Duration: 12 Months
Location: London or Remote
Job Description
We are seeking a highly motivated Credit Risk Analyst to join the client team to mitigate credit risk of small businesses. Working in a new team at client, you will have in-depth understanding of the principles of portfolio and account level credit risk management, and will analyse data using tools - to distinguish risky accounts from opportunities across many different types of businesses. You will find creative ways to manage risk while improving customer experience, and will become a client product expert who has the opportunity to affect the product roadmap and user experience. The ideal candidate loves credit, has a strong attention to detail, and enjoys finding creative ways to manage risk while improving the customer experience. In this role you will report to the International Lending Operations Supervisor, and can be based anywhere in the United Kingdom.
Your Responsibilities:
1. Perform credit assessment and financial statement analysis on business loan applications for new and existing customers.
2. Monitor business loan accounts and perform recovery tasks where necessary.
3. Communicate with customers by email, including having investigative conversations.
4. Maintain accurate up-to-date process documentation and reporting.
5. Work with Risk, Legal, and Compliance to monitor policies and reduce loss.
6. Collaborate closely with Sales and Account Managers to support acquisition and provide ongoing support to existing customers.
7. Surface opportunities to improve tools, workflow and customer experience.
Qualifications You Have:
1. 2+ years experience working at a financial institution or payments provider.
2. A detective-like mentality with a desire to help customers.
3. A creative and eager mindset, and enjoy finding solutions.
4. Flexibility to adapt and able to manage multiple workflows while working independently.
5. Enjoys working in a fast-paced and rapidly changing environment.
6. Passion for client's mission of economic empowerment.
7. Optional: Experience within commercial lending, credit operations, or credit card services. Experience with financial analysis including reviewing financial statements.
Seniority Level
Associate
Employment Type
Contract
Job Function
Finance
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