Working at 4most
We are not your typical consultancy firm; our purpose is to redefine consulting by enabling all our people to flourish and excel. We have over 250 consultants working in credit risk, data, market risk, life insurance, and general insurance across multiple sites – London, Leeds, Edinburgh, Dublin, Amsterdam, Dubai, and Bengaluru. We value every individual’s contribution to the company's success, with colleagues owning a significant share of the business, and we have ambitious plans to grow further.
As experts in our field, we are passionate about what we do and embrace diversity. We’ve created a fun and innovative environment where technical minds flourish. Individual success is measured by the unique value you bring to the community, not by team size or hours worked. We encourage our people to think differently and challenge the status quo.
Our people are our biggest asset. We have been voted the Best Company to work for at the 2023 Credit Strategy Awards, Women in Credit Employer of the Year for 2023, and Best Management Consultancy Firm MEA Finance UAE 2022. We reward teamwork and believe in sharing value with all contributors.
We are dedicated to making a difference, taking bold steps to reduce emissions and achieve carbon neutrality (including scope 1, 2 & 3) by 2025. As an aspiring B-Corp, we seek to work with people and clients who share our values.
What You’ll Do
As a Consultant at 4most, you’ll work on advisory projects at banks, ranging from large global banks to regional lenders. You will collaborate with other 4mosters and client teams on various projects. Responsibilities may include:
* Developing credit risk models for regulatory and business purposes, focusing on IRB and IFRS 9.
* Validating and challenging these models regarding design, performance, and implementation.
* Conducting stress testing exercises, from operational execution to model development and validation.
* Processing large credit risk datasets and assessing or improving data quality.
* Integrating ESG considerations across data, models, and risk processes.
* Interpreting and implementing regulatory requirements and supervisory expectations.
* Remediating supervisory findings (ECB/DNB).
* Presenting and discussing results with senior management.
* Supporting business development activities, such as client events, meetings, workshops, pitching, and proposal drafting.
Your Background
* At least 2 years of experience in risk, analytics, or data science within banking, consulting, or regulatory bodies.
* Significant experience leading teams and delivering projects, providing guidance to colleagues.
* Deep technical expertise in financial risk management, with hands-on experience in IRB, IFRS 9, or Stress Testing models.
* Proficiency in data processing and analysis using Python, SAS, SQL, or R.
* Knowledge of UK or European banking prudential regulation and supervision.
* Strong verbal and written communication skills, with the ability to simplify complex topics.
* Excellent command of English.
* Passion for impactful analysis, continuous improvement, and attention to detail.
Benefits
Salary dependent on experience, plus:
* 25 days' holiday (freedom holiday scheme)
* Annual bonus
* 50% sponsorship for relevant courses (e.g., professional qualifications, Masters, PhD)
* Private health insurance
* Juno wellbeing platform: £50/month for wellbeing and fitness-related expenses
* Mobile phone bill reimbursement (up to £40/month)
* Pension scheme (company matches contributions between 4.5% and 6%)
* Death-in-service life assurance at 3x salary
* Income protection
* Electric Vehicle scheme
* Cycle-to-work scheme
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