Credit Analyst II

Credit Risk Analyst II – London Office (Hybrid)

We’re looking for an experienced Credit Risk Analyst to join our Credit Risk team and help us unleash the potential of every business.

London office only – Hybrid Working Option Available.

• Oversee the initial underwriting of new customers and the end-to-end credit risk management of existing merchants within an assigned portfolio.
• Conduct credit risk reviews of potential or existing clients.
• Proactively engage with commercial teams to find solutions that maximise onboarding opportunities.
• Respond to client‑specific alerts and trigger events as required, including requests for additional products or services.
• Maintain limit and approval systems in relation to the assigned portfolio.
• Work closely with the Legal team to negotiate and review bespoke contracts.
• Contribute to continuous improvement by identifying and implementing process changes.
• Undertake ad‑hoc tasks in support of overall credit risk exposure management.

• Minimum of 3 years' experience in a credit risk or financial analysis role.
• Strong ability to articulate and explain recommended actions to non‑credit risk colleagues and clients.
• Capability to formulate solutions for new opportunities or challenging financial distress scenarios.
• Excellent verbal and written communication skills; good written English is essential.
• Strong computer skills, including proficiency with Microsoft Office products, specifically Microsoft Excel.
• Ability to prioritise competing tasks, work autonomously and meet tight deadlines.