68 Financial Risk Manager jobs in London

I am keen to speak with, Market Risk Specialists who are keen to take on a exciting challenge with an Investment Bank, in the middle east. This is a 6 month contract which will require you to work onsite in the middle east. Client and exact location to be discussed.

The Investment bank are implementing a new Securities Trading System and they require a Market Risk Specialist to define system specifications, design and build risk reports, establish a robust limit structure, conduct comprehensive testing, and document procedures, acting as the leading authority with minimal reliance on in-house input. As a key member of a cross-functional project team under overall project management, the Market Risk Expert will drive the project through design, build, testing, and go-live phases, ensuring alignment with business objectives and regulatory requirements. The role reports directly to the Head of Risk and the COO, who is leading the project.

Responsibilities include:

• Independently define detailed system requirements and specifications for the proprietary trading system, collaborating with the trader, IT, and other stakeholders with limited in-house expertise.
• Enhance and update the banks existing market risk governance structures, including escalation committees, model governance protocols, and clear ownership for limit monitoring, breaches, and remediation.
• Develop and implement risk reports, models, and tools to monitor traded and non-trade market risk exposures, including but not limited to; Value-at-Risk (VaR), sensitivity analysis, and portfolio stress tests, with minimal guidance from the organization.
• Design and execute backtesting models to validate VaR and other model outputs, ensuring regulatory compliance with Basel backtesting standards and regulatory requirements
• Ensure risk reporting supports regulatory capital computation and attribution, aligned with Basel II and Basel III FRTB standards
• Design and implement limit frameworks with dynamic calibration logic to ensure limits remain risk-sensitive and adaptive to portfolio composition, market volatility, and liquidity conditions, including monitoring tools that automatically adjust or flag limits as market conditions evolve
• Independently develop and validate severe but plausible market risk scenarios, aligned with regulatory expectations under CBO Circular BM-1200, and integrate these into capital and risk reporting
• Develop capital allocation models compliant with Basel II and Central Bank regulations for market risk capital and Basel III FRTB standards, including standardised and internal models approaches as appropriate.
• Lead the design and integration of market risk components into the ICAAP framework, ensuring alignment of risk quantification, capital planning, stress testing, and governance with regulatory expectations.

Requirements

• Minimum of 7-10 years of experience in market risk management within proprietary trading or investment banking environments, with a focus on bonds and equities.
• Essential : Clear, proven track record of successfully delivering similar trading system implementation projects (e.g., risk management system upgrades or new system deployments) at a previous organization, with demonstrable outcomes, achieved independently as the primary expert.
• Extensive experience in autonomously designing risk frameworks, writing risk policies, devising testing protocols, and conducting stress tests for prop trading.
• Familiarity with trading systems (e.g., Bloomberg, Murex, Calypso, or similar) and their risk management modules.
• Strong understanding of risk metrics (VaR, Greeks, stress testing) and financial instruments (bonds, equities)
• Expertise in system testing methodologies and tools, with the ability to design tests from scratch.

Benefits

1000p.d. Outside IR35.

Flights provided.

Entity:

Finance

Job Family Group:

Finance Group

Job Description:

Our purpose is to deliver energy to the world, today and tomorrow. For over 100 years, bp has focused on discovering, developing, and producing oil and gas in the nations where we operate. We are one of the few companies globally that can provide governments and customers with an integrated energy offering. Delivering our strategy sustainably is fundamental to achieving our ambition to be a net zero company by 2050 or sooner!

Trading & Shipping (T&S) is BP's face to the traded markets for BP in oil, gas, power, chemicals and finance. T&S's role is to enhance Group value through distinctive supply, commodity trading, risk management and information technology skills underpinned by an elite finance, control and compliance infrastructure. T&S has a dynamic and highly skilled workforce, which brings value by combining analysis and commercial innovation with the material asset base of BP.

T&S fosters a diverse and inclusive work environment for all employees. We are proud of our stance on fairness, equal opportunity and meritocracy, which focuses on all of our employees reaching their full potential.

