Credit Risk Analyst

Job description

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. Job holder needs to analyze the credit requests and give recommendation for Ayvens Group Entities and to ensure that is compliant with all relevant regulations and company policy. To achieve this, the job holder needs to perform the following tasks. Responsibilities: Analyze the credit requests from Ayvens Group entities’ and ensure that is compliant with all relevant regulations and company policy Analyzing data from multiple sources and files according to the quality agreements Ensure quality of the analysis made for credit requests, regarding the risk associated with the client from a creditworthiness perspective Ensure to receive quality and complete documentation for each credit request Support Risk and Sales teams for continuous improvement Understand and demonstrate proficient use of system tools and procedures Request additional documentation from Sales teams to ensure clarity and consistency for recommendation/decision Give feedback to Ayvens Group entities for improvements on credit process Ensure high quality standards for the analysis of all the credit requests received, Provide technical support/ training to the teams, with the required frequency, so that the Credit process is performed in an efficient, high quality and professional manner Maintain the risk analysis updated as per the latest procedural/ policy changes Propose improvements to the Risk process as per the knowledge gathered from other Ayvens Group entities, Preparation of analyzed credit requests reporting to stakeholders, with the given frequency or whenever requested Job requirements: Strategic thinker with a focus on driving results and continuous improvement. Excellent communication and interpersonal skills, with the ability to influence and negotiate effectively at all levels of the organization. University degree/diploma ( e.g. in Law, Economics etc ) Knowledge of MS Office suite Experience in the Finance and Banking industry environment is a plus Minimum 2 years of experience with a financial institution or equivalent detailed process (preferably in the Credit Analysis/ Risk Analysis/ Lending area) Fluent in English written and spoken / Any other language spoken is a plu s As a member of our team, you will benefit from: 25 days of annual leave; 1 sick day/year; 1 day off for your birthday; Family Private healthcare subscription at Sanador/Regina Maria ; Monthly budget in Benefit Platform; Holiday gifts for Easter, Christmas through Benefits Platform; Loyalty bonus at 3 and 5 years seniority in company; Special events bonus (marriage, child birth, other); Opportunities and trainings for ongoing professional growth and career advancement; Hybrid work setup - 3 days/week in the office (Timpuri noi metro station); Discounts for dental care from Edent clinic; Massage in the office on Tuesday and Wednesday. Why Ayvens? With over 3.1 million vehicles managed across more than 40 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive. At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are. Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed. Follow our page for the latest updates, news, and insights.