Graduate Credit Policy Analyst

About the role

Ayvens is looking for a Graduate Credit Policy Analyst to join its Bristol-based Credit Risk team. The Credit Risk department recommends, implements and monitors the strategies, policies and controls that quantify and manage credit risk across all lending channels. The graduate will work alongside experienced risk professionals to influence lending decisions and support the optimisation of the credit risk strategy.

Key responsibilities

• Monitor credit risk policies, controls and processes so the business stays within its risk appetite
• Support continuous improvement of the credit risk management framework
• Help develop controls for assessing compliance with policies, regulatory requirements and Group standards
• Review underwriting decisions at case level and give constructive feedback to operational teams
• Identify ways to optimise credit risk strategies, policies and decisioning processes
• Support risk monitoring and track actions arising from audits, control reviews and regulatory recommendations
• Produce analysis, reporting and insights for risk-based decision making

Required profile

• Degree (or equivalent) in a numerate, analytical or business-related subject such as Finance, Economics, Mathematics, Statistics, Data Science or Business
• Eager to learn, intellectually curious and proactive about professional development
• Desirable: previous internship, placement year or work experience in financial services, risk, lending, underwriting or analytics
• Desirable: understanding of credit risk, lending or banking, and knowledge of underwriting in consumer or commercial lending

Required skills

• Strong analytical and problem-solving skills with attention to detail
• Strong written and verbal communication
• IT literacy, including Microsoft Office and Excel
• Desirable: data analysis tools and experience with large datasets

What we offer

• Pension scheme, annual salary review and bonus scheme, Give As You Earn and employee referral scheme
• Retail discounts, gym membership options, cycle-to-work scheme
• Life assurance, health assessment options, travel, dental and critical illness insurance
• 25 days' annual leave plus a celebration day, 37.5-hour week, Monday to Friday, holiday buy and sell scheme
• Free parking (limited), EV charging, bike storage and shower facilities, complimentary breakfast and staff events