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ABOUT US Since 2020, Pliant has been on a mission to rethink credit cards and empower companies to grow by providing a smart way to pay that scale with their business. With our app and API-based solutions, Pliant allows companies to issue physical and virtual credit cards, automate payment processes, track spending, and seamlessly integrate these data into their finance stack. Pliant is growing quickly. With our expansion into 25 international markets, we believe that people, passion, and diversity are the key ingredients to our future success. Our growing team of 100+ Plianteers come from 25 nationalities and work remotely or in a hybrid environment from our headquarters in the heart of Berlin. And we're looking for more talented and committed people to join us on our journey! ABOUT THE ROLE As a (Senior) Credit Risk Manager (m/f/d) you will be responsible for the underwriting credit risk exposures to our European and UK SME and corporate clients. In addition to case processing, you will support us in continuously improving our underwriting standards and systems. You will work closely with Goncalo, our Head of Credit Risk Management, and colleagues from the Sales, Legal, Operations, Product and Risk teams. This role will be based in the UK (hybrid) with some travel from time to time to our Headquarters in Berlin. WHAT YOU'LL DO <ul><li>Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are.</li><li>Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude. </li><li>Credit decision: Decide on limit requests of our customers within your delegated authority and help us building a performing loan book.</li><li>Risk ownership: You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you regularly present to the credit risk committee.</li><li>Innovation: You get to the heart of complex operational workflows and IT systems, understand how to systematize, and continuously improve them together with your colleagues.</li><li>Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.</li></ul>WHAT YOU'LL BRING <ul><li>3-6 years of operational experience in risk assessment for corporate customers or SMEs from a bank or fintech.</li><li>Strong knowledge of accounting principles and industry-specific financial analysis. Previous exposure to open banking data is a plus.</li><li>Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions. </li><li>Experience with IT systems used for loan processing and credit decisioning.</li><li>Project management skills and demonstrated ability to design and steer complex projects end to end.</li><li>Determination and desire to work in a team to achieve high-quality results for our customers, even under stress.</li><li>Fluent English with very good writing skills. Other European languages are a plus.</li></ul>WHAT WE OFFER <ul><li>Opportunity to work on challenging projects with substantial responsibilities, enabling you to make a meaningful impact</li><li>Being part of a growing, dynamic, international team with flat hierarchies that that thrives on an exchange of knowledge and a drive for excellence</li><li>Competitive remuneration package</li><li>Flexibility and possibility to work remotely</li><li>Attractive benefits package including a monthly mobility allowance, a Wellhub membership, a company card with a monthly allowance for lunches, coffee, etc., and more.</li></ul>

(Senior) Credit Risk Manager (m/f/d)

EXCLUSIVE NETWORKS| Introduction Exclusive Networks (EXN) is a global cybersecurity specialist that provides partners and end-customers with a wide range of services and product portfolios via proven routes to market. With offices in over 45 countries and the ability to serve customers in over 170 countries, we combine a local perspective with the scale and delivery of a single global organization. Our best-in-class vendor portfolio is carefully curated with all leading industry players. Our services range from managed security to specialist technical accreditation and training and capitalize on rapidly evolving technologies and changing business models. For more information visit <a href="http://www.exclusive-networks.com" target="_blank">www.exclusive-networks.com</a>. At Exclusive Networks, we are passionate about making a difference. That means delivering the best to our clients, doing our part to create a prosperous and trusted digital world, and helping our people to realize their potential. Our benefits include: <ul><li>24 days holiday plus Bank holidays, increasing with service</li><li>Your birthday off</li><li>10% Bonus scheme</li><li>Volunteer Day</li><li>Hybrid Working</li><li>Ongoing learning and development</li><li>Health care scheme</li><li>5% Matched pension scheme</li><li>Beer fridge Friday and quarterly social events</li><li>Cycle to work scheme</li><li>Free parking</li><li>Enhanced maternity and paternity leave and more...</li></ul>DUTIES AND RESPONSIBILITIES| We are looking for Credit Solutions Manager to join our team . To maximise the credit facilities available across all customer accounts, aiding the sales team to grow the business, engaging regularly with customer and vendor visits as and when required. Supporting 1500 customers. Engage with our network of credit managers and work with them on international deals as and when needed. To manage and work with the Credit Risk team, managing risks with credit lines for customers and mitigate risks using various tools available. Thinking outside the box on new and innovative credit solutions, looking for proactivity and reducing reactivity. As the Credit Solutions Manager, you will: <ul><li>Proactively Work with sales and our customers to maximise credit terms, ensuring needs and expectations are addressed</li><li>Work with the Sales Director, be creative and explore new options to provide more extensive credit options</li><li>Support and work with the finance teams to mitigate risk.</li><li>Work and build relationships with our customers CFO's and FDs to evaluate risks</li><li>Develop a strong working relationship with our Commercial Director, advising on potential risk and escalate as needed.</li><li>Working with the Credit Risk Manager, providing Credit availability updates and credit exposure reports to the senior leadership team</li><li>Manage the credit risk data for review and evaluation register alongside the credit risk team</li><li>Manage order approval, archiving program and data check.</li><li> Have a good indication of our risk position at any given time</li><li>Ability to do senior risk portfolio management</li></ul>QUALIFICATIONS AND EXPERIENCE| The ideal Credit Solutions Manager will: <ul> <li>FCICM Qualified or qualified by experience</li> <li>5+ years Credit Management Experience</li> <li>Experience working in credit control would be advantageous</li> <li>Experience working in an IT distribution or IT Reseller environment and have a good knowledge of IT Reseller customers, would be preferable.</li> <li>Be service driven with a can-do attitude and the ability to build strong and lasting relationships both internally and externally</li> <li>Be analytical and detail orientated with strong research skills</li> <li>Be a supportive team player who is organised and thrives under pressure</li> <li>Be a confident and approachable person who is innovative, proactive, and solution driven.</li> <li>Be able to work in collaboration with wider team to explore all avenues.</li> <li>Proven track record of implementing flexible programmes to facilitate profitable growth</li> <li>Experience managing a team to required standards and efficiently and effectively dealing with performance management.</li> </ul>WHO ARE EXCLUSIVE NETWORKS?| About the company We are people focused and strongly believe that talent empowers us to continue our dynasty of disruption and growth in the future. Our Mission is to drive the transition to a totally trusted digital world for all people and organizations. Visit our website <a href="http://www.exclusive-networks.com" target="_blank">www.exclusive-networks.com</a>. We are proud to be an Equal Opportunity Employer. We are committed to the recruitment and hiring of individuals from diverse backgrounds and experiences, as we believe this strengthens our ability to develop superior solutions, make informed decisions, and better serve our valued customers. We do not discriminate against individuals on the basis of race, religion, color, national origin, gender, sexual orientation, disability status, or any similar characteristic. Employment decisions are made solely on the basis of qualifications, merit, and business need. We care about your data: please click here to read our Recruitment Data Protection Policy prior to applying, and therefore sharing your data with us.

Credit Risk Manager

About the job Morgan McKinley are delighted to be supporting our global client in Central Bath for a Credit Risk Manager. This is a fantastic opportunity for someone looking to progress their career with a brilliant client. The responsibilities include: Credit Risk Analysis <ul> <li>Evaluate the financial health and creditworthiness of potential clients using various data sources, including financial accounts, credit bureau reports, and market research.</li> <li>Monitor the solvency of existing clients and update risk assessments proactively to mitigate potential risks.</li> </ul>Compliance &amp; Risk Mitigation <ul> <li>Ensure adherence to compliance standards, including economic sanctions and due diligence processes.</li> <li>Manage risk mitigation strategies, including credit insurance and other tools to minimise exposure.</li> </ul>Reporting &amp; Stakeholder Communication <ul> <li>Provide clear and actionable risk insights to stakeholders at all levels, including senior leadership.</li> <li>Maintain accurate credit risk data and generate regular reports to support decision-making.</li> </ul>Team Leadership &amp; Collaboration <ul> <li>Lead and develop team members, with scope to expand the team as required.</li> <li>Collaborate with internal departments to embed a risk-aware culture across the organisation.</li> </ul>Market Awareness &amp; Innovation <ul> <li>Stay informed about market trends and external factors that may impact credit risk.</li> <li>Explore and implement automation and technology solutions to improve risk management processes.</li> </ul>Governance &amp; Strategy <ul> <li>Participate in regular risk review meetings to escalate key risks and monitor high-priority issues.</li> <li>Manage and oversee strategic risk management initiatives to align with organisational goals.</li> </ul>Ad-hoc Responsibilities <ul> <li>Support the team with additional tasks and projects as required, contributing to the overall effectiveness of the risk management function.</li> </ul>The package: <ul> <li>Up to £55,000 DOE</li> <li>Hybrid working - 1 to 2 days in the office per week </li> <li>Comprehensive benefit package</li> </ul>Morgan McKinley is acting as an Employment Agency and references to pay rates are indicative. Morgan McKinley encourages applications from all qualified candidates who represent the full diversity of communities in the UK. Accommodations are available on request for candidates taking part in all aspects of the selection process. BY APPLYING FOR THIS ROLE YOU ARE AGREEING TO OUR TERMS OF SERVICE WHICH TOGETHER WITH OUR PRIVACY STATEMENT GOVERN YOUR USE OF MORGAN MCKINLEY SERVICES.

