Graduate Credit Policy 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. Ensuring the business lends responsibly and within appetite across all channels the Credit Risk Department is accountable for recommending, implementing and monitoring strategies, policies and models used to quantify and manage credit risk. As a result of growth we’re currently seeking an additional Credit Policy Analyst to join our Bristol based team. Purpose Ensure the business operates within the defined credit risk strategy, policies and risk appetite. Support the development and performance of controls around credit risk decisioning, monitoring and operational processes. Define, maintain and continuously improve the framework and governance structure for credit risk management Responsibilities Support in the ongoing monitoring of credit risk policy and processes, and the continuous improvement of the credit risk management framework. Develop, perform and continuously improve key controls assessing the application of critical policies, processes and guidance, regulatory requirements and Ayvens Group standards, and support the delivery of credit risk supervisory controls provided by Ayvens Group Deliver detailed case-level quality assurance of underwriting assessments whilst applying expertise to provide feedback for Risk Operations. Support the Portfolio team in the ongoing optimisation of credit risk strategies, policies and processes. Support the co-ordination and monitoring of action plans following the local identification of risks, control feedback or audit or regulatory recommendations. Skills, Experience & Background Experience in an underwriting role within both B2C and B2B lending preferable. An analytical, detail-orientated and inquisitive mind-set, focussed on pragmatically solving real-world problems, and demonstrated with experience in a previous analytical role. Refined communication skills, both verbal and written, and an ability to tailor this to simplify complex topics for a broad audience. Driven to continually develop professional knowledge and skills, and adept at researching and applying new techniques or technologies. Demonstrates professionalism, integrity and honesty in all work activities. Demonstrates resilience when faced with challenging situations. Able to empathise whilst remaining impartial. Technical Capabilities: Proficient with tools and technologies critical within credit risk management, such as systems used for onboarding, lending strategy management, underwriting and risk monitoring. High standard in IT literacy including office applications. What we can offer Rewards & Financial Benefits Competitive pension scheme, Annual salary review and bonus scheme, Give As You Earn (GAYE) scheme, Employee referral scheme (£1,000) Retail discounts programme, GymFlex membership options, Cycle to Work scheme Health & Wellbeing Life Assurance, Health assessment options, Travel insurance, Dental insurance, Critical illness cover, Personal accident insurance. Time Off & Work–Life Balance 25 days’ annual leave + an additional Celebration Day, 37.5 hour week, Monday to Friday, no weekends, Holiday buy & sell scheme, Volunteer days , Time allocated for personal development, Study support (where applicable). Workplace & On ‑ Site Facilities Free parking (Limited), EV charging points, Bike storage & shower facilities, Complimentary breakfast, Staff and social events Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified. At Ayvens we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited by this, or any role at Ayvens but your experience doesn’t exactly align, we would encourage you to apply regardless! What’s the worst that can happen?! Why Ayvens? With over 3.4 million vehicles managed across more than 42 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.