459 Lead Credit Risk Analyst jobs in London
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Credit Risk Analyst
Posted 5 days ago
Job Viewed
Job 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 mandatory; at least one other Western European language would be highly advantageous.
+ 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:** 25012837
Credit Risk Analyst
Posted 215 days ago
Job Viewed
Job Description
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.
Credit Risk Analyst
Posted 439 days ago
Job Viewed
Job Description
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
Senior Credit Risk Analyst - German Markets
Posted 7 days ago
Job Viewed
Job Description
SENIOR CREDIT RISK ANALYST - GERMANY
£80,000
LONDON (3 days p/w)
THE COMPANY
This is an exciting opportunity with an ambitious FinTech that focus on harnessing data to enhance their lending decisions. This business have been growing in recent years and are now in an excellent position where they are targeting further success across multiple geographies.
THE ROLE
- Driving the development of a wide range of credit risk and pricing strategies across the lending book, specifically for the German market
- Using statistical models and wider analytical tools to drive insight into book performance
- Wider work on customer analytics and behavioural trends, including work on acquisition and underwriting
- Close stakeholder interaction and work with internal teams
YOUR SKILLS AND EXPERIENCE
- Previous experience in and knowledge of SQL is essential
- Experience in developing credit risk strategies is essential
- Prior work with the German lending market is essential
- Experience with SME or wider business lending is highly desirable
SALARY AND BENEFITS
- Base salary of up to £80,000
- Discretionary Bonus
- Company pension scheme
- Company equity
- 25 days holiday
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the 'Apply' link
Senior Credit Risk Analyst - French Market
Posted 4 days ago
Job Viewed
Job Description
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 Take payments. 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 Senior Credit Risk Analyst with strong experience in the French market, particularly in SME or consumer lending. The Senior Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.
- 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.
Requirements
- A degree in Finance, Statistics, Economics, Mathematics, or a related field.
- Proficient in SQL.
- Experience with credit scoring systems, credit policy and methodologies in the French market (consumer or SME)
- 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 Skills
- Experience in SME lending
- Python
- Experience in other European markets would be a plus
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 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
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.
Credit Risk Forecasting Analyst
Posted today
Job Viewed
Job Description
As a Credit Risk Forecasting Manager, you will be a driving force behind Sky's credit risk lending strategy. You will lead a dynamic team within a rapidly growing business, working closely with partners across Marketing, Trading, Finance, Product, Propositions, and Routes to Market in both the UK and European regions. This role is responsible for overseeing the company's budget management, risk analysis, and financial planning processes. You will collaborate with senior leadership to ensure strategic alignment with business goals while managing financial risks effectively.
We are part of the Connectivity org, and support on our Glass product, as well as other regions outside the UK. It's an exciting time to be in Credit Risk with Sky!
What You'll Do:
- Budget Management: Oversee and manage the financial budget, including monthly tracking, analysis, and adjustments, ensuring the business stays within its allocated budget for the full year.
- Monthly Financial Reviews: Lead monthly sessions with the Director to review spend performance against forecasted goals, identify variances, and implement corrective actions where necessary.
- Full-Year Budget Planning: Develop and execute the full-year budget plan, ensuring alignment with strategic business goals and financial targets.
- Quarterly Planning for Risk Key Indicators: Analyse and incorporate sales plans into the quarterly planning process to assess and manage risk key indicators. Collaborate with business units to evaluate financial risks and opportunities.
- Collaboration with Cross-Functional Teams: Engage with stakeholders across Finance, Marketing, Trading, Commercial, and other departments to ensure plans are aligned with overall business strategy. Regularly update and communicate plans that impact KPIs and credit risk.
- Performance Tracking: Track current performance against plan, feed results into weekly/monthly updates, and present findings to senior management. Evaluate previous activity and ensure continuous improvement in planning and documentation processes.
- Forecasting and Budget Inputs: Engage with the Credit Risk team and capture upcoming costs for future deliveries to feed into budget planning and cost forecasting.
- Contract Management: Develop contract summaries for each supplier, outlining key terms, deliverables, and payment schedules. Utilize tools like Ariba/Beeline for managing purchase requisitions (PR) and ensuring compliance with procurement policies.