Role synopsis   

This role sits within the Gas and Power Trading International (GPTI) Commodity Risk team, within BP’s supply and trading business and is a key control position within the Commodity Risk and T&S Finance organization. This role is accountable for providing deep business understanding on risk measurement and control through development and maintenance of robust measurement models, analysis of market conditions and trading positions, and interpretation and improvement of risk and control policies and procedures. This role holds the primary interface into the trading team for trading activity and requires balancing independence with a business enabling partnership. This position requires substantial knowledge of the activities within Commodity Risk Analytics to meet the team’s core accountability of delivering independent analysis and reporting.

Key accountabilities;   

Under the direct supervision of the Head of Commodity Risk, GPTI, you will:

• Own and drive modernization of MVaR and Stress processes
• Improve and develop market risk measurement models and methodologies
• Daily MVaR, Exposures, and Stress Tests: Provide explanation of why these numbers have changed, and interact with Front-Office in understanding the trading strategies underpinning the risk that is being measured
• Deliver timely, rigorous, and accurate reporting and analytics that provide insight into risks of T&S’s business activities to support business decision making and strengthen the control environment.
• Monthly calculation on NPVaR and quarterly calculation of NOI: Execution of model, explanation of drivers, and interacting with colleagues to understand the trading strategies relating to the risk.
• Provide market risk input required as part of the process through which new activities and projects considered by the Front Office are being evaluated and approved by GPTI
• Provide constructive challenge to trading activity to ensure it is compliant and aligned to intended trading strategy.
• Work daily with Finance Analytics.
• Interpret T&S’s MTM and market risk policies and ensuring their applications in GPTI.

Essential education   

A University degree or equivalent experience in a quantitative subject area is a requirement. Advanced qualification in finance, economics, mathematics, science, engineering, etc. is highly desirable. In addition, a professional qualification in financial analysis (i.e. CFA), risk management (i.e. FRM, ERP, or PRM), business or operations research is an advantage.

Essential experience and job requirements

• Strong analytical skills including the ability to understand and communicate sophisticated transactions with embedded optionality as well as assessing the market risk impact of those transactions on an existing portfolio
• Strong numeracy and advanced Excel or Python skills, ability to develop valuation and risk models for wide range of derivatives
• Understand the basic principles of market risk measurement and control as well as familiarity of the alternative methods available to calculate value-at-risk, define appropriate risk factors, account for non- linear instruments,etc.;
• Be familiar with the practical difficulties/limitations of MVaR and other risk measures (volumetric limits, Greeks, etc) either through working in the middle office or a front office role;
• Understands the need for a robust risk management framework in a trading environment. Will know how risk limits should be set and controlled in order to ensure that the organization only takes the risks it is comfortable with;
• Possess a good understanding of the fundamentals of energy trading, including extensive familiarity with derivatives and other trading instruments.
• Wide knowledge of European gas, power and LNG markets and various instruments
• Ability to deploy a variety of communication styles according to the situation and communicate effectively with partners and peers
• Attention to detail and ability to work within a very deadline orientated environment

Desirable criteria & qualifications

• Solid understanding of global gas and power market drivers, physical assets, and fundamentals
• Validated experience preferably in LNG or Gas/Power Europe Product Control, Market Risk, or Trading roles
• Professional qualifications in financial analysis, risk management, accounting, or equivalent areas
• Relevant market risk, middle office, or trading experience, acquired working either within BP or at a firm in a related field (energy trading firm, financial institution, etc.).
• Must be a great teammate able to operate within a complex and dynamic trading business. In addition, they must possess the interpersonal, communication and decision-making skills and sound commercial judgment to build credible relationships across T&S.

Management and Interaction Skills:

• The successful candidate will be very articulate and able to communicate complex issues to non-specialists in a concise and clear manner; and use their credibility and integrity to acquire support from the people they connect with.

Performance Drive:

• Demonstrates a strong focus on delivering solutions in a timely and effective manner with minimum guidance or supervision;
• Exercises judgment and make sound decisions in the face of incomplete data with varying degrees of risk; and
• Knows how to effectively and efficiently handle a variety of tasks, set priorities and measure and anticipate problems in order to accomplish specific priorities, goals and results.

