Credit Risk Analyst

Salary: From £30,000, depending on experience.

VF Corporation has a brilliant opportunity for a new Credit Risk Analyst to join our EMEA Credit and Finance team in Calverton, Nottinghamshire, working on a hybrid basis! VF is a global fashion and apparel company connecting people to the lifestyles they cherish through our family of iconic brands. At the heart of our journey lies our purpose: We power movements of sustainable and active lifestyles for the betterment of people and our planet.

How You Will Make a Difference

As the Credit Risk Analyst, your primary objective is to assess and manage credit risks across our EMEA customer portfolio, by examining financial data for new and existing customers seeking to expand and develop their accounts. The role involves devising credit scoring models, analysing economic trends and collaborating with various departments all across the EMEA region. Furthermore, the Credit Risk Analyst will generate risk-related reports, oversee credit limits and present their insights to management, thereby enhancing successful risk strategies and ensuring business security and stability.

Your responsibilities will include a variety of the following duties on a daily, weekly and monthly basis:

• Analysing customer financial accounts and approving credit limits and payment terms, to minimize risk as well as generate future sales and develop long-standing, profitable relationships with the new customer base.
• Maintain a detailed overview of customer master data and relevant risks, adhering to company policies and legal requirements when managing data systems.
• Monitor macro and micro economic data and trends in order to anticipate risks.
• Provide detailed and up to date reports and data to senior management with commentary, supporting strategic business decisions regarding credit risk policies and scoring models.
• Act as a key point of contact with credit rating agencies, collaborating with cross-functional teams and providing risk-related training to relevant departments.
• Participate in risk-based meetings and preparing/presenting credit risk reports to senior management, highlighting key risk indicators and areas of concern or opportunity for improvement.

Skills for Success

The successful candidate for the position will possess several of the following key attributes and skill sets:

• A background in a credit-related function, risk management, finance, accounting and/or an analytical role.
• A degree or higher education/qualification in a related field (maths, business administration, finance, accounting etc.), could be beneficial but not essential.
• Excellent communication skills in both written and verbal English communication, with the ability to build strong working relationships and present in an effective and influential manner.
• A working knowledge of analytical tools, Microsoft Office applications, Excel, VBA or Power BI.
• A comprehensive understanding of financial statements including Balance Sheet, Profit & Loss Statement and Cash Flow Statements.
• Strong stakeholder management skills, an analytical mindset with a focus on accuracy and attention to detail.
• Excellent negotiation and influencing skills.
• Adaptability, lateral thinking, a proactive approach.

What’s in it For You

We’re in the business of unleashing human potential, driven by the ideas, energy and commitment of our people. That’s why we offer comprehensive benefits that encourage mental, physical and financial well-being for all VF associates. When it comes to benefits, we’re the total package:

• A supportive feedback-based culture where respect and integrity guide us in what we do.
• An inclusive international environment where people of diverse backgrounds, lifestyles and nationalities love working together.
• Being part of an iconic lifestyle brand in a multi brand, multi countries organization.
• 50% employee discount on all VF brands both in store and online.
• Subsidised canteen and break out areas offering complimentary hot drinks.
• Health Shield membership and access to numerous health and wellbeing initiatives.
• Employee Assistance Program, offering access to free services such as Mental Health and wellbeing support as well as legal and financial advice.
• 25 days holiday (plus bank holidays) rising to 29 with length of service and your birthday off.
• 12% contributory smart pension scheme (8% on us, 4% from you).
• Cycle to work scheme.
• Free secure onsite parking and discounts with local public transport.

Free to Be, Inclusion & Diversity

As a purpose-led, performance driven company, we strive to foster a culture of belonging based on respect, connection, openness and authenticity. We are committed to building and maintaining a workplace that celebrates the diversity of our associates, allowing them to bring their authentic selves to work every day. As an equal opportunity and affirmative action employer, VF is committed to support disadvantaged groups whilst providing equal opportunities for both VF associates and applicants alike.

We have one question...are you in?