- Strategy Presentation: Present the plan and the strategy to wider teams and commercial stakeholders, ensuring alignment with business goals and performance targets.
- Proven experience in budget management, financial planning, and risk assessment.
- Strong forecasting experience, with expertise in sales, demand, or churn forecasts.
- Ability to analyse large data sets, with proficiency in tools like Excel.
- Strong commercial acumen and numeracy skills, with experience building business cases.
- Excellent problem-solving skills, with a keen eye for detail.
- Clear and concise communication skills, able to tailor messages for senior leadership.
- Collaborative attitude, with experience working with multiple stakeholders.
- Strong organisational skills and the ability to manage priorities and adapt to changing objectives.
- Experience in supplier onboarding and contract management, with knowledge of procurement tools like Ariba/Beeline.
We understand the importance of flexibility in today's working environment. That's why we've adopted a hybrid working approach, combining collaboration at our unique office spaces with the convenience of working from home. For this role, you'll typically work three days a week in the office (Mondays, Tuesdays, and Thursdays), with the option to work remotely on other days.
During the recruitment process, we'll provide more details on how this approach supports collaboration, productivity, and work-life balance. Your office base: Osterley Our Osterley Campus is a 10-minute walk from Syon Lane train station. Or you can hop on one of our free shuttle buses that run to and from Osterley, Gunnersbury, Ealing Broadway and South Ealing tube stations. There's also plenty of bike shelters and showers.
The Rewards:
There's a reason people can't stop talking about #LifeAtSky. Our great range of rewards really are something special, here are just a few: Sky Q, for the TV you love all in one place! A generous pension package! Private healthcare Discounted mobile and broadband Access a wide range of exclusive Sky VIP rewards and experiences
Inclusion:
We take pride in our approach to diversity and inclusion: we've been recognised by The Times and Stonewall for this, and we've committed £30million to support the fight against racial injustice. We've also set ambitious targets for increasing ethnic diversity and representation throughout our organisation and we'll do everything we can to support you during your application. If you need us to make any adjustments to our recruitment process, speak to our recruitment team who will be happy to support you.
Why wait? Apply now to build an amazing career and be part of a brilliant team. We can't wait to hear from you. To find out more about working with us, search #LifeAtSky on social media. A job you love to talk about.
Just so you know: if your application is successful, we'll ask you to complete a criminal record check. And depending on the role you have applied for and the nature of any convictions you may have, we might have to withdraw the offer.
Credit Risk Forecasting Analyst
Posted today
Job Viewed
Job Description
As a Credit Risk Forecasting Manager, you will be a driving force behind Sky's credit risk lending strategy. You will lead a dynamic team within a rapidly growing business, working closely with partners across Marketing, Trading, Finance, Product, Propositions, and Routes to Market in both the UK and European regions. This role is responsible for overseeing the company's budget management, risk analysis, and financial planning processes. You will collaborate with senior leadership to ensure strategic alignment with business goals while managing financial risks effectively.
We are part of the Connectivity org, and support on our Glass product, as well as other regions outside the UK. It's an exciting time to be in Credit Risk with Sky!
What You'll Do:
- Budget Management: Oversee and manage the financial budget, including monthly tracking, analysis, and adjustments, ensuring the business stays within its allocated budget for the full year.
- Monthly Financial Reviews: Lead monthly sessions with the Director to review spend performance against forecasted goals, identify variances, and implement corrective actions where necessary.
- Full-Year Budget Planning: Develop and execute the full-year budget plan, ensuring alignment with strategic business goals and financial targets.
- Quarterly Planning for Risk Key Indicators: Analyse and incorporate sales plans into the quarterly planning process to assess and manage risk key indicators. Collaborate with business units to evaluate financial risks and opportunities.
- Collaboration with Cross-Functional Teams: Engage with stakeholders across Finance, Marketing, Trading, Commercial, and other departments to ensure plans are aligned with overall business strategy. Regularly update and communicate plans that impact KPIs and credit risk.