Additional Information

At bp, we provide the following environment and benefits to you:

• A company culture where we respect our diverse and unified teams, where we are proud of our achievements and where fun and the attitude of giving back to our environment are highly valued

• Possibility to join our social communities and networks

• Learning opportunities and other development opportunities to craft your career path

• Life and health insurance, medical care package

• And many other benefits.

We are an equal opportunity employer and value diversity at our company. We do not discriminate based on race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, perform crucial job functions, and receive other benefits and privileges of employment. Don’t hesitate to get in touch with us to request any accommodations.

Travel Requirement

Negligible travel should be expected with this role

Relocation Assistance:

This role is not eligible for relocation

Remote Type:

This position is a hybrid of office/remote working

Skills:

Analytical Thinking, Commercial Acumen, Commodity Risk Management, Communication, Creativity and Innovation, Curiosity, Data visualization and interpretation, Decision Making, Exposure Management, Group Problem Solving, Internal control and compliance, Market Knowledge, Market Risk Management, Operational Risk, Portfolio analytics, Resilience, Thought Leadership, Trade discipline and compliance, Trade execution and management, Trading and shipping data knowledge, Trading knowledge

Legal Disclaimer:

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, socioeconomic status, neurodiversity/neurocognitive functioning, veteran status or disability status. Individuals with an accessibility need may request an adjustment/accommodation related to bp’s recruiting process (e.g., accessing the job application, completing required assessments, participating in telephone screenings or interviews, etc.). If you would like to request an adjustment/accommodation related to the recruitment process, please contact us .

If you are selected for a position and depending upon your role, your employment may be contingent upon adherence to local policy. This may include pre-placement drug screening, medical review of physical fitness for the role, and background checks.

Your opportunity to make a real impact and shape the future of financial services is waiting for you. Let’s push the boundaries of what's possible together.nAs a Senior Director of Software Engineering at JPMorgan Chase within the Corporate Technology, Market Risk AIML Tech Team, you will lead multiple technical areas and oversee the activities of various departments while fostering collaboration across technical domains. Your cross-functional expertise will be instrumental in promoting the adoption and implementation of advanced technical methods within diverse teams, ensuring the firm remains at the forefront of industry trends, best practices, and technological innovations. This role emphasizes managing and developing the AIML platform within Market Risk, working closely with Product and the tech team to define the roadmap and implement top-tier AIML and Generative AI practices across Risk Technology.nJob responsibilities

Leads multiple technology and process implementations across departments to achieve firmwide technology objectivesnDirectly manages multiple areas with strategic transactional focusnProvides leadership and high-level direction to teams while frequently overseeing employee populations across multiple platforms, divisions, and lines of businessnActs as the primary interface with senior leaders, stakeholders, and executives, driving consensus across competing objectivesnManages multiple stakeholders, complex projects, and large cross-product collaborationsnInfluences peer leaders and senior stakeholders across the business, product, and technology teamsnChampions the firm’s culture of diversity, opportunity, inclusion, and respectnRequired qualifications, capabilities, and skills

Formal training or certification on Software Engineering concepts and expert applied experience. In addition, expert experience leading technologists to manage, anticipate and solve complex technical items within your domain of expertisenExperience developing or leading large or cross-functional teams of technologistsnDemonstrated prior experience influencing across highly matrixed, complex organizations and delivering value at scalenExperience leading complex projects supporting system design, testing, and operational stabilitynExperience with hiring, developing, and recognizing talentnExtensive practical cloud native experiencenExpertise in Computer Science, Computer Engineering, Mathematics, or a related technical fieldnPreferred qualifications, capabilities, and skills

Experience working at code level and understanding architecture and infrastructurenExposure to ML engineering and preferably some experience with Generative AI (GenAI) or at least an understanding of itnExperience overseeing a team of engineers bringing up AIML platformsnExperience with DataBricksnAWS qualifications

#J-18808-Ljbffrn

Senior Director of Software Engineering - Market RisknYour opportunity to make a real impact and shape the future of financial services is waiting for you. Let’s push the boundaries of what's possible together.