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 ECD is a credit division responsible for corporate banking and structured finance credit for non-Japanese corporates, FIs, and Sovereigns. Its major functions are outlined as follows: <ul><li>analysing, approving, sanctioning and monitoring the credit quality of corporate credit risks and related risks;</li></ul><ul><li>analysing, approving, sanctioning and monitoring the credit quality of Leveraged Finance, Project Finance, Structured Trade Finance, Aircraft Finance, Asset-backed Finance (Securitisation)</li></ul><ul><li>Assessment and management of country risks</li><li>Management of problematic assets</li><li>Monitoring, reporting and early action</li><li>Portfolio analysis and management</li></ul>Our Credit Team is part of a global organisation located in Tokyo, New York, Los Angeles, Singapore and London. The London Credit team is responsible for the EMEA region and we work closely with other regions to ensure global consistency in credit approvals. Number of Direct Reports None Main Purpose of the Role <ul><li>To support 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.</li></ul><ul><li>To support Group Head to lead, manage, guide and develop a group of credit professionals responsible for leveraged finance, and other corporate credit of certain allocated sectors.</li><li>To exercise delegated credit approval authority of up to USD75mln, 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.</li><li>Taking an enterprise wide view to partner with the business to develop and set underwriting and risk appetite guidelines for new strategic or new product initiatives. </li></ul>Key Responsibilities <ul><li>Conduct credit analysis of principally leveraged finance transactions, including engaging with FO due diligence calls, drafting of credit papers, application of rating methodology, preparation of comparative statistics, graphs and tables under the guidance of senior management.</li><li>Monitor/review existing portfolio transactions and make recommendations in terms of credit and rating decisions.</li><li>Work on ad-hoc projects, as instructed by Group Head or senior management, to setup/adjust the risk criteria/policy and to improve the quality of portfolio.</li><li>Follow the trend, market, and developments in certain allocated sectors/products, EMEA countries, players and financial/legal structures and share those with the team.</li><li>Support the development of more junior colleagues in the team and share technical knowledge of certain allocated sectors/products.</li><li>As required, prepare reports for Tokyo Head Office and European Headquarters as well as creating credit committee materials.</li><li>To comply with all regulatory and compliance procedures.</li><li>Responsible for meeting internal policy requirements.</li></ul>Work Experience Essential: <ul><li>Experience of working in tier 1 bank credit division covering Leveraged Finance, or experience of working on leverage finance transactions within a major rating agency, or working in Leveraged Finance front line team.</li></ul>Preferred: <ul><li>Sufficient experience in alternative area if an applicant being single-experienced for either corporate or structured finance.</li><li>Good experience in investment banking in credit or front office</li></ul>Skills and Experience Functional / Technical Competencies: Essential <ul><li>Sufficient credit assessment and credit risk management skills</li><li>Adequate relevant leveraged finance product experience with a deep area of credit specialism</li><li>In depth knowledge of credit and risk principles, products, derivatives and management</li><li>Sufficient experience in dealing with regulatory audits associated to credit</li><li>Strong interpersonal skills with ability and experience to communicate to both senior management and junior members of staff.</li></ul>Preferred: Education / Qualifications: Essential <ul><li>Bachelor Degree</li></ul>Preferred: <ul><li>Masters Degree or equivalent, CFA qualification, recognized accountancy qualification.</li></ul>Personal Requirements <ul><li>Excellent communication skills demonstrating the ability to articulate and implement the vision/strategy for CIB Credit for EMEA</li><li>Results driven, with a strong sense of accountability</li><li>A proactive, motivated, creative and innovative approach to work</li><li>The ability to operate with urgency and prioritise work accordingly</li><li>Strong decision making skills, the ability to demonstrate sound judgement</li><li>Strong problem solving skills, and excellent interpersonal skills</li><li>Excellent attention to detail and accuracy</li><li>A calm approach, with the ability to perform well in a pressurized environment</li><li>A confident approach, with the ability to provide clear direction to the team</li><li>Excellent managerial/leadership ability to build and develop a first class credit team</li><li>An enterprise-wide strategic approach to the role of CIB Credit, with the ability to contribute strongly to a high performing team</li></ul>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.

Director, Credit Risk Manager, Mid Market Leverage Finance

Marex is a diversified global financial services platform, providing essential liquidity, market access and infrastructure services to clients in the energy, commodities and financial markets. The Group provides comprehensive breadth and depth of coverage across four core services: Market Making, Clearing, Hedging and Investment Solutions and Agency and Execution. It has a leading franchise in many major metals, energy and agricultural products, executing around 50 million trades and clearing 205 million contracts in 2022. The Group provides access to the world's major commodity markets, covering a broad range of clients that include some of the largest commodity producers, consumers and traders, banks, hedge funds and asset managers. Marex was established in 2005 but through its subsidiaries can trace its roots in the commodity markets back almost 100 years. Headquartered in London with 36 offices worldwide, the Group has over 1,800 employees across Europe, Asia and America. For more information visit <a href="http://www.marex.com" target="_blank">www.marex.com</a> Marex has unique access across markets with significant share globally both on and off exchange. The depth of knowledge amongst its teams and divisions provides its customers with clear advantage, and its technology-led service provides access to all major exchanges, order-flow management via screen, voice and DMA, plus award-winning data, insights and analytics. Risk management, on an intraday and overnight basis, of Marex firm commodity portfolios to mitigate risk and protect the Company's capital. Responsibilities: • Proactive management of firm accounts in excess of pre-defined risk parameters or experiencing trading losses to bring exposures within parameters and/ or protect the firm's capital. Actions may include prompt communication with firm traders on risk parameters breached, escalation to senior management within Risk and the business. • Oversight of daily reporting on firm positions including VaR, Sensitivity Analysis &amp; Stress Testing. Escalating key risk issues to both Risk and Business Management where required. • Liquidity analysis of firm portfolios and of individual underlying positions in relation to market depth. • Perform analysis and preparation of risk reports and risk Powerpoint packs as required by Senior Management and the Board. • Delivering on allocated projects and system development items as well as proactively engaging on risk or control improvement ideas with the wider team. • Responsibility for managing, mentoring, and training direct reports. • Ensuring London market risk team is adequately staffed to cover various markets and global trading hours. Team members holiday management. • To effectively communicate risk management principles to internal and external stakeholders. • Developing and maintaining effective Market Risk management systems. • Responsibility for ensuring adherence to risk policies &amp; procedures at all times and escalation of potential issues. Skills and Experience: • A strong quantitative background gained in education and/ or in a professional setting with particular focus on commodities options pricing &amp; hedging as well as exposure to risk management concepts, particularly VaR, Sensitivities &amp; Stress Testing. Candidates will be required to demonstrate understanding. • A strong risk management background with experience in commodities and a proven interest in markets (exchanges). • A good understanding of financial markets gained in a Brokerage or Banking institution from either the Risk Management or Trading sides. Experience of risk managing Exchange Traded Futures &amp; Options. • Composure, character and presence to work effectively in challenging market conditions to instil required level of authority on any situation. • Ability to build and maintain effective working relationships across all areas of the firm and communicate effectively across all levels. • Understanding of pre-trade and post-trade risk controls and their applications. • Leadership &amp; Managerial qualities. • Good understanding of processes, controls and responsibilities associated with a Financial Markets business. • Candidates with a strong programming skillset preferred (C+, SQL, Python, Matlab) • Strong Microsoft Office skills, high level VBA skills within Excel. • Relevant professional designation desirable. If you're forging a career in this area and are looking for your next step, get in touch! Marex is fully committed to being an inclusive employer and providing an inclusive and accessible recruitment process for all. We will provide reasonable adjustments to remove any disadvantage to you being considered for this role. We value the differences that a diverse workforce brings to the company. We welcome applications from candidates returning to the workforce. Also, Marex is committed to avoiding circumstances in which the appearance or possibility of conflicts of interest may exist within the hiring process. If you would like to receive any information in a different way or would like us to do anything differently to help you, please include it in your application. #LI-MH1

Commodities Market Risk Manager

We'll inspire and empower you to deliver your best work so you can evolve, grow and succeed - today and into tomorrow. We offer an exciting range of opportunities to develop your career within a supportive and diverse team who always strive to do the right thing for our people, clients and communities. People are our greatest asset, and we offer a competitive package to retain and attract the best talent. In addition to the benefits you'd expect, UK employees also receive free single medical cover and digital GP service, family-friendly benefits such as enhanced parental leave pay and free membership of employee assistance and parental programmes, plus reimbursement towards relevant professional development and memberships. We also give back to our communities through our Collectively program which incorporates matched-funding, paid volunteering time and charitable donations. Work-life balance and flexibility is a key focus area for us. We're happy to discuss hybrid, part-time and flexible working hours, patterns and locations to suit you and our business. About the Opportunity Nuclear Power Programmes is one of the newest Business Units and has been formed with the vision to support positive change and help shape the future of Nuclear Power. Operational throughout the UK and across continental Europe, we are seeking to expand our team on a variety of nuclear projects, which range in technologies and that find themselves at different stages of their development. To do this, we are seeking to continuously employ talented individuals to join our diverse team that are excited about nuclear projects and are committed to Net Zero, and Energy Security. In both client facing and internal roles we are delivering major programme and project management capabilities throughout the project lifecycle. We are driving to deliver safe, high quality and to time solutions by thinking innovatively and working collaboratively. Working on SZC you will develop the skills and core nuclear understanding to be successful in the New Nuclear industry. You'll be positioned to benefit from the near and long-term trend for Nuclear power providing the baseload to global energy needs. As a new Business Unit, you'll be joining at a time of innovation and change, with opportunity to put your mark on the business and for this contribution to be recognised. As a project controls professional you'll be working with the best talent in major programmes in the UK, with nationally significant/international level work experience. The core controls team has a successful track record of delivery for flagship programmes internationally. The team is committed to the highest standards of professional and personal development - Advanced analytics that go beyond conventional QRA methodologies and risk management tools. Continuous C-suite and Senior Civils Servants engagement and presentations at Project Expos and awards submissions. The purpose of the Assistant Risk Manager role is to support risk management within a local SZC programme, assist with compliance with SZC's PMO risk management direction, and genuinely help safeguard the programme area from major overruns: <ul><li>Facilitation skills; able to help facilitate workshops within programme under direction of more senior risk professionals.</li><li>Technical skills; able to help deliver QRAs, spanning Cost QRAs and Schedule QRAs under direction of more senior risk professionals.</li><li>Linked capability to integrate/support project controls/project delivery/business support processes (e.g. Finance).</li><li>Engagement skills; able to engage teams under direction of more senior risk professionals. </li></ul><ul><li>Demonstrable use of numerical and verbal communication skills within a business environment</li><li>Membership of one or more risk or project management organisation e.g. APM, PMI, IRM, CERA or a suitable equivalent.</li><li>Understanding of scheduling methodologies in project/programme management, including hands on experience of the leading software packages (Oracle P6/Microsoft Project or similar planning tools).</li><li>Being comfortable with quantitative analysis and advanced forecasting i.e. Monte-Carlo methods, probabilistic forecasting, and optimisation.</li><li>Experience of developing large data models (QSRA/QCRA etc) and their integration into decision making processes.</li><li>Understanding of Enterprise Risk Management (ERM) frameworks and standards. </li></ul>Our Culture Our values stand on a foundation of safety, integrity, inclusion and diversity. We put people at the heart of our business, and we genuinely believe that we all succeed by supporting one another through our culture of caring. We value positive mental health and a sense of belonging for all employees. We aim to embed inclusion and diversity in everything we do. We know that if we are inclusive, we're more connected, and if we are diverse, we're more creative. We accept people for who they are, regardless of age, disability, gender identity, gender expression, marital status, mental health, race, faith or belief, sexual orientation, socioeconomic background, and whether you're pregnant or on family leave. This is reflected in our wide range of Global Employee Networks centered on inclusion and diversity. We partner with VERCIDA to help us attract and retain diverse talent. For greater online accessibility, please visit <a href="http://www.vercida.com" target="_blank">www.vercida.com</a> to view and access our roles. As a Disability Confident employer, we will interview all disabled applicants who meet the minimum criteria for a vacancy. We welcome applications from candidates who are seeking flexible working and from those who may not meet all the listed requirements for a role. If you require further support or reasonable adjustments with regards to the recruitment process (for example, you require the application form in a different format), please contact the team. #SZC

