support our customers throughout their journey.

We offer a dynamic and collaborative environment where you can build a meaningful career. Driven by integrity, innovation, and teamwork, we are committed to delivering high-quality customer experiences while supporting the growth and development of our people.

With opportunities across IT, finance, marketing & digital innovation and customer experience, this is your chance to be part of a global business where your development truly matters.

Learn more about us: Mobilize Financial Services

About the Role

The Credit Risk Graduate Analyst will support the delivery of the Bank's Credit Risk strategy through the analysis, monitoring and management of portfolio performance, credit risk policies and risk reporting activities.

Working within a collaborative and supportive environment, the role will provide exposure to a wide range of Credit Risk disciplines including portfolio management, credit strategy, forecasting, governance, risk modelling and regulatory risk management.

The successful candidate will develop analytical, technical and commercial skills whilst contributing to key risk management activities and strategic initiatives across the Credit Risk function.

This role offers an excellent opportunity to build a long-term career in Credit Risk through structured development, on-the-job learning and exposure to senior stakeholders across the organisation.

Responsibilities

• Analyse portfolio, customer and business performance data to identify trends, risks and opportunities.
• Support the production of regular management information, dashboards and risk reporting for senior management and governance committees.
• Assist in monitoring portfolio performance against key risk metrics, risk appetite measures and business objectives.
• Support the development, implementation and monitoring of credit strategies, policies and risk frameworks.
• Contribute to forecasting, impairment (IFRS9) and portfolio performance analysis activities.
• Assist with governance activities, including preparing reports, presentations and committee materials.
• Support ongoing projects and continuous improvement initiatives across the Credit Risk function.
• Work with colleagues across Credit Risk, Finance, Operations, Data and Technology teams to deliver business objectives.
• Gain exposure to credit risk modelling activities, supporting model monitoring, validation and analytical investigations where required.
• Develop technical, analytical and commercial expertise through structured learning and practical experience across multiple Credit Risk disciplines.

Knowledge and Skills

• Degree (or expected degree) in a quantitative, analytical, business or related discipline.
• Strong analytical and problem-solving skills.
• Excellent numerical ability and attention to detail.
• Strong communication and interpersonal skills.
• Good Microsoft Excel skills; knowledge of SQL, Power BI, Python or similar tools would be advantageous.
• Curious, proactive and eager to learn.
• Able to manage multiple priorities and work effectively both independently and as part of a team.
• Interest in Financial Services, lending and risk management

Main Contacts

• Credit Risk
• Credit Operations
• Compliance
• Customer Operations
• Residual Value
• Finance
• Head Office
• External Partners and Suppliers

Individual Conduct Rules

• Acting with integrity.
• Acting with due skill, care, and diligence.
• Being open and cooperative with regulators.
• Treating customers fairly and with respect.
• Observing proper standards of market conduct.
• Ensuring effective control of the firm's business.

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