As a Senior Director of Software Engineering at JPMorgan Chase within the Corporate Technology, Market Risk AIML Tech Team, you will lead multiple technical areas and oversee the activities of various departments while fostering collaboration across technical domains. Your cross-functional expertise will be instrumental in promoting the adoption and implementation of advanced technical methods within diverse teams, ensuring the firm remains at the forefront of industry trends, best practices, and technological innovations. This role emphasizes managing and developing the AIML platform within Market Risk, working closely with Product and the tech team to define the roadmap and implement top-tier AIML and Generative AI practices across Risk Technology.

Job Responsibilities

Leads multiple technology and process implementations across departments to achieve firmwide technology objectives

Directly manages multiple areas with strategic transactional focus

Provides leadership and high-level direction to teams while frequently overseeing employee populations across multiple platforms, divisions, and lines of business

Acts as the primary interface with senior leaders, stakeholders, and executives, driving consensus across competing objectives

Manages multiple stakeholders, complex projects, and large cross-product collaborations

Influences peer leaders and senior stakeholders across the business, product, and technology teams

Champions the firm’s culture of diversity, opportunity, inclusion, and respect

Required Qualifications, Capabilities, And Skills

Formal training or certification on Software Engineering concepts and expert applied experience. In addition, expert experience leading technologists to manage, anticipate and solve complex technical items within your domain of expertise

Experience developing or leading large or cross-functional teams of technologists

Demonstrated prior experience influencing across highly matrixed, complex organizations and delivering value at scale

Experience leading complex projects supporting system design, testing, and operational stability

Experience with hiring, developing, and recognizing talent

Extensive practical cloud native experience

Expertise in Computer Science, Computer Engineering, Mathematics, or a related technical field

Preferred Qualifications, Capabilities, And Skills

Experience working at code level and understanding architecture and infrastructure

Exposure to ML engineering and preferably some experience with Generative AI (GenAI) or at least an understanding of it

Experience overseeing a team of engineers bringing up AIML platforms

Experience with DataBricks

AWS qualifications

About UsnJ.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

About The TeamnOur professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we’re setting our businesses, clients, customers and employees up for success.

#J-18808-Ljbffrn

**Do you want your voice heard and your actions to count?**



Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the worldu2019s leading financial groups. Across the globe, weu2019re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.



With a vision to be the worldu2019s most trusted financial group, itu2019s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.



Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.



**Overview of Corporate and Investment Banking Credit (CIB Credit) for EMEA**



EMEA CIB Credit Division is responsible for corporate banking and structured finance credit for non-Japanese corporates, FIs, and Sovereigns.



Its major functions are outlined as follows:


analysing, approving, sanctioning and monitoring the credit quality of corporate credit risks and related risks;


analysing, approving, sanctioning and monitoring the credit quality of Leveraged Finance, Project Finance, Structured Trade Finance, Aircraft Finance, Asset-backed Finance (Securitisation)


Assessment and management of country risks
Management of problematic assets
Monitoring, reporting and early action
Portfolio analysis and management



Our Credit Team is part of a global organisation located in London, New York, Singapore and Tokyo. The London Credit team is responsible for the EMEA region and we work closely with other regions, and MUFG Group entities and subsidiaries within the region, to ensure global consistency in credit management.



**Number of Direct Reports**



n/a



**Main Purpose of the Role**


To support the Group Head to direct the continuous development of CIB Credit for EMEAu2019s credit risk framework, risk appetite portfolio monitoring and early warning frameworks in line with shareholders, client and regulatory expectations.
To support the Group Head to lead, manage, guide and develop a group of credit professionals responsible for Middle Market & Growth Tech credit, and of certain allocated sectors.
To exercise delegated credit approval authority and/or make recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.



