At a Glance
- Tasks: Assess credit risk and manage large client portfolios while innovating processes.
- Company: Join Pliant, a cutting-edge B2B payments platform transforming financial workflows.
- Benefits: Competitive salary, remote work flexibility, and a Pliant Card for food and fun.
- Other info: Inclusive workplace with opportunities for professional growth and development.
- Why this job: Be part of a dynamic team making impactful decisions in the fintech space.
- Qualifications: 3-6 years in credit risk assessment with strong analytical skills.
The predicted salary is between 56700 - 69300 £ per year.
Pliant is a modular B2B payments platform that combines commercial card issuing, payment accounts, FX, and spend management in one system - adapting to existing setups rather than requiring customers to replace them. Businesses across industries such as travel, e-commerce, and insurance use Pliant to manage complex payment workflows with cards, backed by credit lines Pliant underwrites itself.
As a Credit Risk Manager, you will be responsible for credit risk assessment of our EEA and UK SME and corporate clients. You will own a book of large credit exposures. In addition to case processing, you will be involved in continuously improving our standards, documentation and tech stack. You will work closely with colleagues from Sales, Legal, Operations, Product, Data and Risk teams.
WHAT YOU'LL DO
- Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are.
- Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude.
- Credit decision: Decide on limit requests of our customers within your delegated authority and help us build and maintain a performing loan book.
- Risk ownership: You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you present to the credit risk committee.
- Innovation: You get to the heart of complex operational workflows and systems. You understand how to systematize business problems and design smart solutions.
- Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues.
WHAT YOU'LL BRING
- Minimum 3-6 years of operational experience in credit risk assessment for EEA or UK corporate or SME customers from a bank or fintech.
- Strong knowledge of accounting principles and industry-specific financial analysis.
- Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions.
- Experience with tools used for loan processing, credit decisioning, and BI.
- Project management skills and demonstrated ability to design and steer complex projects end to end.
- Fluent English with very good writing skills. Other European languages are a plus.
WHAT WE OFFER
- The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence.
- Attractive remuneration.
- Flat hierarchy and transparent communication in a relaxed, professional atmosphere.
- Flexibility and possibility to work remotely.
Pliant is an equal opportunity employer. We welcome applications from people of all backgrounds, identities and abilities, and are committed to an inclusive hiring process.
Credit Risk Manager - LMM (m/f/d) in London employer: Pliant GmbH
Pliant is an exceptional employer, offering a dynamic work environment in the heart of London where innovation meets collaboration. With a strong focus on employee growth, Pliant provides opportunities to develop your skills within a flat hierarchy and transparent culture, alongside attractive remuneration and flexibility for remote work. Join a team that values knowledge exchange and empowers you to make a significant impact in the rapidly evolving fintech landscape.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Manager - LMM (m/f/d) in London
✨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 Pliant GmbH. 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 Manager - LMM (m/f/d) in London
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 Pliant GmbH.
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 Pliant GmbH'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 Pliant GmbH
✨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 Pliant GmbH.
✨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 Pliant GmbH 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 Pliant GmbH 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.