- Performance Tracking: Track current performance against plan, feed results into weekly/monthly updates, and present findings to senior management. Evaluate previous activity and ensure continuous improvement in planning and documentation processes.
- Forecasting and Budget Inputs: Engage with the Credit Risk team and capture upcoming costs for future deliveries to feed into budget planning and cost forecasting.
- Contract Management: Develop contract summaries for each supplier, outlining key terms, deliverables, and payment schedules. Utilize tools like Ariba/Beeline for managing purchase requisitions (PR) and ensuring compliance with procurement policies.
- Strategy Presentation: Present the plan and the strategy to wider teams and commercial stakeholders, ensuring alignment with business goals and performance targets.
- Proven experience in budget management, financial planning, and risk assessment.
- Strong forecasting experience, with expertise in sales, demand, or churn forecasts.
- Ability to analyse large data sets, with proficiency in tools like Excel.
- Strong commercial acumen and numeracy skills, with experience building business cases.
- Excellent problem-solving skills, with a keen eye for detail.
- Clear and concise communication skills, able to tailor messages for senior leadership.
- Collaborative attitude, with experience working with multiple stakeholders.
- Strong organisational skills and the ability to manage priorities and adapt to changing objectives.
- Experience in supplier onboarding and contract management, with knowledge of procurement tools like Ariba/Beeline.
We understand the importance of flexibility in today's working environment. That's why we've adopted a hybrid working approach, combining collaboration at our unique office spaces with the convenience of working from home. For this role, you'll typically work three days a week in the office (Mondays, Tuesdays, and Thursdays), with the option to work remotely on other days.
During the recruitment process, we'll provide more details on how this approach supports collaboration, productivity, and work-life balance. Your office base: Osterley Our Osterley Campus is a 10-minute walk from Syon Lane train station. Or you can hop on one of our free shuttle buses that run to and from Osterley, Gunnersbury, Ealing Broadway and South Ealing tube stations. There's also plenty of bike shelters and showers.
The Rewards:
There's a reason people can't stop talking about #LifeAtSky. Our great range of rewards really are something special, here are just a few: Sky Q, for the TV you love all in one place! A generous pension package! Private healthcare Discounted mobile and broadband Access a wide range of exclusive Sky VIP rewards and experiences
Inclusion:
We take pride in our approach to diversity and inclusion: we've been recognised by The Times and Stonewall for this, and we've committed £30million to support the fight against racial injustice. We've also set ambitious targets for increasing ethnic diversity and representation throughout our organisation and we'll do everything we can to support you during your application. If you need us to make any adjustments to our recruitment process, speak to our recruitment team who will be happy to support you.
Why wait? Apply now to build an amazing career and be part of a brilliant team. We can't wait to hear from you. To find out more about working with us, search #LifeAtSky on social media. A job you love to talk about.
Just so you know: if your application is successful, we'll ask you to complete a criminal record check. And depending on the role you have applied for and the nature of any convictions you may have, we might have to withdraw the offer.
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Credit Risk Forecasting Analyst
Posted today
Job Viewed
Job Description
As a Credit Risk Forecasting Manager, you will be a driving force behind Sky's credit risk lending strategy. You will lead a dynamic team within a rapidly growing business, working closely with partners across Marketing, Trading, Finance, Product, Propositions, and Routes to Market in both the UK and European regions. This role is responsible for overseeing the company's budget management, risk analysis, and financial planning processes. You will collaborate with senior leadership to ensure strategic alignment with business goals while managing financial risks effectively.
We are part of the Connectivity org, and support on our Glass product, as well as other regions outside the UK. It's an exciting time to be in Credit Risk with Sky!
What You'll Do:
- Budget Management: Oversee and manage the financial budget, including monthly tracking, analysis, and adjustments, ensuring the business stays within its allocated budget for the full year.
- Monthly Financial Reviews: Lead monthly sessions with the Director to review spend performance against forecasted goals, identify variances, and implement corrective actions where necessary.
- Full-Year Budget Planning: Develop and execute the full-year budget plan, ensuring alignment with strategic business goals and financial targets.