**Key Responsibilities**


Specifically, you will be accountable and responsible for taking appropriate action with respect to Middle Market and Growth Technology credit including:


Oversight, responsibility and accountability for supporting the team head in guiding and developing a group of credit professionals within the Leverage Finance, TMT and Consumer & Healthcare Credit Team.
Authority to exercise delegated credit approval up to USD75m, and/or make recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.
To make balanced, timely and thoughtful credit decisions within the firmu2019s risk appetite.
Responsible as a senior credit counterpart to front line relationship managers and applicable product origination and distribution businesses.
Proactive solutions driven engagement with front line on deal specific and/or strategic developments through expert guidance, direction, feedback and identification of red flags or breaches of internal guidelines and policies.
As a Director within CIB Credit for EMEA for contributing to the development of divisional credit strategy for respective products, sectors, countries/regions including supporting work to assess and set risk appetite and limits.
Responsible and accountable for managing and overseeing a portfolio of credit accounts within areas of responsibility. Oversight and responsibility for giving advice and direction to credit managers to ensure high quality credit analysis, including report writing and decision making.
Responsible for developing knowledge of the various types of industries, sectors, countries, players and financial and legal structures within Middle Market and Growth Technology credit and commitment to further learning.
Responsible for developing in-depth knowledge of the technology sector in European markets and stay current on changes and potential changes, utilising internal and external sources.
Demonstrate the Risk Culture Pillars; taking accountability for identifying and mitigating risk; actively managing risk within the department; remaining curious by taking proactive ownership; role modelling the risk partnership with colleagues in 1LOD and 2LOD; and being willing to challenge existing practice and be proactive and positive to change.
Responsible for representing the credit division at internal forums within the regions and globally, to share opinions and influence decisions that impact their areas of specialism.



**Work Experience**



Essential:


Strong experience working in financial institutions carrying out credit work for the Middle Market and Growth Technology area
Strong experience in corporate banking and/or structured finance



Preferred:


Experience of exercising personal delegated authority
Experience of setting and applying credit risk strategy within a broader business strategy.
Proven experience in investment banking in credit or front office



**Skills and Experience**



**Functional / Technical Competencies:**


Extensive experience in lending to technology companies, preferably in the mid-market and growth (cash flow negative) segment
Strong knowledge of corporate credit analysis, accounting, legal/documentation, and technology lending marketplace
Extensive portfolio management experience
Excellent communication and stakeholder management skills
Excellent analytic and quantitative skills



**Education / Qualifications:**



Essential


Bachelor Degree



**Personal Requirements**


Excellent communication skills
Results driven, with a strong sense of accountability
A proactive, motivated approach
The ability to operate with urgency and prioritize work accordingly
Strong decision making skills, the ability to demonstrate sound judgement
A structured and logical approach to work
Strong problem solving skills
A creative and innovative approach to work
Excellent interpersonal skills
The ability to manage large workloads and tight deadlines
Excellent attention to detail and accuracy
A calm approach, with the ability to perform well in a pressured environment
Strong numerical skills
Excellent Microsoft Office skills
A strategic approach, with the ability to lead and motivate
The ability to articulate and implement the vision/strategy for CIB Credit for EMEA



We are open to considering flexible working requests in line with organisational requirements.



MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.



We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.



At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!



**Our Culture Principles**


Client Centric
People Focused
Listen Up. Speak Up.
Innovate & Simplify
Own & Execute

**Do you want your voice heard and your actions to count?**



Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the worldu2019s leading financial groups. Across the globe, weu2019re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.



With a vision to be the worldu2019s most trusted financial group, itu2019s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.



Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.



**Overview of Corporate and Investment Banking Credit (CIB Credit) for EMEA**



EMEA CIB Credit Division is responsible for corporate banking and structured finance credit for non-Japanese corporates, FIs, and Sovereigns.



Its major functions are outlined as follows:


analysing, approving, sanctioning and monitoring the credit quality of corporate credit risks and related risks;


analysing, approving, sanctioning and monitoring the credit quality of Leveraged Finance, Project Finance, Structured Trade Finance, Aircraft Finance, Asset-backed Finance (Securitisation)


Assessment and management of country risks
Management of problematic assets
Monitoring, reporting and early action
Portfolio analysis and management



Our Credit Team is part of a global organisation located in London, New York, Singapore and Tokyo. The London Credit team is responsible for the EMEA region and we work closely with other regions, and MUFG Group entities and subsidiaries within the region, to ensure global consistency in credit management.



