423 Credit Risk jobs in the United Kingdom

Job Title: Risk Manager – Partner Finance

Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues

Hours: Full time, Permanent

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A bit about us:

At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.

The Role:

Take ownership of the Portfolio Management risk area. Provide Bad Debt forecasts for pricing or loss calculations for month end reporting and budgetary processes to help with portfolio management. BNP Paribas Personal Finance provides credit facilities for a variety of clients. This challenging role helps the business manage and understand the bad debt dynamics of the business for the various products, providing insights into any variances and detrimental customer behaviours.

Key Responsibilities:

• Understand the high level ‘health’ of the portfolio against internal and external benchmark levels and summarise Credit risk trends for monthly MI packs
• Manage the exposure across the portfolio ensuring we have the necessary controls in place to minimise risk
• Deal rapidly with any issues that may have a detrimental effect on the relationship with key retailers
• Identify areas of cost reduction, service and process improvements that will result in adding value to the business whilst treating customers fairly
• Take ownership of the Partner Revenue Committee actions from a Risk perspective
• Liaise with Finance and Marketing teams to deliver analysis to aid business decisions on new strategy

Skills & Attributes:

• Experience in SAS Base / SQL or similar programming language
• Complete understanding of the consumer risk lifecycle
• Very good knowledge of credit bureau data and products
• Prior knowledge of scorecard development and monitoring. Experience in forecasting would be beneficial.
• Ability to generate ideas to challenge existing business practices
• Very strong analytical background to be able to set relevant analysis to answer questions

What’s in it for you?

Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you'll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including;

• Competitive salary and a contributory pension scheme
• Access to our Health Cash Plan Scheme
• A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out
• The opportunity to buy and sell holidays, giving you even more control over your work-life balance

Could this be you?

Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you! Whether you're considering a career change or exploring a sector jump, we welcome applicants with transferable skills.

Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team.

To learn more about careers at BNP Paribas Personal Finance UK, visit our website: .

Equal Opportunities Disclaimer

BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.

Job Title: Risk Manager – Partner Finance

Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues

Hours: Full time, Permanent

___

A bit about us:

At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.

The Role:

Take ownership of the Portfolio Management risk area. Provide Bad Debt forecasts for pricing or loss calculations for month end reporting and budgetary processes to help with portfolio management. BNP Paribas Personal Finance provides credit facilities for a variety of clients. This challenging role helps the business manage and understand the bad debt dynamics of the business for the various products, providing insights into any variances and detrimental customer behaviours.

Key Responsibilities:

• Understand the high level ‘health’ of the portfolio against internal and external benchmark levels and summarise Credit risk trends for monthly MI packs
• Manage the exposure across the portfolio ensuring we have the necessary controls in place to minimise risk
• Deal rapidly with any issues that may have a detrimental effect on the relationship with key retailers
• Identify areas of cost reduction, service and process improvements that will result in adding value to the business whilst treating customers fairly
• Take ownership of the Partner Revenue Committee actions from a Risk perspective
• Liaise with Finance and Marketing teams to deliver analysis to aid business decisions on new strategy

Skills & Attributes:

• Experience in SAS Base / SQL or similar programming language
• Complete understanding of the consumer risk lifecycle
• Very good knowledge of credit bureau data and products
• Prior knowledge of scorecard development and monitoring. Experience in forecasting would be beneficial.
• Ability to generate ideas to challenge existing business practices
• Very strong analytical background to be able to set relevant analysis to answer questions

What’s in it for you?

Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you'll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including;

• Competitive salary and a contributory pension scheme
• Access to our Health Cash Plan Scheme
• A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out
• The opportunity to buy and sell holidays, giving you even more control over your work-life balance

Could this be you?

Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you! Whether you're considering a career change or exploring a sector jump, we welcome applicants with transferable skills.

Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team.

To learn more about careers at BNP Paribas Personal Finance UK, visit our website: -pf.co.uk/careers.

Equal Opportunities Disclaimer

BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.

About Us:

One-third of the UK’s working-age population is unable to access mainstream financial services. These individuals are excluded from affordable credit and underserved by traditional financial institutions. Our purpose is “To improve the nation’s financial health through accessibility, affordability, and community.”

We are a fast-growing social FinTech company, empowering not-for-profit Credit Unions in the UK with cutting-edge technology. Our goal is to transform a select group of Community Lenders into a network of challenger banks that provide a viable alternative to high-cost lenders.

With a team of over 200 people and more than 180,000 active customers, Amplifi is a data-driven business with strong ambitions and a proven platform. We are led by a senior team with decades of experience across institutions such as Credit Suisse, UBS, NatWest, Capital One, NewDay and Barclays.