Assistant Risk Manager - Hybrid

A BIT ABOUT FLOCK At Flock we do insurance very differently. Our real-time, data-driven approach means we're able to price connected vehicle insurance and assess risk better than ever before, whilst giving fleet owners the insights they need to improve safety. We don't just pay claims; we help our customers prevent them. We now insure hundreds of fleets in the UK, including the likes of JLR and Amazon, as well as fleets that work for DPD, Uber and Bolt. Last year we completed our Series B funding of $38m, led by Octopus Ventures. Our goal is to become the leading insurance company for connected and autonomous vehicles, and we're building a world-class team to help us get there. THE ROLE Build on the groundwork already laid to further develop the compliance and risk management function in Flock to ensure we stay ahead of the expectations from our carrier partners, investors and regulators as we continue to scale the business. WHAT WE THINK IS MOST EXCITING ABOUT THE ROLE <ul><ul><li>This is an opportunity to shape the way compliance and risk management is done in a fast growing MGA. We are looking for a "builder"; somebody who is never satisfied with the status quo and enjoys looking for and then executing on opportunities to improve.</li></ul></ul>A LITTLE MORE ON WHAT YOU'LL BE DOING <ul><ul><li>COMPLIANCE: </li><li>Own and evolve our compliance management framework and ensure it effectively embeds across all levels of the organisation including from a cultural perspective</li><li>Ensure our business practices continue to be compliant with regulatory requirements and meets the Compliance expectations of our other stakeholders, including our carrier partners</li><li>Work with all business functions to identify, document and agree on action plans to manage any gaps vs. requirements; this includes conducting regular thematic reviews of our current business practices</li><li>Support the Chair (= Flock's COO) of the Product Oversight and Governance Committee (POGC) with the effective running of the committee and timely handling of any action points arising; report key findings and action points to Flock's senior leadership team and the Board</li><li>As part of the POGC ensure appropriate compliance testing of new and existing products in accordance with the FCA rules in respect of Product Design - and make recommendations and oversee enhancements where necessary </li><li>Evolve our Compliance MI framework in conjunction with stakeholders in each of Flock's departments </li><li>Manage and co-ordinate contributions from other departments (including Finance) into all Regulatory submissions, e.g. RMAR </li><li>Maintain the company's policy framework, ensure all relevant policies are in place and are reviewed regularly. Own some of these policies as an individual contributor</li><li>Monitor the complaints process, providing complaint handling guidance to business leaders and complaint handlers, including independent quality assessment of complaint files, root cause analysis (RCA) and appropriate follow-up (in conjunction with the Head of Insurance Operations)</li><li>Oversee and monitor policy and regulatory breach logging. Undertake QA and appropriate root cause analysis, then engage with the business to ensure delivery of improvements where appropriate </li><li>Present Compliance updates to Flock's Senior Leadership Team and Flock Ltd.'s Board on a regular basis; hold senior leaders to account for delivery of their Compliance responsibilities </li><li>Horizon scan and understand the impact of any upcoming changes in regulation on the business, then advise and coordinate the implementation of any required changes</li><li>Ensure appropriate maintenance of the FCA registers (including SM&amp;CR) in relation to all business functions </li><li>RISK MANAGEMENT:</li><li>Own and evolve our company risk management framework and ensure it effectively embeds across all levels of the organisation including from a cultural perspective</li><li>Co-ordinate regular reviews of departmental risk registers and provide independent review and challenge of these across all business functions</li><li>Consolidate departmental risk registers into an overall Flock risk register highlighting key areas of risk and associated mitigation </li><li>Support the first line in clear and consistent articulation of risk appetite and assessment of actual risk levels, pre and post mitigation, against appetite; provide independent challenge of these assessments</li><li>Design &amp; prepare effective risk reporting including KPIs to the senior leadership team and the Board</li><li>Own the Company's annual purchase / renewal of insurance policies </li><li>LEGAL (optional)</li><li>For the right individual there is furthermore an opportunity to play an active role in various pieces of legal work including carrier TOBA preparation &amp; review, sub-broker TOBA preparation and review; commercial contract review and other ad hoc pieces of legal work </li></ul></ul>WHAT YOU'll BRING TO FLOCK <ul><ul><li>ESSENTIAL</li><li>A strong understanding of the regulatory environment as it applies to a Commercial insurance MGA</li><li>A structured approach that ensures effective management and prioritisation across a broad and varied agenda that continues to evolve as the company expands</li><li>A strong understanding of best in class risk management practices</li><li>A proven track record implementing change including strong interpersonal skills / the ability to bring stakeholders across the company with you as we evolve</li><li>The right level of gravitas to present to and interact with a senior audience both inside and outside of the company including the company's Board of Directors</li><li>Proactivity and drive - a track record of making things happen out of your own volition</li><li>PREFERABLE</li><li>Understanding of fleet insurance</li><li>Experience leading a company's risk and / or compliance function </li><li>An entrepreneurial, innovative spirit - a track record of finding novel ways to approach and solve problems</li><li>A legal background </li></ul></ul>WHAT WE OFFER (in addition to a competitive salary) • Participation in Flock's Share Option Scheme • 25 days of holiday (+ Bank Holidays) • Workplace Pension • Private Medical Insurance (including Optical , Dental &amp; Mental Health ) • Various Salary Sacrifice Schemes - Workplace Nursery, Holiday Purchase, Tech, Gym, Cycle to Work, Electric Vehicle, Private Medical Insurance for families • Enhanced Parental Leave and Pay • £1000 toward relevant professional qualifications • £500 per annum towards learning and development • 3 days paid leave for L&amp;D purposes At Flock, we typically follow a hybrid working model involving a minimum of 2 days per week spent in the office, which is based in Central London, a few minutes walk from Moorgate and Liverpool Street. ONE LAST THING.. Authenticity is important to us. We value the unique qualities and experiences you bring. So if you apply, just be your genuine self. It's who we want!

Head of Risk & Compliance

Job Title: First Line Credit Risk Modelling ManagerWorking Pattern: Monday to Friday, 36.25 hours per week Location: Flexible - Embrace fully remote or hybrid work from any of our vibrant UK offices in London, Cardiff, Durham, Manchester, or Blackpool. At Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated Credit Risk Modelling Manager, ready to make an impact, we've got a space with your name on it! The main purpose of the role is to manage the risk of Tandem's Lending Portfolios. We are Tandem - Where impact meets innovation Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share - all while nurturing our planet, our people and our customers. As one of Europe's fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future. Tandem also leads the way with a secondary app called Loop. Loop gives customers a simpler, hassle free and awkward free way to share money among friends. Your team: Collaborators in change Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. The role sits within the First Line Credit Risk team at Tandem. It's a new team being set up to provide high quality Credit Risk analysis and strategies to ensure Tandem grows safely and within our risk appetite. Your Impact: Building a greener tomorrow As a Credit Risk Model Manager at Tandem your focus will be on: <ul><li>Develop Application and Collection Scorecards for all Tandem's Lending products</li><li>Calculating cost of risk for pricing and risk reward models</li><li>Analysis on key risk trends and issue</li><li>Write proposals for approval at Credit Committee</li><li>Interaction with third parties including regulators, Credit Reference Agencies and consultancies</li><li>Developing and implementing advanced statistical models to predict credit risk, optimise credit scoring, and enhance our decision-making/underwriting processes.</li><li>Maintain and monitor all credit risk models and scorecards.</li><li>Analyse large datasets to identify trends, patterns, and insights that inform business decisions.</li><li>Perform data cleaning to ensure high-quality data for analysis,</li><li>Working independently and presenting findings and recommendations to stakeholders in a clear and concise manner.</li></ul>We'd love to hear from you if you have: <ul><li>Strong skills in at least one programming language (preferably Python and SQL)</li><li>Strong experience in the development and monitoring of retail Credit Risk application, management and measurement models</li><li>Good knowledge of consumer credit risk, including mortgages, personal loans and motor finance</li><li>Experience in calculating risk forecasts</li><li>Experience in risk analysis and reporting</li><li>Strong understanding of the use of scorecards and affordability models in Credit Risk strategies</li><li>Strong presentation skills, including the ability to translate complex data into understandable insight</li><li>A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate.</li><li>Able to work in a fast paced, changing environment.</li></ul>It would be great, but not essential if you have: <ul><li>Experience in corporate risk management and measurement</li></ul>Rewards that reflect your value, what's in it for you? At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us: <ul><li>25 days annual leave plus 8 days Bank Holiday</li><li>An additional day off for a 'celebration day' including, but not limited to, birthdays, weddings, religious holidays, graduations etc</li><li>Buy or sell up to 5 days holiday a year</li><li>Healthcare cash plan through Westfield Health worth a minimum of £750 per year</li><li>Electric Vehicle salary sacrifice scheme</li><li>Cycle to Work salary sacrifice scheme and a free helmet</li><li>Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)</li><li>Smart Tech scheme (buy goods with 0% interest)</li><li>10% discount on solar panels</li><li>Tandem Hub for treats, cash back and discounts on UK retailers</li><li>2 days per year paid volunteering</li><li>Free cereal, snacks and drinks in all offices</li><li>Quarterly team social budgets</li></ul>Our Green Deal: Your Impact Amplified A little welcome gift from us to you, we'll plant a tree in the Tandem Grove and you can enter into our "Green Deal" below: <ul><li>Volunteer 2 days a year for charity &gt; receive an early Friday finish</li><li>Raise £200 per annum for charity &gt; Tandem provide PR and marketing support</li><li>Have renewable energy at home &gt; receive an additional 1 day annual leave</li><li>Drive an electric car &gt; receive £500 towards a home charger</li></ul>Ready to make your mark? Apply now and let's pave the way to a greener world, together. Our approach to DE&amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments. Sourcing Model Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable. Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.