**Number of Direct Reports**



n/a



**Main Purpose of the Role**


To support the Group Head to direct the continuous development of CIB Credit for EMEAu2019s credit risk framework, risk appetite portfolio monitoring and early warning frameworks in line with shareholders, client and regulatory expectations.
To support the Group Head to lead, manage, guide and develop a group of credit professionals responsible for Middle Market & Growth Tech credit, and of certain allocated sectors.
To exercise delegated credit approval authority and/or make recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.



**Key Responsibilities**


Specifically, you will be accountable and responsible for taking appropriate action with respect to Middle Market and Growth Technology credit including:


Oversight, responsibility and accountability for supporting the team head in guiding and developing a group of credit professionals within the Leverage Finance, TMT and Consumer & Healthcare Credit Team.
Authority to exercise delegated credit approval up to USD75m, and/or make recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.
To make balanced, timely and thoughtful credit decisions within the firmu2019s risk appetite.
Responsible as a senior credit counterpart to front line relationship managers and applicable product origination and distribution businesses.
Proactive solutions driven engagement with front line on deal specific and/or strategic developments through expert guidance, direction, feedback and identification of red flags or breaches of internal guidelines and policies.
As a Director within CIB Credit for EMEA for contributing to the development of divisional credit strategy for respective products, sectors, countries/regions including supporting work to assess and set risk appetite and limits.
Responsible and accountable for managing and overseeing a portfolio of credit accounts within areas of responsibility. Oversight and responsibility for giving advice and direction to credit managers to ensure high quality credit analysis, including report writing and decision making.
Responsible for developing knowledge of the various types of industries, sectors, countries, players and financial and legal structures within Middle Market and Growth Technology credit and commitment to further learning.
Responsible for developing in-depth knowledge of the technology sector in European markets and stay current on changes and potential changes, utilising internal and external sources.
Demonstrate the Risk Culture Pillars; taking accountability for identifying and mitigating risk; actively managing risk within the department; remaining curious by taking proactive ownership; role modelling the risk partnership with colleagues in 1LOD and 2LOD; and being willing to challenge existing practice and be proactive and positive to change.
Responsible for representing the credit division at internal forums within the regions and globally, to share opinions and influence decisions that impact their areas of specialism.



**Work Experience**



Essential:


Strong experience working in financial institutions carrying out credit work for the Middle Market and Growth Technology area
Strong experience in corporate banking and/or structured finance



Preferred:


Experience of exercising personal delegated authority
Experience of setting and applying credit risk strategy within a broader business strategy.
Proven experience in investment banking in credit or front office



**Skills and Experience**



**Functional / Technical Competencies:**


Extensive experience in lending to technology companies, preferably in the mid-market and growth (cash flow negative) segment
Strong knowledge of corporate credit analysis, accounting, legal/documentation, and technology lending marketplace
Extensive portfolio management experience
Excellent communication and stakeholder management skills
Excellent analytic and quantitative skills



**Education / Qualifications:**



Essential


Bachelor Degree



**Personal Requirements**


Excellent communication skills
Results driven, with a strong sense of accountability
A proactive, motivated approach
The ability to operate with urgency and prioritize work accordingly
Strong decision making skills, the ability to demonstrate sound judgement
A structured and logical approach to work
Strong problem solving skills
A creative and innovative approach to work
Excellent interpersonal skills
The ability to manage large workloads and tight deadlines
Excellent attention to detail and accuracy
A calm approach, with the ability to perform well in a pressured environment
Strong numerical skills
Excellent Microsoft Office skills
A strategic approach, with the ability to lead and motivate
The ability to articulate and implement the vision/strategy for CIB Credit for EMEA



We are open to considering flexible working requests in line with organisational requirements.



MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.



We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.



At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!



**Our Culture Principles**


Client Centric
People Focused
Listen Up. Speak Up.
Innovate & Simplify
Own & Execute