- Quarterly Planning for Risk Key Indicators: Analyse and incorporate sales plans into the quarterly planning process to assess and manage risk key indicators. Collaborate with business units to evaluate financial risks and opportunities.
- Collaboration with Cross-Functional Teams: Engage with stakeholders across Finance, Marketing, Trading, Commercial, and other departments to ensure plans are aligned with overall business strategy. Regularly update and communicate plans that impact KPIs and credit risk.
- Performance Tracking: Track current performance against plan, feed results into weekly/monthly updates, and present findings to senior management. Evaluate previous activity and ensure continuous improvement in planning and documentation processes.
- Forecasting and Budget Inputs: Engage with the Credit Risk team and capture upcoming costs for future deliveries to feed into budget planning and cost forecasting.
- Contract Management: Develop contract summaries for each supplier, outlining key terms, deliverables, and payment schedules. Utilize tools like Ariba/Beeline for managing purchase requisitions (PR) and ensuring compliance with procurement policies.
- Strategy Presentation: Present the plan and the strategy to wider teams and commercial stakeholders, ensuring alignment with business goals and performance targets.
- Proven experience in budget management, financial planning, and risk assessment.
- Strong forecasting experience, with expertise in sales, demand, or churn forecasts.
- Ability to analyse large data sets, with proficiency in tools like Excel.
- Strong commercial acumen and numeracy skills, with experience building business cases.
- Excellent problem-solving skills, with a keen eye for detail.
- Clear and concise communication skills, able to tailor messages for senior leadership.
- Collaborative attitude, with experience working with multiple stakeholders.
- Strong organisational skills and the ability to manage priorities and adapt to changing objectives.
- Experience in supplier onboarding and contract management, with knowledge of procurement tools like Ariba/Beeline.
We understand the importance of flexibility in today's working environment. That's why we've adopted a hybrid working approach, combining collaboration at our unique office spaces with the convenience of working from home. For this role, you'll typically work three days a week in the office (Mondays, Tuesdays, and Thursdays), with the option to work remotely on other days.
During the recruitment process, we'll provide more details on how this approach supports collaboration, productivity, and work-life balance. Your office base: Osterley Our Osterley Campus is a 10-minute walk from Syon Lane train station. Or you can hop on one of our free shuttle buses that run to and from Osterley, Gunnersbury, Ealing Broadway and South Ealing tube stations. There's also plenty of bike shelters and showers.
The Rewards:
There's a reason people can't stop talking about #LifeAtSky. Our great range of rewards really are something special, here are just a few: Sky Q, for the TV you love all in one place! A generous pension package! Private healthcare Discounted mobile and broadband Access a wide range of exclusive Sky VIP rewards and experiences
Inclusion:
We take pride in our approach to diversity and inclusion: we've been recognised by The Times and Stonewall for this, and we've committed £30million to support the fight against racial injustice. We've also set ambitious targets for increasing ethnic diversity and representation throughout our organisation and we'll do everything we can to support you during your application. If you need us to make any adjustments to our recruitment process, speak to our recruitment team who will be happy to support you.
Why wait? Apply now to build an amazing career and be part of a brilliant team. We can't wait to hear from you. To find out more about working with us, search #LifeAtSky on social media. A job you love to talk about.
Just so you know: if your application is successful, we'll ask you to complete a criminal record check. And depending on the role you have applied for and the nature of any convictions you may have, we might have to withdraw the offer.
Credit Risk Forecasting Analyst
Posted today
Job Viewed
Job Description
As a Credit Risk Forecasting Manager, you will be a driving force behind Sky's credit risk lending strategy. You will lead a dynamic team within a rapidly growing business, working closely with partners across Marketing, Trading, Finance, Product, Propositions, and Routes to Market in both the UK and European regions. This role is responsible for overseeing the company's budget management, risk analysis, and financial planning processes. You will collaborate with senior leadership to ensure strategic alignment with business goals while managing financial risks effectively.
We are part of the Connectivity org, and support on our Glass product, as well as other regions outside the UK. It's an exciting time to be in Credit Risk with Sky!
What You'll Do:
- Budget Management: Oversee and manage the financial budget, including monthly tracking, analysis, and adjustments, ensuring the business stays within its allocated budget for the full year.