The Role:

At Amplifi, data lies at the heart of all strategies. As a fintech in the consumer lending space we strongly believe that innovative use of data and technology are key to delivering on our strategic objectives. As a Credit Risk Manager, you will play a pivotal role in shaping and executing credit risk strategies that balance growth, risk management, and customer outcomes.

This hands-on role combines advanced analytics with leadership responsibilities, giving you the opportunity to manage a high-performing team, influence business decisions, and drive strategic initiatives. You will work across multiple teams and directly contribute to the optimisation of underwriting, fraud prevention, responsible lending, and portfolio management for personal loans.

Responsibilities:

• Shape Strategy : Set the analytical agenda for the Credit Risk team to support overall business goals and deliver sustainable growth.
• Drive Credit Risk Initiatives : Design and implement credit risk strategies and decision frameworks that optimise risk, cost, and growth.
• Conduct Deep-Dive Analysis : Identify opportunities to enhance efficiency, improve customer outcomes, and deliver measurable value.
• Monitor Key Metrics : Ensure accurate monitoring of credit risk and fraud-related metrics, identifying trends and recommending strategy adjustments.
• Collaborate Cross-Functionally : Partner with teams across data science, marketing, product, operations, and engineering to deliver bespoke risk solutions and ensure excellent customer outcomes.
• Develop Talent : Hire, mentor, and lead a team of credit risk analysts, fostering a culture of excellence, collaboration, and continuous improvement.
• Enhance Decision Frameworks : Drive the integration of new data sources and insights into underwriting, fraud, responsible lending, and collection strategies.
• Influence Stakeholders : Present key analyses, findings, and recommendations to senior management, Credit Union partners, and external stakeholders.
• Stay Ahead of Trends : Keep abreast of industry developments, fraud prevention techniques, and regulatory changes, ensuring that strategies remain relevant and effective.

Requirements

This role is suited to someone who thrives in a dynamic, high-growth environment and has a passion for data, analytics, and credit risk management.

To excel in this role, you should have:

• 8+ years of experience in credit risk, fraud analytics, or a related field, ideally within retail unsecured consumer lending (loans or credit cards).
• Direct experience designing and implementing credit risk decisioning frameworks, strategies, and affordability assessments.
• Strong proficiency in SQL for querying and analysing large datasets; experience with Python or R is a plus.
• Advanced Excel skills, including expertise in complex formulas, pivot tables, and data analysis tools.
• A strong foundation in probability and statistics, including experience with A/B testing and advanced analytical methods.
• In-depth knowledge of UK bureau data (e.g., Experian, Equifax, TransUnion) and familiarity with fraud detection techniques, alternative data sources, and collections solutions.
• An understanding of how marketing and distribution channels impact credit and profitability performance.
• A good grasp of the regulatory landscape, with the ability to align commercial objectives with compliance requirements.
• Excellent communication and interpersonal skills, capable of articulating insights and recommendations to technical and non-technical audiences.
• A degree in a numerate discipline (e.g., Mathematics, Statistics, Economics, or STEM) or equivalent practical experience.

Also Desirable:

• Experience with credit scoring models and decision systems.
• Modelling experience within financial services.
• Experience working in a scale-up or high-growth environment.

Benefits

• Competitive salary
• 25 days annual leave
• Pension
• Death in Service Provision
• Private health insurance
• Subsidised Childcare
• Subsidised Gym Membership
• Hybrid working (2 days from home)

Commitment:

We are committed to equality of opportunity for all staff and applications from individuals are encouraged regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief and marriage and civil partnerships.

Please note that all offers of employment are conditional on us obtaining satisfactory pre-employment checks, including a DBS check, a credit check and employment references.

About Us

YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world’s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk. 

We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe. 

The Role

We are seeking a motivated and detail-oriented Credit Risk Analyst to join our Credit Risk team. The Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.

Requirements

Responsibilities:

• Risk Analysis : Utilising statistical techniques and data analysis to assess portfolio-level credit risk.
• Portfolio Monitoring : Identifying trends, risks, and opportunities across customer segments using advanced analytics.
• Policy and Strategy Development : Supporting the creation of credit risk policies, underwriting strategies, and pricing.
• Data-Driven Insights : Delivering actionable insights and recommendations to optimise risk-adjusted returns.
• Stakeholder Collaboration : Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.

The ideal candidate will have the following skillset:

• Proficiency in SQL.
• Experience in credit risk
• Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
• Experience with data visualization tools and techniques.
• Excellent analytical, problem-solving skills and attention to detail.
• Experience in European Markets (ideally France or Germany)

Desirable skills:

• Experience in SME lending
• Python

Benefits

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024 and 2025” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
• Award-Winning Fintech: YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.

It’s just getting fun:

• We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace. 
• But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started. 

