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. Tremendous opportunity to join Ayvens and progress your career as Senior Credit Risk Analyst where you as the successful applicant will assess and provide decisions on high value credit applications. It’s expected that you’ll already be an SME in this area ensuring all financial, quality, regulatory, responsible lending and service requirements are met. Responsibilities Evaluating the risks associated with the counterparty’s creditworthiness, relying on the analyst’s issued opinion. Analysing complex credit data and financial statements for large value fleet. Assess and decision on high level value credit applications (c1Mill) in line with business risk appetite and company policy and procedures. Make credit decisions within the local authority and over credit analyst LoD1 signing authority, as defined in the delegation letter. Liaising with Central Credit risk and PCRUs when no country lending authority exists. Producing robust governance and auditing on application decisions ensuring outcomes are compliant with the credit approval process and are in line with delegated credit authorities Monitor, assess and remediate competence for credit granting processes. Deliver operational effectiveness, achieving productivity and quality targets and objectives set by the business. Continuously review Operational processes to enable maximum efficiency and timely updating and governance process for Standard Operating procedures. Involvement in ad-hoc projects / process reviews providing ideas to improve the E2E client journey. Contributing to improvements to processes and policy that balance risk with customer service. Managing and building internal relationships with key functions within the business. Delivering training/feedback to team to support the development of Risk Operations Team, as well as individual developmental goals. Timely escalation of any issues on policy, procedures, or decision process to the management team. Deputise for the Manager of the team Skills, Experience & Background Technical Capabilities: Extensive credit risk knowledge Strong research and analytical skills Customer due diligence for on boarding and in life knowledge Strong financial analysis and accounting capabilities Experience of risk management, governance and controls In depth knowledge of legal entity types and complex company structures Technical proficiency of data utilisation, dessimination and decisioning Desired Previous Experience: Previous experience in a comparable role in the financial services sector Broad knowledge of UK regulated and finance industry. Competencies Experience of customer interaction and relationship management Excellent communication and engagement skills Proactive time management & organisation skills with the ability to manage changing priorities Evidence of critical thinking, highlighting an ability to analyse and evaluate information resulting in informed decisions. Experience of coaching and mentoring IT Applications: Knowledge of Companies House, Data Companies that provide structures and financial information and MS office suite Computer skills, including specialized underwriting software and common programs like Word and Excel What We Can Offer Competitive salary in addition to 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 Eligibility for Annual Bonus Scheme 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, car parking 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. *ALD Automotive | LeasePlan are rebranding to Ayvens across all 42 countries by 2025.