Credit Risk Analyst

## Credit Risk Analyst Apply 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.

The mission of the Risk & Compliance division is to nurture a mature risk and compliance environment which enables good outcomes, responsible risk taking and informed decision making, as well as providing assurance to our colleagues, customers and stakeholders.
*** As a result of growth we’re currently seeking an additional Credit Risk Analyst to join our Bristol based team, reporting to the Credit Risk Manager (Portfolio)
***** Purpose
* ** Ensure the business continues to lend responsibly and the portfolio is managed within agreed risk appetite.
* Support the ongoing optimisation of credit risk policies and strategy by producing analysis and insight into current portfolio and market trends.
* Contribute to a data-led ethos in decision making within the business.
** Responsibilities
* ** Support the Portfolio team in the analysis and assessment of existing and emerging credit risks.
* Monitor and optimise the credit strategy, credit risk appetite and policies, across the credit lifecycle, to ensure these remain robust and aligned to strategic objectives, Ayvens Group standards and regulatory requirements.
* Develop and monitor key performance drivers and portfolio forecasts.
* Perform monitoring for portfolio-level activities, such as limit and exposure management, concentration risk management and default management.
* Produce management information and ad-hoc analysis, providing insight to senior management and the wider business.
** Skills, Experience & Background
*** An analytical, detail-orientated and inquisitive mind-set, focussed on pragmatically solving real-world problems, and demonstrated with experience in a previous analytical role.
* Refined communication skills, both verbal and written, and an ability to tailor this to simplify complex topics for a broad audience.
* Driven to continually develop professional knowledge and skills, and adept at researching and applying new techniques or technologies.
* Demonstrates professionalism, integrity and honesty in all work activities. Demonstrates resilience when faced with challenging situations. Able to empathise whilst remaining impartial.

Technical Capabilities:
* High standard in IT literacy including office applications.
* Demonstrable coding experience, and knowledge of SAS/SQL/Python preferable.

Desired Previous

Experience:

* Highly numerical background in relevant area, such as statistics or business.
* Demonstrable interest in modelling, analytics or economics preferable.

Desirable Education and Technical Ability:
* A degree in a STEM subject or related field preferable.
** 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, Gym Flex 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, we would encourage you to apply regardless! What’s the worst that can happen?!
*** Why Ayvens?
** With over 3.4 million vehicles managed…