**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
**Overview of Corporate and Investment Banking Credit (CIB Credit) for EMEA**
EMEA CIB Credit Division is responsible for corporate banking and structured finance credit for non-Japanese corporates, FIs, and Sovereigns.
Its major functions are outlined as follows:
+ analysing, approving, sanctioning and monitoring the credit quality of corporate credit risks and related risks;
+ analysing, approving, sanctioning and monitoring the credit quality of Leveraged Finance, Project Finance, Structured Trade Finance, Aircraft Finance, Asset-backed Finance (Securitisation)
+ Assessment and management of country risks
+ Management of problematic assets
+ Monitoring, reporting and early action
+ Portfolio analysis and management
Our Credit Team is part of a global organisation located in London, New York, Singapore and Tokyo. The London Credit team is responsible for the EMEA region and we work closely with other regions, and MUFG Group entities and subsidiaries within the region, to ensure global consistency in credit management.
**Number of Direct Reports**
n/a
**Main Purpose of the Role**
+ To support the Group Head to direct the continuous development of CIB Credit for EMEA's credit risk framework, risk appetite portfolio monitoring and early warning frameworks in line with shareholders, client and regulatory expectations.
+ To support the Group Head to lead, manage, guide and develop a group of credit professionals responsible for Middle Market & Growth Tech credit, and of certain allocated sectors.
+ To exercise delegated credit approval authority and/or make recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.
**Key Responsibilities**
+ Specifically, you will be accountable and responsible for taking appropriate action with respect to Middle Market and Growth Technology credit including:
+ Oversight, responsibility and accountability for supporting the team head in guiding and developing a group of credit professionals within the Leverage Finance, TMT and Consumer & Healthcare Credit Team.
+ Authority to exercise delegated credit approval up to USD75m, and/or make recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.
+ To make balanced, timely and thoughtful credit decisions within the firm's risk appetite.
+ Responsible as a senior credit counterpart to front line relationship managers and applicable product origination and distribution businesses.
+ Proactive solutions driven engagement with front line on deal specific and/or strategic developments through expert guidance, direction, feedback and identification of red flags or breaches of internal guidelines and policies.
+ As a Director within CIB Credit for EMEA for contributing to the development of divisional credit strategy for respective products, sectors, countries/regions including supporting work to assess and set risk appetite and limits.
+ Responsible and accountable for managing and overseeing a portfolio of credit accounts within areas of responsibility. Oversight and responsibility for giving advice and direction to credit managers to ensure high quality credit analysis, including report writing and decision making.
+ Responsible for developing knowledge of the various types of industries, sectors, countries, players and financial and legal structures within Middle Market and Growth Technology credit and commitment to further learning.
+ Responsible for developing in-depth knowledge of the technology sector in European markets and stay current on changes and potential changes, utilising internal and external sources.
+ Demonstrate the Risk Culture Pillars; taking accountability for identifying and mitigating risk; actively managing risk within the department; remaining curious by taking proactive ownership; role modelling the risk partnership with colleagues in 1LOD and 2LOD; and being willing to challenge existing practice and be proactive and positive to change.
+ Responsible for representing the credit division at internal forums within the regions and globally, to share opinions and influence decisions that impact their areas of specialism.
**Work Experience**
Essential:
+ Strong experience working in financial institutions carrying out credit work for the Middle Market and Growth Technology area
+ Strong experience in corporate banking and/or structured finance
Preferred:
+ Experience of exercising personal delegated authority
+ Experience of setting and applying credit risk strategy within a broader business strategy.
+ Proven experience in investment banking in credit or front office
**Skills and Experience**
**Functional / Technical Competencies:**
+ Extensive experience in lending to technology companies, preferably in the mid-market and growth (cash flow negative) segment
+ Strong knowledge of corporate credit analysis, accounting, legal/documentation, and technology lending marketplace
+ Extensive portfolio management experience
+ Excellent communication and stakeholder management skills
+ Excellent analytic and quantitative skills
**Education / Qualifications:**
Essential
+ Bachelor Degree
**Personal Requirements**
+ Excellent communication skills
+ Results driven, with a strong sense of accountability
+ A proactive, motivated approach
+ The ability to operate with urgency and prioritize work accordingly
+ Strong decision making skills, the ability to demonstrate sound judgement
+ A structured and logical approach to work
+ Strong problem solving skills
+ A creative and innovative approach to work
+ Excellent interpersonal skills
+ The ability to manage large workloads and tight deadlines
+ Excellent attention to detail and accuracy
+ A calm approach, with the ability to perform well in a pressured environment
+ Strong numerical skills
+ Excellent Microsoft Office skills
+ A strategic approach, with the ability to lead and motivate
+ The ability to articulate and implement the vision/strategy for CIB Credit for EMEA
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
**Our Culture Principles**
+ Client Centric
+ People Focused
+ Listen Up. Speak Up.
+ Innovate & Simplify
+ Own & Execute

