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. An exciting opportunity within our Credit Operations Team where you as the successful applicant will, along with the team, be responsible for evaluating credit applications. The department is key to protecting the company from undue risk whilst also ensuring we provide a great customer experience. Offering a starting salary of £24,555 in addition to benefits this is a great entry level role for someone with an analytical mindset, great attention to detail and a head for numbers. Key Purpose: Complete credit underwriting decisions for regulated and non-regulated customer applications Ensure we adhere to due diligence procedures in line with Group compliance requirements Complete all activity in line with business risk appetite and company policies and procedures. Protect the company from undue credit and regulatory risk Summary of Responsibilities: Analyse and interpret financial information from a wide range of sources Decision on credit applications and declined application appeals completing a robust audit trail and within defined quality and efficiency standards Complete due diligence and know your customer checks Respond timely to customer verbal and written enquiries ensuring that all relevant information is communicated in line with company credit risk policy. Timely escalation of any procedural issues to the management team. Involvement in process document reviews and providing ideas to improve the E2E client journey. Communicate effectively with a wide range of contacts including internal colleagues, colleagues throughout the Société Générale group, customers and third parties Skills, Experience & Background Research and analytical skills having worked in a similar analytical position Previous experience within the Financial Services industry Proactive time management & organisation skills Good standard in IT literacy in particular Microsoft Office application Strong communication skills i.e., written, face to face, telephone Knowledge of credit underwriting processes would be advantageous but not essential Knowledge of financial services regulations would be advantageous. What We Can Offer Generous contributory pension scheme 25 days holiday, in addition to bank holidays Volunteering days to assist in charity work Sustainability Initiatives Holiday buy / sell (subject to conditions) Travel Insurance (cost associated) Dental Insurance (cost associated) Flexible working options available Study support (where applicable) Enhanced parental leave Generous Employee Referral Scheme (£1000) Cycle2work Scheme Free breakfast / fruit in the Bristol office EV charging points, bike storage, shower & changing facilities and car parking 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. *ALD Automotive | LeasePlan are rebranding to Ayvens across all 42 countries by 2025.