Lots of upsides:

• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business). 
• Well-capitalised with supportive private equity backing. 
• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets. 

Motivating work environment:

• A high-quality team that pushes each other to succeed through direct feedback and aligned incentives. 
• Strong and transparent team culture, we have each other’s backs. 
• Independent work environment where results matter.  
• Data-driven culture and emphasis on speed (anti-red tape). 

We offer a comprehensive benefits package that includes:

• Stock Options
• Private Medical insurance via Vitality and Dental Insurance with BUPA
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Modern and sophisticated office space in Central London
• Free Gym in office building in Holborn
• Subsidised Lunch via Feedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Paddle and Yoga Club

Salary: £40,000 - 60,000 +10% annual bonus

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.

What we’re about

Kroo Lending is here to support the life milestones of our customers. Borrowing can support something joyful, or be a bit grown up: a cargo bike for the commute with kids or replacing a tired old boiler. Credit analytics, decisioning and credit operations effectiveness is at the heart of our ability to support lending customers, ensuring we can offer the most suitable product and service and sustainably grow the business. We have launched some familiar products - overdrafts, and unsecured personal loans - and are now preparing to expand the scale of these. This is a newly created role within our Lending function, which will give you exposure to some exciting projects.

We’re a bank, and we’re a startup: Kroo is able to take the best of both worlds to create products that our customers trust and love. We want to improve the relationship people have with their banks and money and, ultimately, give them more financial independence and control.

How you’ll contribute:

• Develop the credit decisioning ruleset and scorecard, expanding strategies to suit specific customer groups
• Manage the dynamic pricing modelling alongside credit profiles, to ensure our customer offer is competitive and performs over time
• Oversee the affordability assessment, using Open Banking transaction analytics to validate specific customer circumstances, and identify vulnerability markers
• Monitor cohort performance over time, being able to measure and explain variances. This end-to-end view of the credit lifecycle will also include input to the collections strategies and success metrics.
• Monitor our forbearance and arrears effectiveness strategies and provide insight into measurement and  improvement approaches.
• Explain and present the credit performance amongst the team and to business stakeholders
• Support policy and procedure development within the lending team 

About Our Process:

We can be flexible with the structure of our interview process if someone's circumstances or timescales require it but our general structure is:

1. People Screen - 30 mins
2. Interview with the Head of Lending - 45 mins
3. A technical case study - 30 mins
4. Face to face meeting with members of the team in our London office

Please let us know if you have any specific requirements or need assistance so we can be as accommodating as possible for you.

Requirements

• Experienced UK consumer credit risk analyst
• Comfortable with credit bureau files and their application in origination scorecards
• Familiar with transaction data (Open Banking) and its interpretation, for affordability and vulnerability identification
• A pragmatic, data-first mindset. It’s how you’ll identify opportunities and communicate the expected impact of policy changes and the analysis provided to the business. Experience using SQL and data management practices
• Ability to communicate clearly and succinctly to other credit professionals, and others in the business including our Operations , Finance, Compliance, Product and Engineering
• Takes initiative and has a natural curiosity to follow the analysis.  

Benefits

We know that attracting and retaining the best talent means offering top-notch benefits that help our employees thrive both in and outside of work. Check out what we currently offer:

• Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday.
• Personal days: We know that life can be unpredictable, so we offer 3 personal days to use as needed.
• Employer-sponsored volunteer program: We're passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time.
• Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
• Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top-up.
• Top-notch equipment: We provide top-of-the-line equipment necessary for smooth hybrid work, including a MacBook laptop. Additionally, we also offer support in establishing your home office by contributing towards your setup if required.
• Modern office: When you're in the office, you'll enjoy access to our modern, bustling workspace in Central London.
• Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme.
• Electric Car scheme: We're committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same.
• Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families.
• Room for growth: As a fast-paced, high-growth start-up, we're dedicated to providing our employees with room to grow and excel.
• You get full healthcare for you and your nuclear family via Vitality.

Hybrid Working

At Kroo Bank, we have a hybrid/ flexible policy that gives both individuals and teams a lot of freedom when it comes to using the office space to boost productivity. Our London office is a great resource to collaborate and candidates should be able to attend 1-2 days per week regularly to align with how we work at the moment.

Diversity and Inclusion

We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.

To all Recruitment Agencies

At Kroo Bank, agency resumes are strictly prohibited. Do not submit agency resumes or forward them to our job advertisements or Kroo Bank employees. Be aware that Kroo Bank will not assume any responsibility for fees incurred due to unsolicited resumes.

To ensure a fair and efficient application process, all candidates are kindly requested to submit their applications directly through the advertised platform. We kindly ask that you refrain from reaching out to the company or its employees via email, LinkedIn, or any other communication channels for inquiries or updates. Please note that any attempts to contact us through these channels will not receive a response. Thank you for your understanding and cooperation.

