Financial Risk Analyst

Location: Cumbria / North West England (Hybrid)

Salary: Up to £40,000 + Benefits

Contract: Permanent, Full-Time (35 hours per week)

We are working with an established financial services organisation looking to appoint a Financial Risk Analyst to support its financial risk management and oversight activities.

This is an excellent opportunity for someone with experience in Credit Risk, Liquidity Risk, Treasury, Capital Risk or wider Financial Risk who wants to broaden their knowledge and develop their career within a regulated financial services environment.

You will work closely with senior risk professionals, supporting the monitoring, analysis and reporting of financial risks while gaining exposure to prudential regulation, risk appetite and enterprise-wide risk management.

We are open to candidates with at least one year's relevant risk experience
, including those looking to transition from a specialist financial risk discipline into a broader role.

• Support the monitoring and assessment of financial risks, including credit, liquidity, capital and Treasury-related exposures.
• Analyse financial data, risk indicators and management information to identify emerging risks, trends and potential areas of concern.
• Contribute to financial risk reporting, including risk appetite monitoring, risk limits and key risk indicators (KRIs).
• Assist with oversight and review of Treasury activities, financial performance and risk management processes.
• Support regulatory risk assessments and prudential processes, including ICAAP, ILAAP and stress testing.
• Review and challenge financial risk information, identifying potential weaknesses and recommending improvements.
• Prepare clear risk reports and analysis for senior management and risk committees.
• Work collaboratively with Finance, Treasury and other business functions to support effective risk management.

• At least 1 year's experience in a risk-related role within banking, lending or financial services.
• Exposure to one or more financial risk disciplines, such as Credit Risk, Liquidity Risk, Treasury Risk, Capital Risk or Financial Risk Management.
• Strong analytical skills, with the ability to interpret financial information and identify risk trends.
• Experience working with data, management information or risk reporting.
• Good Excel skills and strong attention to detail.
• Confident communication skills and the ability to engage with stakeholders.

• Experience with in a bank, building society or other regulated lender.
• Understanding of PRA/FCA regulation or Basel prudential requirements.
• Exposure to ICAAP, ILAAP, capital adequacy, liquidity management or stress testing.
• Knowledge of risk appetite frameworks, KRIs or financial risk limits.
• Experience in second-line risk management or independent risk oversight.

The role offers a flexible hybrid working model, requiring attendance at the Cumbria office for one full working week per month
, with remote working for the remainder.

Travel and accommodation expenses are covered for eligible employees living approximately 50 miles or more from the office.

• Opportunity to develop broader financial risk expertise within a regulated financial services organisation.
• Exposure to Treasury, capital, liquidity and prudential risk management.
• Work alongside experienced risk professionals with opportunities for professional development.
• Flexible hybrid working arrangements.
• Competitive salary of up to £40,000 plus benefits.