At FCE Bank plc (the captive finance arm of Ford Motor Company), we help millions of customers go further by making vehicles accessible and affordable. We are seeking a dynamic Credit Risk Analyst - Commercial to join our Risk Management team. In this role, you will act as a vital Second Line of Defence (SLOD), safeguarding the bank against credit losses while enabling sustainable business growth. Working within our Commercial and Wholesale Credit Risk team, you will help shape how we originate, monitor, and manage loans and leases. You will leverage data-driven insights to monitor portfolio health, partner with operational teams, and design robust underwriting frameworks. If you are an analytical thinker who thrives in a fast-paced environment and enjoys collaborating with diverse stakeholders, this is your opportunity to drive real‑world impact in a global organisation.
Essential
* Experience in Commercial and Wholesale underwriting.
* Experience supporting materials presented to Credit and Policy Committees.
* Demonstrated ability to assess external market risks and translate them into credit risk impacts.
* An analytical, data‑driven mindset with a history of solving complex business challenges.
* Strong communication and relationship‑building skills, with experience collaborating across internal teams and presenting to leadership.
* Ability to operate effectively in a fast‑moving environment.
Desirable
* Familiarity with emerging AI/IT tools to streamline internal data workflows and MI reporting.
* Experience building test plans and executing UAT/testing for change programs.
* Experience implementing digital risk products, services, or credit scorecards.
* Experience developing underwriting guidelines, credit policies, or procedures.
Additional Information: This is a UK position and applications will only be accepted from current UK permanent employees (FCE employees only). The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race, religion or belief, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment or disability. This is a full‑time role, however we are keen to encourage applications from applicants who work flexibly including job‑share applicants, who would like to work with another job‑share applicant to do this role (even if you currently do not have a job‑share partner). The Job Share Connect tool allows you to create your profile and then find a job share match. This position is based in Dunton, and it is expected the successful candidate will be able to attend the Dunton for typically 4 days a week and remain flexible on the days they are required to attend the office according to business requirements.
Responsibilities
* Portfolio Monitoring & MI: Develop and maintain Management Information (MI) frameworks to dynamically track and report on credit risk metrics (KRIs, KPIs, and risk appetite).
* Risk & Variance Analysis: Perform variance analyses to identify and explain portfolio shifts driven by borrower behavior, macroeconomic trends, and market developments.
* 1LOD Partnership: Partner with First Line of Defence (1LOD) operational teams to enhance credit processes, underwriting expertise, and product originations.
* Emerging Risk Mitigation: Identify emerging credit risks through internal data and external market scanning, recommending actionable mitigation strategies.
* Originations Infrastructure: Support underwriting guidelines development and integrate qualitative and quantitative scorecards.
* Testing & Validation: Formulate and execute test plans to ensure the seamless deployment of scorecard enhancements and system upgrades.
* Committee Support & Oversight: Provide Second Line of Defence (2LOD) oversight for Credit Committee proposals and support policy committee materials.
* Policy & Assurance: Maintain credit risk policies and facilitate portfolio assurance activities to ensure compliance with risk appetites.
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