First Line Credit Risk Modelling Manager

Job Title: First Line Credit Risk Modelling ManagerWorking Pattern: Monday to Friday, 36.25 hours per week Location: Flexible - Embrace fully remote or hybrid work from any of our vibrant UK offices in London, Cardiff, Durham, or Blackpool. At Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated Credit Risk Modelling Manager, ready to make an impact, we've got a space with your name on it! The main purpose of the role is to manage the risk of Tandem's Lending Portfolios. We are Tandem - Where impact meets innovation Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share - all while nurturing our planet, our people and our customers. As one of Europe's fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future. Tandem also leads the way with a secondary app called Loop. Loop gives customers a simpler, hassle free and awkward free way to share money among friends. Your team: Collaborators in change Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. The role sits within the First Line Credit Risk team at Tandem. It's a new team being set up to provide high quality Credit Risk analysis and strategies to ensure Tandem grows safely and within our risk appetite. Your Impact: Building a greener tomorrow As a Credit Risk Model Manager at Tandem your focus will be on: <ul><li>Develop Application and Collection Scorecards for all Tandem's Lending products</li><li>Calculating cost of risk for pricing and risk reward models</li><li>Analysis on key risk trends and issue</li><li>Write proposals for approval at Credit Committee</li><li>Interaction with third parties including regulators, Credit Reference Agencies and consultancies</li><li>Developing and implementing advanced statistical models to predict credit risk, optimise credit scoring, and enhance our decision-making/underwriting processes.</li><li>Maintain and monitor all credit risk models and scorecards.</li><li>Analyse large datasets to identify trends, patterns, and insights that inform business decisions.</li><li>Perform data cleaning to ensure high-quality data for analysis,</li><li>Working independently and presenting findings and recommendations to stakeholders in a clear and concise manner.</li></ul>We'd love to hear from you if you have: <ul><li>Strong skills in at least one programming language (preferably Python and SQL)</li><li>Strong experience in the development and monitoring of retail Credit Risk application, management and measurement models</li><li>Good knowledge of consumer credit risk, including mortgages, personal loans and motor finance</li><li>Experience in calculating risk forecasts</li><li>Experience in risk analysis and reporting</li><li>Strong understanding of the use of scorecards and affordability models in Credit Risk strategies</li><li>Strong presentation skills, including the ability to translate complex data into understandable insight</li><li>A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate.</li><li>Able to work in a fast paced, changing environment.</li></ul>It would be great, but not essential if you have: <ul><li>Experience in corporate risk management and measurement</li></ul>Rewards that reflect your value, what's in it for you? At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us: <ul><li>25 days annual leave plus 8 days Bank Holiday</li><li>An additional day off for a 'celebration day' including, but not limited to, birthdays, weddings, religious holidays, graduations etc</li><li>Buy or sell up to 5 days holiday a year</li><li>Healthcare cash plan through Westfield Health worth a minimum of £750 per year</li><li>Electric Vehicle salary sacrifice scheme</li><li>Cycle to Work salary sacrifice scheme and a free helmet</li><li>Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)</li><li>Smart Tech scheme (buy goods with 0% interest)</li><li>10% discount on solar panels</li><li>Tandem Hub for treats, cash back and discounts on UK retailers</li><li>2 days per year paid volunteering</li><li>Free cereal, snacks and drinks in all offices</li><li>Quarterly team social budgets</li></ul>Our Green Deal: Your Impact Amplified A little welcome gift from us to you, we'll plant a tree in the Tandem Grove and you can enter into our "Green Deal" below: <ul><li>Volunteer 2 days a year for charity &gt; receive an early Friday finish</li><li>Raise £200 per annum for charity &gt; Tandem provide PR and marketing support</li><li>Have renewable energy at home &gt; receive an additional 1 day annual leave</li><li>Drive an electric car &gt; receive £500 towards a home charger</li></ul>Ready to make your mark? Apply now and let's pave the way to a greener world, together. Our approach to DE&amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments. Sourcing Model Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable. Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.

About the job Job DescriptionWhat is the opportunity?Associate Director in the Group Risk Management Wholesale Credit Risk team in London, focusing on corporates. Responsible for the management and oversight of credit risk related to an assigned portfolio of around 35 European focused corporate and leveraged finance loan and derivatives clients. The clients are active in a broad range of industries, including transportation, utilities, telecommunications, services, healthcare, retail and general industrial. What will you do? <ul> <li>The risk assessment of portfolio counterparties;</li> <li>Assigning an indicative Borrower Risk Rating at origination and adjudicating subsequent Borrower Risk Rating reviews;</li> <li>Reviewing new loan originations and monitoring of existing portfolio</li> <li>Approving (within delegated authorities) or recommending new or additional credit risk exposure (lending and trading credit) to those entities</li> <li>Work in partnership with the front office and other teams within Credit so that risks are proactively managed and decisions are consistent with the overall risk appetite of the bank.</li> <li>Provide support for the growth of Capital Markets business in the UK, Continental Europe and Australia;</li> </ul>What do you need to succeed?Must-have <ul> <li>Ability to assess complex loan structures, including financial statement and credit analysis.</li> <li>Ability to assess business risk, supported by company reporting, financial, commercial and technical due diligence.</li> <li>Familiar with, and ability to review excel based financial forecast models.</li> <li>Work collaboratively with the front office teams (Leverage Finance, Corporate Banking and Derivatives) to keep credit exposure within risk appetite.</li> <li>High level of drive and motivation to manage multiple credit requests concurrently during busy times.</li> <li>Able to priortise and produce written communications to tight client deadlines.</li> </ul>Nice-to-have <ul> <li>Previous experience in corporate loan origination or at a rating agency.</li> <li>Accounting or CFA qualification.</li> </ul>Morgan McKinley is acting as an Employment Agency and references to pay rates are indicative. Morgan McKinley encourages applications from all qualified candidates who represent the full diversity of communities in the UK. Accommodations are available on request for candidates taking part in all aspects of the selection process. BY APPLYING FOR THIS ROLE YOU ARE AGREEING TO OUR TERMS OF SERVICE WHICH TOGETHER WITH OUR PRIVACY STATEMENT GOVERN YOUR USE OF MORGAN MCKINLEY SERVICES.

