Credit Risk Analyst

Credit Risk Analyst page is loaded## Credit Risk Analyst locations:
Bristol CECtime type:
Full time posted on:
Posted Todayjob requisition :
JR
** 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.

We're looking for a Senior Risk Operations Analyst with strong expertise to join our forward-thinking Risk and Compliance team. This is a fantastic opportunity to join the team responsible for contributing to the sustainable development of Ayvens activities and profitability by establishing a sound compliance management and monitoring framework to oversee compliance with group requirements and with UK laws and regulation.

Summary of responsibilities               
* Analyse customer documentation, credit data and financial statements to evaluate the risks associated with credit worthiness and due diligence requirements.
* Complete credit analysis and issue a credit opinion to LOD2 validation team if outside delegated authority.
* Complete credit analysis and decision to credit authorisation if within individual LOD1 delegated authority.
* Register all new customers in risk system following the customer registration completed by sales LOD
1.
* Perform customer due diligence on new-onboardings, remediation and / or periodic reviews for both personal and non-personal customers
* Produce a robust audit trail on all parts of application decisions ensuring outcomes are compliant with on boarding and origination approval process.
* Coordinate with the management team and risk teams to complete tasks and escalate issues in a timely manner to achieve service level agreements.
* Deliver operational effectiveness, achieving productivity and quality targets and objectives set by the business.
* Continuously review operational processes to enable maximum efficiency and timely updating and governance process for standard operating procedures.
* Involvement in projects process reviews, providing ideas to improve the end-to-end client journey.
* Implement decision making actions for effective daily workflow management.
* Ownership of risk operations procedures updating in line with risk, regulatory and compliance parameters.
* Contributing to improvements to processes and policy that balance risk with customer service.
* Managing and building internal relationships with key functions within the business
* Implement decision making actions for effective daily workflow management.
* Deputise for the Manager of the team Skills and Experience
* Ability to risk assess
* A strong analytical and inquisitive mind-set
* Excellent communication, influencing and negotiation skills.
* Customer service and relationship management
* Excellent communication and engagement skills
* Strong attention to detail and critical thinking skillset
* Is commercially astute when making decisions
* Confident to work autonomously whilst managing competing priorities.
* High standard in IT literacy including office applications.

What we offer
* Generous contributory pension scheme
* 25  days holiday, in addition to bank holidays(pro rata)
* Volunteering days to assist in charity work
* Sustainability Initiatives
* Holiday buy / sell (subject to conditions)
* Employee Referral Scheme
* Subsidised onsite catering
* EV charging points (cost associated), bike storage, shower & changing facilities and car parking

With over 3.4 million vehicles managed across more than 42 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. ALD Automotive | Lease Plan are rebranding to Ayvens across all 42 countries by 2025.
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