**Description**
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
Central Rating and Underwriting Team (CRU) sits within the Credit and Fraud Risk division and forms the institutional credit risk management function within American Express. The CRU team plays the critical role of assessing and managing the risk of institutional exposures across all business units within American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, working capital facilities, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity.
In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. As a bank holding company, American Express must comply with the highest global banking standards set by Basel and implemented by the banks primarily regulatory, the Federal Reserve.
**How will you make an impact in this role?**
Credit Risk Analysts in CRU are responsible for rating and underwriting credit exposures in their assigned region, industry, and business line. The Analysts' fundamental credit assessment incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. Analysts will also need to show an understanding of the need for credit extension, profitability of the relationship, risk mitigation and program structures.
**Minimum Qualifications**
+ Fluency in English and French mandatory.
+ Bachelor's degree/equivalent in Finance or a related subject.
+ Experience in fundamental credit analysis and / or underwriting of commercial enterprises (1-2 years)
+ Understanding of fundamental financial analysis including the ability to review corporate financial statements to determine key risk drivers, an appropriate probability of default and the ability of the obligor to honour its credit obligations to American Express.
+ Comfortable determining appropriate credit capacity, structuring of facilities, and risk mitigation techniques.
+ Ability to prepare accurate company-specific and industry-wide credit risk memorandums.
+ Excellent written and verbal communication skills.
+ Basic working knowledge of Microsoft Excel.
+ Understanding of banking regulations, particularly those imposed by Basel Committee on Banking Supervision.
+ Understanding of current macroeconomic trends and how to provide recommendations to improve the Probability of Default estimation based on the business cycle.
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:**

Updraft. Helping you make changes that pay off.

Updraft is an award winning, FCA-authorised, high-growth fintech based in London. Our vision is to revolutionise the way people spend and think about money, by automating the day to day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts and other loans.

• A 360 degree spending view across all your financial accounts (using Open banking)
• A free credit report with tips and guidance to help improve your credit score
• Native AI led personalised financial planning to help users manage money, pay off their debts and improve their credit scores.
• Intelligent lending products to help reduce cost of credit

We have built scale and are getting well recognised in the UK fintech ecosystem.

• 800k+ users of the mobile app that has helped users swap c £500 m of costly credit-card debt for smarter credit, putting hundreds of thousands on a path to better financial health
• The product is highly rated by our customers. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store.
• We are selected for Technation Future Fifty 2025  – a program that recognizes and supports successful and innovative scaleups to IPOs - 30% of UK unicorns have come out of this program.
• Updraft once again featured on the Sifted 100 UK startups - among only 25 companies to have made the list over both years 2024 and 2025.

We are seeking a skilled Retail Credit Risk Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.

Key Responsibilities:

• Conduct portfolio analytics to assess risk trends, customer behavior, and loan performance.
• Analyze credit data, customer profiles, and market trends to enhance underwriting criteria.
• Work closely with stakeholders to optimize credit policies and improve lending strategies.
• Utilize statistical and machine learning techniques to support data-driven risk assessment methodologies.
• Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs.

Requirements

Required Skills & Experience:

• 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK.
• Strong understanding of credit scoring models, risk analytics, and lending strategies.
• Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis.
• Experience or familiarity with end-to-end life cycle of a retail loan portfolio.
• Proficiency in SQL and Python for data analysis and risk modeling.
• Experience working with decision engines and credit risk platforms.
• Strong analytical skills with the ability to translate data insights into business decisions.
• Excellent communication and stakeholder management abilities.

Preferred Qualifications:

• Experience in alternative data usage for credit risk evaluation.
• Familiarity with Open Banking and fintech lending platforms.
• Bachelor’s or Master’s degree in Finance, Statistics, Mathematics, Economics, or a related field.

Benefits

• Pension Plan
• Paid Time Off
• Work From Home
• Training & Development