Corporate Credit Risk Manager - VP

Job Description We're AtkinsRéalis, a world-leading design, engineering, and project management organization. We connect people, data, and technology to transform the world's infrastructure and energy systems. Become a vital member of our Project &amp; Programme Services team, proudly taking on some of the world's most exciting and prestigious projects. Join us, and you'll be part of our genuinely collaborative environment, where everyone is supported to make the most of their talents. It's about recognizing everyone's contributions equally while delivering excellence together. Flexible and remote working are central to our culture, so talk to us about what's important to you, from reduced weeks to buying more leave, and how we can make reasonable adjustments for you or support your ambitions outside of work. Join our Risk Management team and make a positive impact working on the most significant and complex infrastructure projects. Here your expertise in risk management across the construction, energy, or infrastructure sectors is highly valued. Collaborating with colleagues as talented as you, you'll lead projects ranging in value from £20m+ to £20Bn+, gaining diverse experience with a rewarding variety of high-profile clients across multiple sectors. Responsibilities: <ul><li>Support the successful delivery of risk management services in a consistent, professional manner with the aim of exceeding client expectations.</li><li>Implement effective risk management activities to actively reduce risk exposure and uncertainty on projects &amp; programmes.</li><li>Support development and implementation of risk management approaches/systems for clients, incorporating best practice and procedures.</li><li>Facilitate workshops and engage with project teams to ensure the effective implementation of risk management.</li><li>Support risk analyses using industry recognised software / databases.</li><li>Support preparation of risk reports summarising outputs to suit needs of the project / programme.</li></ul>Requirements: <ul><li>A recognised diploma or degree with a qualification in risk management is desirable.</li><li>Awareness of Risk Management processes aligned with ISO31000/ Institute of Risk Management / Association of Project Management methodologies and techniques.</li><li>Aptitude for learning and motivated to take on new challenges.</li></ul>To do well in this role you'll need to be able to demonstrate the following: <ul><li>A confident and professional manner, coupled with excellent communication skills, with clients and colleagues alike, to ensure clarity in all situations and to effectively influence.</li><li>An analytical thinker, you'll also be able to show initiative and examples of creativity.</li><li>Self-motivated and able to work well on your own initiative.</li><li>Highly organised and able to prioritise.</li><li>Ability to collaborate and build relationships across the wider teams.</li><li>Ability to work well under pressure and proven ability to deliver to deadlines.</li></ul>Why work for AtkinsRéalis? Join our Project &amp; Programme Services team and expand your career on some of the industry's most exciting and newsworthy construction projects - from Sizewell C to the world's tallest hotel, London's Heathrow Airport to Europe's first eco-friendly mosque. You'll enjoy invaluable exposure to international expertise as well as innovation in local niche areas. Communities are at the heart of our work and our people are proud to be working towards a Net Zero Carbon future and regenerating cities across the UK. <a href="https://careers.atkinsrealis.com/csr" target="_blank">https://careers.atkinsrealis.com/csr</a> AtkinsRéalis is committed to developing its people both personally and professionally. Our colleagues have the advantage of access to a high ranging training portfolio and development activities designed to help make the best of individual's abilities and talents. We also actively support staff in achieving corporate membership of relevant institutions. <a href="https://careers.atkinsrealis.com/" target="_blank">https://careers.atkinsrealis.com/</a> Meeting your needs: To help you get the most out of life in and outside of work, we offer employees "Total Reward." It's a package that can be tailored to your changing lifestyle, career and personal needs. Making sure you're supported is important to us. So, if you identify as having a disability, tell us ahead of your interview, and we'll discuss any adjustments you might need. New name, new era. We are AtkinsRéalis. It will take some time for all our information to update - you can still refer to our fantastic benefits via the link below. YourReward at AtkinsRéalis (atkinsrealis.com) Additional Information: This role may require security clearance and offers of employment will be dependent on obtaining the relevant level of clearance. If this is necessary, it will be discussed with you at interview. The vetting process is delivered by United Kingdom Security Vetting (UKSV) and may require candidates to provide proof of residency in the UK of 5 years or longer. If applying to this role please do not make reference to (in conversation) or include in your application or CV, details of any current or previously held security clearance. We are committed to promoting a diverse and inclusive community - a place where we can all be ourselves, thrive and develop. To help embed inclusion for all, from day one, we offer a range of family friendly, inclusive employment policies, flexible working arrangements and employee networks to support staff from different backgrounds. As an Equal Opportunities Employer, we value applications from all backgrounds, cultures and ability. Equality, diversity &amp; inclusion in the UK &amp; Europe (atkinsrealis.com) #LI-UK#LI-ATKINS #PPSProContr Worker Type Employee Job Type Regular At AtkinsRéalis, we seek to hire individuals with diverse characteristics, backgrounds and perspectives. We strongly believe that world-class talent makes no distinctions based on gender, ethnic or national origin, sexual identity and orientation, age, religion or disability, but enriches itself through these differences.

Assistant Risk Manager (Infrastructure)

Graduate Assistant Risk Manager Application Deadline: 28 February 2025 Department: Infrastructure Employment Type: Permanent - Full Time Location: G&amp;T London Description Summary: The role of a G&amp;T Graduate Risk Manager is to support the successful delivery of construction projects and facilitate a broader understanding of the challenges faced. Risk Managers ensure that risks and opportunities are identified early, communicated clearly, and managed effectively: we do this using a range of tools and techniques to track and escalate risks, as well as using risk data and statistics to drive better decision making by project leadership. Role Overview: As a Graduate Risk Manager, you will spend 2-2.5 years working towards Chartered membership of RICS or APM with the opportunity to also study The International Certificate in Enterprise Risk Management (IRM), while also gaining valuable work experience. You will be working towards becoming a professional with expert knowledge of leading and managing the risk function within a project team. You will also be picking up key skills across all project controls disciplines, to provide a greater breadth of understanding and progression opportunities. The role will be varied, and the actual experience gained will be dependent on the team and sector you are working in. You will join the G&amp;T Chartership Programme to ensure you can relate the theoretical aspects of your studies to actual work experience. Working within a team, you will be assisting your Line Manager with various aspects of daily work. In this role you will be expected to work with a certain level of autonomy while also knowing when to discuss and ask questions to ensure the best outcome. You will be building a solid knowledge base of your role, the firm and the industry, and how they all fit together. General Responsibilities Working with your line manager, the role will typically involve the following: Schedule: <ul><li>Review project schedules, using the principles of schedule management, to identify potential timeline risks, determine risk proximity, and calculate float adjusted impact </li><li>Interrogate the technical quality of project schedules and assess their appropriateness for Monte Carlo risk modelling</li><li>Build a schedule at the appropriate level for Monte Carlo risk modelling (either through rolling up an existing project schedule, or generating a new schedule through Interactive Planning Workshops with the project team)</li></ul>Cost: <ul><li>Develop an understanding the principles of estimating / cost management, in order to challenge risk quantification figures provided by the project team</li><li>Perform gap analysis exercises on a project estimate against a defined scope of works</li><li>Provide recommendations on CBS structure, to ensure it is appropriate for Monte Carlo risk modelling</li></ul>Risk Management: <ul><li>Develop and maintain project risk registers, aligned to client governance processes (and G&amp;T best practice)</li><li>Assess likelihood, impact (schedule and cost) of risks and propose mitigation strategies, where appropriate</li><li>Provide recommendations on RBS structure, to ensure it is appropriate for Monte Carlo risk modelling</li><li>Review and develop large risk data sets in preparation for risk modelling utilising various tools such as MS Excel and Safran Risk</li></ul>Risk Modelling: <ul><li>Describe the Quantitative Risk Assessment (QRA) process to clients and establish a tailored process for delivery (with associated agendas)</li><li>Facilitate and lead QRA workshops, in order to attain the required information for Monte Carlo risk modelling</li><li>Build a risk model (in appropriate software) and run Monte Carlo analysis for a schedule</li><li>Build a risk model (in appropriate software) and run Monte Carlo analysis for a cost estimate</li><li>Interpret risk modelling results, defining key risk and uncertainty drivers </li></ul>Reporting: <ul><li>Produce technical reports on the suitability of project information (schedule, estimate, risk register) for Monte Carlo risk modelling </li><li>Produce QRA reports detailing probability dates, costs and key drivers</li><li>Present reports to the client organisation, including any subsequent recommendations</li></ul>Skills Knowledge and Expertise <ul><li>2.1 or above in your degree</li><li>Excellent working knowledge of current IT systems </li><li>Understand the importance of client care &amp; building relationships </li><li>Excellent communication skills</li><li>Trustworthy and reliable </li><li>Ability to prioritise work efficiently </li><li>Ability to work to deadlines </li><li>Ability to work as part of a team and on own initiative </li><li>Proactive and flexible approach to different situations </li><li>Dedication and commitment </li><li>Desire to learn </li><li>Genuine interest in social and economic infrastructure, and property </li></ul>Please note : We are unable to support/sponsor individuals who require a work permit to work in the UK for our early experience roles. We also recruit on a rolling basis and reserve the right to close applications for this role if all positions have been filled ahead of the date advertised.