- Monthly Financial Reviews: Lead monthly sessions with the Director to review spend performance against forecasted goals, identify variances, and implement corrective actions where necessary.
- Full-Year Budget Planning: Develop and execute the full-year budget plan, ensuring alignment with strategic business goals and financial targets.
- Quarterly Planning for Risk Key Indicators: Analyse and incorporate sales plans into the quarterly planning process to assess and manage risk key indicators. Collaborate with business units to evaluate financial risks and opportunities.
- Collaboration with Cross-Functional Teams: Engage with stakeholders across Finance, Marketing, Trading, Commercial, and other departments to ensure plans are aligned with overall business strategy. Regularly update and communicate plans that impact KPIs and credit risk.
- Performance Tracking: Track current performance against plan, feed results into weekly/monthly updates, and present findings to senior management. Evaluate previous activity and ensure continuous improvement in planning and documentation processes.
- Forecasting and Budget Inputs: Engage with the Credit Risk team and capture upcoming costs for future deliveries to feed into budget planning and cost forecasting.
- Contract Management: Develop contract summaries for each supplier, outlining key terms, deliverables, and payment schedules. Utilize tools like Ariba/Beeline for managing purchase requisitions (PR) and ensuring compliance with procurement policies.
- Strategy Presentation: Present the plan and the strategy to wider teams and commercial stakeholders, ensuring alignment with business goals and performance targets.
- Proven experience in budget management, financial planning, and risk assessment.
- Strong forecasting experience, with expertise in sales, demand, or churn forecasts.
- Ability to analyse large data sets, with proficiency in tools like Excel.
- Strong commercial acumen and numeracy skills, with experience building business cases.
- Excellent problem-solving skills, with a keen eye for detail.
- Clear and concise communication skills, able to tailor messages for senior leadership.
- Collaborative attitude, with experience working with multiple stakeholders.
- Strong organisational skills and the ability to manage priorities and adapt to changing objectives.
- Experience in supplier onboarding and contract management, with knowledge of procurement tools like Ariba/Beeline.
We understand the importance of flexibility in today's working environment. That's why we've adopted a hybrid working approach, combining collaboration at our unique office spaces with the convenience of working from home. For this role, you'll typically work three days a week in the office (Mondays, Tuesdays, and Thursdays), with the option to work remotely on other days.
During the recruitment process, we'll provide more details on how this approach supports collaboration, productivity, and work-life balance. Your office base: Osterley Our Osterley Campus is a 10-minute walk from Syon Lane train station. Or you can hop on one of our free shuttle buses that run to and from Osterley, Gunnersbury, Ealing Broadway and South Ealing tube stations. There's also plenty of bike shelters and showers.
The Rewards:
There's a reason people can't stop talking about #LifeAtSky. Our great range of rewards really are something special, here are just a few: Sky Q, for the TV you love all in one place! A generous pension package! Private healthcare Discounted mobile and broadband Access a wide range of exclusive Sky VIP rewards and experiences
Inclusion:
We take pride in our approach to diversity and inclusion: we've been recognised by The Times and Stonewall for this, and we've committed £30million to support the fight against racial injustice. We've also set ambitious targets for increasing ethnic diversity and representation throughout our organisation and we'll do everything we can to support you during your application. If you need us to make any adjustments to our recruitment process, speak to our recruitment team who will be happy to support you.
Why wait? Apply now to build an amazing career and be part of a brilliant team. We can't wait to hear from you. To find out more about working with us, search #LifeAtSky on social media. A job you love to talk about.
Just so you know: if your application is successful, we'll ask you to complete a criminal record check. And depending on the role you have applied for and the nature of any convictions you may have, we might have to withdraw the offer.
Credit Risk Forecasting Analyst
Posted today
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Job Description
As a Credit Risk Forecasting Manager, you will be a driving force behind Sky's credit risk lending strategy. You will lead a dynamic team within a rapidly growing business, working closely with partners across Marketing, Trading, Finance, Product, Propositions, and Routes to Market in both the UK and European regions. This role is responsible for overseeing the company's budget management, risk analysis, and financial planning processes. You will collaborate with senior leadership to ensure strategic alignment with business goals while managing financial risks effectively.
