Credit Risk Analyst - London, United Kingdom - GradBay

Description

Job Title:
Credit Risk Analyst

Location:

London (hybrid, 3 days in office, 2 days remote) The Company An industry changing VC backed FinTech disrupting the B2B credit lending space by funding the global startup and scaleup community by helping them split their invoices over 12 months at 0% interest.

Your Role You will join the team as Credit Risk Analyst, responsible for developing and owning a variety of positions across risk, including collections, underwriting, portfolio analysis, reporting, fraud and strategy.

The role will be naturally fluid as the business grows.

Whilst there are key areas you will be focused on, this is a chance to join a business that is in their early stages of its development.

This gives the opportunity for someone to come in and influence how the company operates and delivers the best possible solutions, with the aim that the successful candidate will develop to potentially lead an area of risk as the business grows.

Help to manage the collections strategy
Monitor the performance of the live portfolio
Lead the QA of credit and operational processes to help establish a robust credit risk framework.
Assist in Anti Money Laundering compliance requirements

This role suits an individual with a passion for understanding businesses and their needs, to assist in developing the risk management functions and helping founders achieve their growth ambitions.

Credit Risk Underwriting Experience:

Proven ability to assess commercial loan applications, with a strong focus on analysing financial statements to identify and mitigate risk.

SME Credit Expertise:

Be able to demonstrate experience in SME lending, staying current on legal, compliance, and market risk factors to ensure sound lending practices.

Combine strong commercial acumen with sharp analytical skills.


Drive to Innovation and Automation:
Driven to develop data-driven solutions and leverage technology to streamline risk assessment processes.

Have a rounded experience in a variety of risk-related roles and be able to apply this knowledge to a wide range of positions.

Have experience in business credit underwriting, ideally in SME B2B space and underwriting alternative financial products.

Central to the collections aspect of the role, the candidate must also have experience in communicating, negotiate with customers and work with external collection agencies in order to settle outstanding arrears and optimise recoveries.

28 Days Holiday (not including Bank Holidays)
~ Financial wellbeing and discounts via Mintago
~ Private Health Insurance
~ Flexible working