Graduate Assistant Risk Manager

Buro Happold is seeking a Credit Risk Manager to take ownership of the groups Credit Risk Function. As the primary contact for the credit risk team, you will oversee all aspects to safeguard the group from potential credit losses. Externally, your role involves providing credit risk advice and monitoring the client portfolio for failure risks. Internally, you will drive the operational engine that ensures the prevention of losses. A key component of this role is conducting detailed analyses of businesses worldwide, offering expert opinions on client solvency and sanctions risk. Stakeholders rely on this advice during their decision-making processes. Additionally, building strong relationships with key stakeholders is crucial. You will escalate risks and advocate for the use of your insights to protect the group from losses. This is a full-time permanent hybrid role, combining office and home working. You'll be expected to be in the Bath or London office at least 2 days per week. Here at Buro Happold, expect the exceptional. From the projects you will work on to the clients we work with. From career-defining opportunities to an inclusive and diverse practice where we all contribute to a more equitable world. From our reputation to our relationships. Wherever your Buro Happold career takes you, it'll be anything but ordinary. Your next role Join us and be surrounded by exceptional opportunities in an environment alive with innovation and possibility. Your new team has a willingness and curiosity to see possibility and potential in everything - from the most iconic projects to our everyday conversations. We are looking for a passionate candidate who can inspire and motivate at every level. Buro Happold has a clear strategic plan, excellent learning culture and entrepreneurial mindset that will allow you to thrive. You'll be part of something bigger than us all where sustainability, equity, socialand performance outcomes matter. Buro Happold is committed to doing the right thing, even when that's the hardest thing. This is a genuine opportunity to make impact - and leave real legacy. Key duties: <ul><li> Utilising financial accounts, credit bureau data and own public domain research to evaluate the creditworthiness &amp; insolvency risk of international prospective clients - from micro company to conglomerate size. </li><li> Point of contact for Economic Sanctions compliance and due diligence. </li><li> Manage the Country Risk Watchlist and provide guidance where needed. </li><li> Manage one direct report with scope to expand the team with company growth. </li><li> Feed credit risk insights and analysis into the global business, clearly articulating risks to stakeholders at all levels of the business up to the board. </li><li> Solvency monitoring of our client portfolio and updating risk gradings. Spot potential insolvency risks ahead of time to give adequate warning to the business. </li><li> Management of the groups credit insurance policies and reviewing the adequacy of other risk mitigants available in the market. </li><li> Build awareness of and monitor the wider markets, evaluating issues that may affect BH group credit risk. </li><li> Join monthly Commercial Risk meetings with regional leaders to escalate key credit risks and monitor our top risks. </li><li> Collaborate with other departments such as Commercial and legal, bid teams and leadership groups to promote a risk aware culture. </li><li> Build relationships with stakeholders globally to increase the adoption of credit risk insights. </li><li> Management of our Credit Risk data and reporting, ensuring accuracy and keep unrated clients to a minimum. </li><li> Continuous tendering and review of external suppliers and how AI can help the function, to ensure key needs are met, with value for money achieved. </li><li> Drive more automation of Credit Risk in the UK and EU to drive collections activity via our new AR system. Freeing up analyst time for where it is needed most. </li></ul> Your skills and experience: <ul><li> Any credit/loan underwriting or credit risk analysis experience. </li><li> Preferably a Member of the Chartered Institute of Credit Management or a willing to work towards CICM qualification. </li><li> Well versed in Sanctions Legislation and how it applies to the B2B environment. </li><li> Comfortable providing credit feedback and advice to senior stakeholders up to board level globally. </li><li> Able to build relationships and trust with stakeholders globally. </li><li> Self-motivated - able to drive forward your area with your own ideas and desire to succeed. </li><li> Experience in the construction sector and/or experience analysing businesses in the construction sector globally is preferrable. </li><li> Politically and economically aware. </li><li> Able to manage information overload and filter down to key pieces of information that drive timely &amp; accurate credit assessments. </li><li> Inquisitive mind and a willingness to go extra mile with research and analysis. </li><li> Attention to detail. </li><li> Line management experience is preferrable. </li><li> Intermediate to Advanced Excel Skills. </li></ul> What we offer: Bring your knowledge and expertise to one of the world's most respected consultancies. <ul><li> Attractive salary and benefits package including, private medical insurance, car allowance, life assurance and income protection. </li><li> Holiday entitlement of 25 days per annum (exclusive of bank holidays) and flexible holiday arrangements. </li><li> Generous company pension scheme. </li><li> Flexible benefits including cycle scheme, dental insurance, optical cover, travel insurance, season ticket loans, and corporate discounts. </li><li> Enhanced parenthood leave policies. </li><li> 3pm finish on the last Friday of the month. </li><li> A strong commitment to your continuous development. Whatever stage in your career, we have a learning and development programme that will enable and empower you. </li><li> Entitlement to two memberships to professional bodies or subscriptions </li><li> A commitment to your wellbeing through a comprehensive employee assistance programme and wellbeing activities A supportive and inclusive environment that will welcome you through social and outreach activities from the Young Employees Forum to mentoring. </li></ul> At Buro Happold, everyone else's extraordinary is just our everyday. Apply today and be a part of our legacy. #LI-CO1 #LI-Hybrid A place for everyone Buro Happold values an individual's flexible approaches to working patterns as an important part of how you work and achieve balance. We welcome applications from those who are seeking flexibility in their careers. Our exceptional portfolio of projects is the result of the diversity of thought, identities, backgrounds, and experiences that shape us. Appreciating each other's differences is key, we want employees to feel they don't have to mask elements of their identity to thrive. We are working to change the lack of representation of marginalised groups in the built environment. We are particularly keen to hear from anyone who feels they are underrepresented in the industry. We have much to learn from one another. Embracing differences allows us to develop the most innovative and elegant solutions. Please let us know if there are any adjustments we could make to the application process to make it easier and more comfortable for you. Contact <a href="mailto:recruitment@burohappold.com" target="_blank">recruitment@burohappold.com</a> so we can work with you to support you throughout your application. Attached documents <ul> <li> Job Description Credit Risk Manager 111124.pdf </li> </ul>

Red Bull UK is recruiting for a Credit Risk Manager - Treasury, to be based within London UK. The Credit Risk Manager is required to take full responsibility for Red Bull UK's accounts receivable management, maximizing incoming cash receipts and continually looking to optimise the order-to-cash cycle with a progressive and solutions-focused mindset. This role involves overseeing the Accounts Receivable team, implementing effective credit policies in line with Red Bull HQ, and optimizing cash flow while minimizing bad debt. The Credit Risk Manager plays a crucial role in supporting the company's financial health and operational efficiency, creating value for internal and external stakeholders. Managing a team of three, you will maintain a high-quality and professional sales ledger function, bringing accounts receivable to life through a philosophy of active business partnering and personal development. With our People Strategy at the core of everything we do, you will engage, develop, and retain your direct reports through active hands-on, day-to-day management and the definition of longer-term development goals, exciting the team with opportunities inside and outside the traditional AR landscape. The role will embody Red Bull's philosophies on progression and development and will support the pipeline of future finance talent. RESPONSIBILITIES Areas that play to your strengths All the responsibilities we'll trust you with: <ul><li>Order-To-Cash Define, influence, and lead a right-first-time process mentality, challenging existing ways of working and standard operating procedures. Drive and lead process design and continuous improvement opportunities, identifying actionable insights to support team efficiencies. Work closely with the Operations teams to ensure order processing efficiency and accuracy, with a total OTC ownership mindset. Engage local and HQ stakeholders to recommend system improvements, innovations, and enhancements across the Treasury &amp; Finance organisations. Hands-on approach and inquisitive nature.</li><li>Credit Risk &amp; Accounts Receivable Management Support the Treasury Manager and Financial Accounting team by owning and redefining month-end reporting obligations &amp; responsibilities. With a hands-on approach, maximize cash collection and mitigate bad debt exposure within our customer portfolio. Create regular insights and assessments on the credit risk exposure of Red Bull's customer portfolio, providing recommendations to mitigate any exposure. Engage and develop relationships with Key Account teams and customer contacts, driving efficiencies and challenging existing ways of working throughout the OTC cycle. Ensure the accuracy and cleanliness of Red Bull's sales ledger by creating SOPs and standardized routines across the team to deliver DSO and Net High Risk targets. Oversee the internal rebate approval process, ensuring on-time invoice approvals and balance sheet cleanliness, engaging with key internal stakeholders to improve ways of working and processes.</li><li>People Management Take full responsibility for the performance monitoring of the team, defining short, medium, and long-term operational goals, and owning monthly, quarterly, and yearly performance appraisals. You will be responsible for the team's KPIs and deliverables, creating an environment of progression and innovation, and crafting bespoke performance objectives and personal development plans while always keeping the team's brand in mind. Define, manage, and review the roles &amp; responsibilities of the team, always ensuring an appropriately resourced and engaged team is in place. By living Red Bull's people values and philosophies, you will create a positive culture based on feedback, coaching, and development.</li><li>Business Partnering Establish and develop a key senior internal and external stakeholder network, becoming a credible Business Partner at all levels and always driving the Finance agenda. Create successful partnerships with the Financial Accounting and Sales Controlling teams, creating transparency, visibility, and support on planning cycles and key statutory deadlines. Create successful partnerships with Key Account teams and key customers, influencing ways of working and successful outcomes in the Finance teams. Use data to communicate key messages to drive change and influence key stakeholders. Get out there and seek answers to questions that haven't been answered before.</li></ul>EXPERIENCE Your areas of knowledge and expertise that matter most for this role: <ul><li>CIMA/ACCA/AAT/CICM qualifications a plus but Red Bull also values experience over formal education.</li><li>Strong experience in accounts receivable or credit management, preferably within the FMCG sector.</li><li>Proven track record of managing a high-volume receivables portfolio and leading a professional team in a dynamic environment. Change management experience is a plus.</li><li>A solid understanding of financial accounting and reporting.</li><li>Experience with SAP ERP systems and OTC process enhancements and optimisations. Proficient use of Microsoft Excel and other Microsoft products.</li><li>Demonstrated success in maximising incoming cash receipts and improving accounts receivable processes, reducing days sales outstanding (DSO), and other KPIs in the FMCG or retail space.</li><li>Sound commercial understanding and curiosity about the wider business and development opportunities.</li><li>Outstanding communication and interpersonal abilities, with the ability to effectively communicate information verbally, in writing, and with graphical tools as necessary.</li><li>Analytical, with an eye for detail and capable of working quickly to a high standard of accuracy.</li><li>Ability to work under pressure, prioritising one's own work and the work of the team in an organised and accurate manner within tight deadlines, while remaining calm and focused.</li><li>Be enthusiastic and versatile, and be able to build, develop, and maintain good working relationships with colleagues.</li><li>Comfortable operating in a fast-paced environment.</li></ul><ul><li>Travel 0-10%</li></ul>WHERE YOU'LL BE BASED LondonEngland, United Kingdom United KingdomRed Bull UK JOIN THE TEAM

