Graduate Credit Policy Analyst

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

Rewards & Financial Benefits

• 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

Health & Wellbeing

• Life Assurance
• Health assessment options
• Travel insurance
• Dental insurance
• Critical illness cover
• Personal accident insurance

Time Off & Work–Life Balance

• 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)

Workplace & On-Site Facilities

• 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. What’s the worst that can happen?!