About Us

YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role

We are seeking a motivated and detail-oriented Credit Risk Analyst to join our Credit Risk team. The successful candidate will support collections data analysis and contribute to strategy improvements aimed at optimising our collections and recoveries processes.

Requirements

• Collections Data Analysis: Analyse collections data to identify trends, patterns, and areas for improvement. Develop insights that will inform and enhance our collections strategies.
• Strategy Improvement: Collaborate with the Collections Operations team to design and implement strategies that optimise collections performance and reduce credit risk.
• Reporting: Prepare and present detailed reports on collections performance, highlighting key metrics and making data-orientated recommendations for strategic adjustments.
• Data Management: Ensure accuracy and integrity of collections data by maintaining and updating relevant databases and systems.
• Collaboration: Work closely with other departments, including Finance, Sales, Underwriting and Customer Service, to ensure cohesive and effective credit risk management practices.

Essential:

• Working knowledge of SQL
• Experience in credit collections
• Understanding of the SME collections process

Desirable:

• Experience building/managing collections strategies
• Working knowledge of Python.
• Experience working with Aircall and Hubspot
• Experience in revenue based financing (merchant cash advances),
• Experience using Companies House data

Benefits

Why join YouLend?

• Award-Winning Workplace:  YouLend has been recognised as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
• Award-Winning Fintech : YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.

We offer a comprehensive benefits package that includes:

• Stock Options
• Private Medical insurance via Vitality
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Modern and sophisticated office space in Central London
• Free Gym in office building in Holborn
• Subsidised Lunch via Feedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Squash Club

Salary: £60,000 - 80,000 +10% annual bonus

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.

About Us

YouLend is a rapidly growing FinTech Company that is the preferred embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers. Our software platform enables our partners to offer flexible financing products in their own branding to their merchant base without capital at risk.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role

We are looking to add a Credit Risk Analyst to the team who will evaluate the creditworthiness of potential borrowers, analyze financial data and credit scores to determine risks in lending. You will review and interpret complex financial statements and economic trends to advise on credit limits and risk mitigation strategies. The analyst will monitor the financial health of existing clients to anticipate and manage potential default risks. They also ensure that all lending activities comply with regulatory standards and internal policies. Through your analysis, you will support the decision-making process regarding loan approvals and risk management.

Requirements

• Design and maintain statistical models for the assessment of credit risk.
• Analyse large datasets to forecast financial outcomes and estimate risks.
• Perform stress testing and scenario analysis to assess potential impacts on credit portfolios.
• Provide insights and recommendations to manage credit risk exposure effectively.
• Compile and present analytical reports to senior management and key stakeholders.

You will need:

• A degree in Finance, Statistics, Economics, Mathematics, or a related field.
• Proficient in statistical analysis software and programming languages such as SQL, Python, or SAS.
• Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
• Experience with data visualization tools and techniques.
• Excellent analytical, problem-solving skills and attention to detail.

Desirable:

• Experience in credit risk

Benefits

Why join YouLend?

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.

We offer comprehensive benefits package that includes:

• Stock Options
• Private Medical insurance via Vitality
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Modern and sophisticated office space in Central London
• Free Gym in office building in Holborn
• Subsidised Lunch via Feedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Squash Club

• Conduct thorough credit analysis of corporate clients, assessing financial health, market position, and management quality.
• Develop, implement, and maintain credit risk policies and procedures.
• Monitor the credit quality of the loan portfolio, identifying potential risks and recommending appropriate actions.
• Structure new credit facilities and review existing ones, ensuring adherence to internal risk appetite and regulatory guidelines.
• Prepare comprehensive credit reports and present recommendations to the credit committee.
• Manage relationships with internal stakeholders, including relationship managers and legal teams.
• Stay abreast of economic conditions, industry trends, and regulatory changes impacting credit risk.
• Develop and utilize credit scoring models and risk assessment tools.
• Oversee the process for loan provisioning and write-offs.
• Provide training and guidance to junior credit analysts.

• Bachelor's degree in Finance, Economics, Accounting, or a related field. A Master's degree or professional qualification (e.g., CFA, FRM) is a significant advantage.
• Minimum of 5-7 years of progressive experience in corporate credit analysis, risk management, or corporate banking.
• Strong understanding of financial statement analysis, cash flow modelling, and corporate finance principles.
• In-depth knowledge of various credit products and structures (e.g., term loans, revolving credit facilities, trade finance).
• Familiarity with regulatory frameworks such as Basel Accords.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal skills, with the ability to influence stakeholders.
• Proficiency in risk management software and Microsoft Office Suite.
• Proven ability to manage a complex portfolio and make sound risk judgments.