Credit Risk Manager - Treasury

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 THE DEPARTMENT/SECTION EMEA Financial Institution Credit Risk Management ("CRM FIG") is a credit risk team within 2LoD Risk department. It is responsible for credit risk management inclusive of review and approval of banks, insurance companies, funds and sovereigns within the EMEA region. The team is entity agnostic and cover both MUFG Securities ("MUS") and MUFG Bank for counterparty credit risk. Across borrowing and trading activities. Major functions are outlined as follows: <ul><li>Assessment and management of credit risks and related risk Credit Risk Approval</li><li>Management of problematic assets</li><li>Monitoring, reporting and early action</li><li>Portfolio analysis and management</li></ul>MAIN PURPOSE OF THE ROLE <ul><li>Assign credit ratings and formulate credit proposals in support of financing solutions, primarily for financial sponsors and inclusive of NAV Financing; Private Equity Portfolio Financing (Secondary NAV); Equity Margin Loans; Subscription Facilities and Hybrid NAV/Subscription Facilities.</li><li>Set risk appetite for client and product scope above and approve/recommend transaction within Delegated Credit Authority where applicable. Evaluate transactions for approval in accordance with applicable policies, procedures and delegated authorities. Ensure that risk appetite is clearly understood by 1LoD stakeholders through active dialogue with trading; sales and relationship manager counterparts.</li><li>Monitor and exercise oversight over own portfolio of clients and take proactive actions when necessary.</li><li>Work closely with the front office to assist business initiatives, new product launches and develop risk culture across 1st and 2nd line of defense.</li><li>Collaborate across the wider FIG Credit team as well as EMEA Risk Management function and relevant global functions in MUBK and MUS.</li><li>On an ad-hoc basis, support the enhancement of monitoring efficiency, system developments and risk measure as part of multi-department projects.</li></ul>KEY RESPONSIBILITIES <ul><li>Assessment and recommendation of appropriate rating and credit limits financing solutions, primarily for financial sponsors and inclusive of NAV Financing; Private Equity Portfolio Financing (Secondary NAV); Equity Margin Loans; Subscription Facilities and Hybrid NAV/Subscription Facilities.</li><li>Oversee the annual review of existing limits and counterparties.</li><li>Maintenance of EMEA portfolio across MUBK and MUS within areas of responsibility.</li><li>Run periodic due diligent meetings with clients.</li><li>Support on new product adoption including defining risk acceptance criteria, rating models and credit risk measurements.</li><li>Provide creative solutions by influencing transaction structures and credit risk related terms/conditions when required.</li><li>Present transactions to senior management (including the Chief Risk Officer) for discussion and approval. Analyse and present complex structures and make recommendations to senior Risk management staff, in a concise and clear manner.</li><li>Opine on credit risk related terms in trading documentation to mitigate credit risk and ensure transactions perform as expected. This will involve liaison with Legal department, Structuring and clients or their lawyers.</li><li>Monitor that transactions of the delegated responsibility perform within the terms of the credit approval. Assess portfolio level risks.</li><li>Compliance with all regulatory requirements as well as internal policy and procedure</li></ul>WORK EXPERIENCE <ul><li>Strong financial sector experience in a credit risk management role with a focus on funding solutions for financial sponsors.</li></ul>SKILLS AND EXPERIENCE Functional / Technical Competencies: <ul><li>Experience from NAV Financing and Private Equity Portfolio Financing (Secondary NAV) is required with additional experience from other fund financing solutions such as subscription lines being preferred.</li><li>Competence in analysing financial sponsor investment strategies with a focus on buy-out, private credit and infrastructure funds.</li><li>Experience from opining on legal documentation from a credit perspective. Familiarity with key regulatory frameworks and relevant banking regulation that impact credit risk management.</li></ul>Education / Qualifications: Essential <ul><li>Bachelor Degree or equivalent with a focus in the areas of finance, economics or accounting (Essential) Preferred:</li><li>Master's Degree and relevant industry accreditation (Beneficial)</li></ul>PERSONAL REQUIREMENTS <ul><li>Excellent communication skills with the ability to convey credit arguments clearly and concisely</li><li>Results driven, with a strong sense of accountability</li><li>The ability to operate with urgency and prioritize work accordingly</li><li>Strong decision-making skills, the ability to demonstrate sound judgement</li><li>A structured and logical approach to work</li><li>Excellent interpersonal skills</li><li>The ability to manage large workloads and tight deadlines</li><li>Excellent attention to detail and accuracy</li><li>A calm approach, with the ability to perform well in a pressurised environment</li><li>Excellent Microsoft Office skills</li></ul>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.

Vice President, Credit Risk Manager

About the job The Corporate Credit Team is responsible for providing management and analytical support for the Bank's activities in its Global Market Commodities business area and implementing the Bank's credit procedures and policies, including approval of credit limits. It is also responsible for managing a portfolio of structured financing credit risks associated with the Bank's strategic lending transactions and related investing activities, with the primary objective of managing risk within acceptable parameters. This position will have a primary focus on the Bank's energy related counterparty portfolio, for both financing and derivatives products. What you'll be doing Evaluation and Approval of Credit Applications: <ul> <li>Ownership and understanding of the risk profile of a commodities related counterparty credit portfolio.</li> <li>Formulation and evaluation of credit proposals, with a comprehensive risk assessment for new or increased facilities, in addition to annual reviews on the existing portfolio. Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counterparty and structural risks.</li> <li>Provide support to senior Credit management in all aspects.</li> <li>Close working relationship and engagement with Deal Teams.</li> <li>Prepare and present applications to Credit Committee and other Risk forums involving Senior Management.</li> <li>Articulate credit appetite and give guidance on structure of deals and documents required to mitigate risks as far as possible.</li> <li>Coordinate and ensure that post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction.</li> <li>Follow up and address non-adherence to terms and conditions of sanction by counterparties; to consider the inherent risk therein and to make recommendations as to action to be taken to regularise or mitigate such increased risk.</li> <li>Participate in ad-hoc projects and portfolio reviews as required from time to time.</li> <li>On-going Credit Management:</li> <li>Leadership</li> </ul>What you'll need to be successful <ul> <li>Experience in writing credit applications and analysing transactions within the credit risk department of a Financial Institution.</li> <li>Good understanding of accounting (both management and financial accounting) to analyse financial strengths and weaknesses of clients and identify potential risks to credit proposals</li> <li>Good understanding of lending and derivative products related to the Energy sector, including ability to analyse and interpret cash-flow models and conduct sensitivity analysis. Experience in the renewables sector or an interest and willingness to develop this.</li> <li>Ability to understand structured deals and provide guidance to ensure sound security / covenant structures are in place.</li> <li>Ability to interact with Front Office providing credit support to Deal Teams and Sales Teams.</li> <li>Experience of engaging with clients to discuss transaction terms and related credit risks.</li> <li>Working knowledge of the risk systems for monitoring and related procedures for analysing the account behaviour of clients and identifying trends and shifts in credit risk profiles.</li> <li>Conceptual and practical knowledge of credit procedures, policies and standards.</li> <li>A track record of operating with a personal delegated approval authority.</li> </ul>Morgan McKinley is acting as an Employment Agency and references to pay rates are indicative. Morgan McKinley encourages applications from all qualified candidates who represent the full diversity of communities in the UK. Accommodations are available on request for candidates taking part in all aspects of the selection process. BY APPLYING FOR THIS ROLE YOU ARE AGREEING TO OUR TERMS OF SERVICE WHICH TOGETHER WITH OUR PRIVACY STATEMENT GOVERN YOUR USE OF MORGAN MCKINLEY SERVICES.

Senior Credit Risk Manager - Oil & Gas

Job Description Purpose of the role To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities. Accountabilities <ul><li>Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.</li><li>Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default.</li><li>Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.</li><li>Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.</li></ul>Vice President Expectations <ul><li>Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment.</li><li>Manage and mitigate risks through assessment, in support of the control and governance agenda.</li><li>Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does.</li><li>Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business.</li><li>Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies.</li><li>Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions.</li><li>Adopt and include the outcomes of extensive research in problem solving processes.</li><li>Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.</li></ul>All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship - our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset - to Empower, Challenge and Drive - the operating manual for how we behave. Join us as a UK Corporate Banking -Credit Risk Manager where you will play a critical role within Barclays' Credit Risk team by managing and evaluating credit risks across a diverse portfolio of Corporate Bank clients. Your responsibilities include analyzing and approving credit proposals within delegated authority, monitoring industry and portfolio developments, and conducting in-depth financial risk assessments to ensure risk is managed within acceptable limits. You will lead credit processes for complex transactions, prepare cases for senior sanctioning, and contribute to strategic risk initiatives and projects. This role requires expertise in financial analysis, risk assessment, and industry research to help uphold Barclays' robust risk management framework. To be successful as a UK Corporate Banking - Credit Risk Manager you should have experience with: • Financial risk analysis (balance sheet, P&amp;L and cash flow) of clients including supporting the credit approval process. • Assessment of business and financial risks. • Support in financial modelling or stress testing in support of requests/transactions. • Analysis of the credit risk across a wide range of corporate and investment banking products. • Transaction structuring and lending products documentation • Industry sector analysis (trends, success factors, competition, etc. • Determining/recommending and monitoring of ratings and other relevant credit parameters. • Maintaining the respective internal data systems and support internal/external reporting. • Leading credit processes for complex transactions. • Experience in corporate credit, project finance and / or leverage finance. • Project management and proficiency on credit risk systems. Best practices and system improvements. • Case presentation to committees and senior sanctioners where appropriate. • Proactively contributing to strategic initiatives and projects within the risk function. You may be assessed on key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen, strategic thinking and digital and technology, as well as job-specific technical skills. This role is based in London.

UK Corporate Banking -Credit Risk Manager

End Date Saturday 04 January 2025 Salary Range £73,521 - £81,690 We support flexible working - click here for more information on flexible working options Flexible Working Options Job Share Job Description Summary Sitting within our Risk function, Risk Science is a centre of excellence for analytics, modelling, and customer insights. You'll be part of a specialist modelling team focused on building and delivering industry leading Capital, Impairment, and pricing models within the Commercial book of the Group. We work with data that underpins vital business decisions, and together we make it possible to add customer value, control risk, and help to build a safe, strong bank for our customers. Could you help us become more insightful about data to reshape our business and deliver success? Job Description JOB TITLE: Credit Risk Modelling Manager SALARY: £73,521 - £81,690 LOCATION: Edinburgh, Leeds, Cardiff or Bristol HOURS: Full time WORKING PATTERN: Hybrid, 40% (or two days) in an office site About this opportunity Sitting within our Risk function, Decision Science is a centre of excellence for analytics, modelling, and customer insights. You'll be part of a specialist modelling team focused on building and delivering industry leading Capital, Impairment, and pricing models within the Commercial book of the Group. We work with data that underpins vital business decisions, and together we make it possible to add customer value, control risk, and help to build a safe, strong bank for our customers. Could you help us become more insightful about data to reshape our business and deliver success? <ul><li>Take ownership for delivery of modelling and analytic projects, ensuring these are completed in line with business requirements.</li><li>Lead the design of modelling solutions (calibrations, analytics &amp; development) to high technical standards and following internal policies and external regulation.</li><li>Provide technical leadership, mentoring and management to less experienced team members.</li><li>Be hands-on with data, developing and validating models and running impact assessments to understand customer behaviour and credit performance and to tell a story to the business in order to influence decision making.</li><li>Due to the nature of our work, which spans capital, pricing &amp; IFRS9 models you will build close relationships with many other Risk teams, Impairment Finance and our business colleagues too!</li><li>Participate actively in the Decision Science management team, supporting senior managers in delivering of wider team initiatives and proactively contributing to development of positive team culture.</li></ul>About us Like the modern Britain we serve, we're evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We're growing with purpose. Join us on our journey and you will too... What you'll need <ul><li>You'll have had experience in either capital/CRDIV modelling, pricing or impairment modelling, or a similar role</li><li>To succeed in this role you will need to have strong knowledge of SAS</li><li>You'll have a track record of end to end project management</li><li>You'll have an understanding of the current regulatory capital environment</li><li>Experience with stakeholder management, especially as it relates to driving change in an organization</li><li>Strong communication skills, both in writing and informally are a must</li><li>Strong analytical skills are also required</li></ul>And any experience of these would be really useful <ul><li>An understanding of Python, SQL, or Pyspark would be useful.</li><li>Commercial banking modelling experience would be beneficial, but is not required</li><li>People management experience would also be useful</li></ul>About working for us Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative. And it's why we especially welcome applications from under-represented groups. We're disability confident. So if you'd like reasonable adjustments to be made to our recruitment processes, just let us know. We also offer a wide-ranging benefits package, which includes: • A generous pension contribution of up to 15% • An annual bonus award, subject to Group performance • Share schemes including free shares • Benefits you can adapt to your lifestyle, such as discounted shopping • 30 days' holiday, with bank holidays on top • A range of wellbeing initiatives and generous parental leave policies Want to do amazing work, that's interesting and makes a difference to millions of people? Join our journey. At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop. We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person. We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