We are part of the Connectivity org, and support on our Glass product, as well as other regions outside the UK. It's an exciting time to be in Credit Risk with Sky!
What You'll Do:
- Budget Management: Oversee and manage the financial budget, including monthly tracking, analysis, and adjustments, ensuring the business stays within its allocated budget for the full year.
- Monthly Financial Reviews: Lead monthly sessions with the Director to review spend performance against forecasted goals, identify variances, and implement corrective actions where necessary.
- Full-Year Budget Planning: Develop and execute the full-year budget plan, ensuring alignment with strategic business goals and financial targets.
- Quarterly Planning for Risk Key Indicators: Analyse and incorporate sales plans into the quarterly planning process to assess and manage risk key indicators. Collaborate with business units to evaluate financial risks and opportunities.
- Collaboration with Cross-Functional Teams: Engage with stakeholders across Finance, Marketing, Trading, Commercial, and other departments to ensure plans are aligned with overall business strategy. Regularly update and communicate plans that impact KPIs and credit risk.
- Performance Tracking: Track current performance against plan, feed results into weekly/monthly updates, and present findings to senior management. Evaluate previous activity and ensure continuous improvement in planning and documentation processes.
- Forecasting and Budget Inputs: Engage with the Credit Risk team and capture upcoming costs for future deliveries to feed into budget planning and cost forecasting.
- Contract Management: Develop contract summaries for each supplier, outlining key terms, deliverables, and payment schedules. Utilize tools like Ariba/Beeline for managing purchase requisitions (PR) and ensuring compliance with procurement policies.
- Strategy Presentation: Present the plan and the strategy to wider teams and commercial stakeholders, ensuring alignment with business goals and performance targets.
- Proven experience in budget management, financial planning, and risk assessment.
- Strong forecasting experience, with expertise in sales, demand, or churn forecasts.
- Ability to analyse large data sets, with proficiency in tools like Excel.
- Strong commercial acumen and numeracy skills, with experience building business cases.
- Excellent problem-solving skills, with a keen eye for detail.
- Clear and concise communication skills, able to tailor messages for senior leadership.
- Collaborative attitude, with experience working with multiple stakeholders.
- Strong organisational skills and the ability to manage priorities and adapt to changing objectives.
- Experience in supplier onboarding and contract management, with knowledge of procurement tools like Ariba/Beeline.
We understand the importance of flexibility in today's working environment. That's why we've adopted a hybrid working approach, combining collaboration at our unique office spaces with the convenience of working from home. For this role, you'll typically work three days a week in the office (Mondays, Tuesdays, and Thursdays), with the option to work remotely on other days.
During the recruitment process, we'll provide more details on how this approach supports collaboration, productivity, and work-life balance. Your office base: Osterley Our Osterley Campus is a 10-minute walk from Syon Lane train station. Or you can hop on one of our free shuttle buses that run to and from Osterley, Gunnersbury, Ealing Broadway and South Ealing tube stations. There's also plenty of bike shelters and showers.
The Rewards:
There's a reason people can't stop talking about #LifeAtSky. Our great range of rewards really are something special, here are just a few: Sky Q, for the TV you love all in one place! A generous pension package! Private healthcare Discounted mobile and broadband Access a wide range of exclusive Sky VIP rewards and experiences
Inclusion:
We take pride in our approach to diversity and inclusion: we've been recognised by The Times and Stonewall for this, and we've committed £30million to support the fight against racial injustice. We've also set ambitious targets for increasing ethnic diversity and representation throughout our organisation and we'll do everything we can to support you during your application. If you need us to make any adjustments to our recruitment process, speak to our recruitment team who will be happy to support you.
Why wait? Apply now to build an amazing career and be part of a brilliant team. We can't wait to hear from you. To find out more about working with us, search #LifeAtSky on social media. A job you love to talk about.
Just so you know: if your application is successful, we'll ask you to complete a criminal record check. And depending on the role you have applied for and the nature of any convictions you may have, we might have to withdraw the offer.