Credit Risk Modelling Manager

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: <ul><li>analysing, approving, sanctioning and monitoring the credit quality of corporate credit risks and related risks;</li></ul><ul><li>analysing, approving, sanctioning and monitoring the credit quality of Leveraged Finance, Project Finance, Structured Trade Finance, Aircraft Finance, Asset-backed Finance (Securitisation)</li></ul><ul><li>Assessment and management of country risks</li><li>Management of problematic assets</li><li>Monitoring, reporting and early action</li><li>Portfolio analysis and management</li></ul>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 <ul><li>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.</li><li>To support the Group Head to lead, manage, guide and develop a group of credit professionals responsible for Middle Market &amp; Growth Tech credit, and of certain allocated sectors.</li><li>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.</li></ul>Key Responsibilities <ul><li>Specifically, you will be accountable and responsible for taking appropriate action with respect to Middle Market and Growth Technology credit including:</li></ul><ul><li>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 &amp; Healthcare Credit Team.</li><li>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.</li><li>To make balanced, timely and thoughtful credit decisions within the firm's risk appetite.</li><li>Responsible as a senior credit counterpart to front line relationship managers and applicable product origination and distribution businesses.</li><li>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.</li><li>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.</li><li>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. </li><li>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.</li><li>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.</li><li>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.</li><li>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.</li></ul>Work Experience Essential: <ul><li>Strong experience working in financial institutions carrying out credit work for the Middle Market and Growth Technology area</li><li>Strong experience in corporate banking and/or structured finance</li></ul>Preferred: <ul><li>Experience of exercising personal delegated authority</li><li>Experience of setting and applying credit risk strategy within a broader business strategy.</li><li>Proven experience in investment banking in credit or front office</li></ul>Skills and Experience Functional / Technical Competencies: <ul><li>Extensive experience in lending to technology companies, preferably in the mid-market and growth (cash flow negative) segment</li><li>Strong knowledge of corporate credit analysis, accounting, legal/documentation, and technology lending marketplace</li><li>Extensive portfolio management experience</li><li>Excellent communication and stakeholder management skills</li><li>Excellent analytic and quantitative skills</li></ul>Education / Qualifications: Essential <ul><li>Bachelor Degree</li></ul>Personal Requirements <ul><li>Excellent communication skills</li><li>Results driven, with a strong sense of accountability</li><li>A proactive, motivated approach</li><li>The ability to operate with urgency and prioritize work accordingly</li><li>Strong decision making skills, the ability to demonstrate sound judgement</li><li>A structured and logical approach to work</li><li>Strong problem solving skills</li><li>A creative and innovative approach to work</li><li>Excellent interpersonal skills</li><li>The ability to manage large workloads and tight deadlines</li><li>Excellent attention to detail and accuracy</li><li>A calm approach, with the ability to perform well in a pressured environment</li><li>Strong numerical skills</li><li>Excellent Microsoft Office skills</li><li>A strategic approach, with the ability to lead and motivate</li><li>The ability to articulate and implement the vision/strategy for CIB Credit for EMEA</li></ul>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.

Director, Credit Risk Manager, Mid Market and Growth Technology

About the job Credit Risk Modelling Manager Our client, an established bank, is looking to recruit a Credit Risk Modelling Manager within their London office, with hybrid working. The role will involve managing existing statistical models, developing new models, understanding new and existing data sources and ensuring model compliance against regulatory standards. Role Responsibilities: <ul><li>Playing a key role in the design, development, implementation and maintenance of IFRS9 Credit Risk models </li><li>Taking ownership for the delivery of individual model development and maintenance tasks </li><li>Delivering quarterly model monitoring to ensure accurate quality assessment of performance and investigating any key areas of concern</li><li>Challenging existing processes and pro-actively identifying and implementing improvements in all areas of phases of technical developments</li><li>Ensuring that all Governance and Compliance requirements are adhered to </li><li>Ensuring that all credit modelling activity meets best practice, policies, standards and where appropriate, ensure compliance with PRA and other regulations</li></ul>Qualifications and Experience Required: <ul><li>A degree in a numerate subject with knowledge of advanced statistical and analytical techniques</li><li>Experience in the development of IFRS9 credit risk models in banking, ideally including scorecards or PD/EAD/LGD models</li><li>Knowledge of credit risk management techniques</li><li>Experienced in the extraction and manipulation of data to support risk model development and modelling software tools (e.g. SAS, Python, R) for developing predictive model suites </li></ul>Please find further job openings from Campion Pickworth at <a href="https://campionpickworth.com/vacancies/" target="_blank">https://campionpickworth.com/vacancies/</a>

About the job Credit Risk Manager - IFRS 9 Our client, a well-established Corporate bank, is looking to recruit a Credit Risk Manager for IFRS 9 in their London office, with hybrid working. You will be reporting to the Head of Credit Risk, and lead the production of IFRS 9 expected losses, including analysis and explanation of key drivers. This will give you the opportunity to develop your career at a growing bank in a highly visible role interacting with the senior leadership team. Role Responsibilities: <ul><li>Responsibility for the ongoing production of IFRS 9 expected losses, including analysis and explanation of key drivers. </li><li>Enhancing IFRS 9 management information packs to provide insight and drive recommendations. </li><li>Working to streamline the monthly reporting process to promote accuracy and timeliness. </li><li>Supporting the validation and audit of models and the associated model lifecycle. </li><li>Responsibility for the implementation of newly developed second generation IFRS 9 models and changes and enhancements to the existing model suites. </li><li>Maintenance and continuous improvement of an appropriate data structure to deliver efficient and effective model risk management. </li><li>Supporting the development of the bank's second generation IFRS 9 models. </li></ul>Qualifications/Experience required: <ul><li>Strong understanding of IFRS 9 model requirements and model development experience. </li><li>Significant experience of using SAS (macros, arrays, scoring / simulation engines); knowledge of other programming languages will be advantageous (SQL, R, Python, etc.). </li><li>Experience implementing new models into Live within a strict change-control environment. </li><li>An understanding of Credit Risk and techniques used to develop Credit Risk Models. </li><li>Strong mathematical and statistical background and knowledge of statistical modelling techniques. </li><li>Excellent written and presentational skills. </li><li>Experience of data mining. </li><li>Advanced knowledge of MS Office suite (Excel, Power BI, Powerpoint, Word) </li><li>Experience of analysing SME credit and experience in a credit risk reporting role would be advantageous. </li></ul>

Credit Risk Manager - IFRS 9

About the job Market Risk Manager Our client is looking for a Market Risk Manager to join their expanding team in London. The Manager will have the opportunity to work on a variety of complex and high-profile projects, with some of the largest financial institutions globally, focusing on traded products and a wide stakeholder landscape across Front office, Risk, Model development and validation, Finance and Technology functions. Key Responsibilities: <ul><li>Participating in Risk engagements with a Market and/or Counterparty credit risk focus</li><li>Working effectively as a team member sharing responsibility, providing support, maintaining communication, and updating senior team members on progress </li><li>Assisting in preparing reports and schedules that will be delivered to clients and other parties </li></ul>Qualifications and Experience Required: <ul><li>Strong academic background including at least a 2.1 Bachelor's degree</li><li>Professional qualification e.g. CQF / CFA / FRM / PRM</li><li>Demonstrable, relevant experience in Financial Services</li><li>Experience in any of the following: VBA/ Java / C++/ SQL/ R / Matlab / .NET and reporting and project management tools (Tableau, MS Project etc.) </li><li>Good understanding of Derivative Pricing, Market and CVA methodologies </li><li>Good understanding of risk and controls, risk appetite, risk framework and policies, target operating model and governance, traded risk measurement and monitoring, internal model permissions, and regulatory interactions </li><li>Project management and report writing experience </li><li>Experience in stakeholder and client management </li></ul>Please find further job openings from Campion Pickworth at <a href="https://campionpickworth.com/vacancies/" target="_blank">https://campionpickworth.com/vacancies/</a>

Market Risk Manager

About the job Regulatory Credit Risk Manager Our client, an established bank, is looking to recruit a Regulatory Credit Risk Manager based in the West Midlands with hybrid working. The successful candidate will have a background in retail banking, with a COREP capital reporting focus, and knowledge of the CRR and PRA Rulebook. The Specialist will be the subject matter expert for capital and IRB with regards to prudential and regulatory reporting matters. They will participate in thematic reviews and change projects, such as IRB accreditation and implementation of new regulatory reporting software. Role Responsibilities: <ul><li>Leading the delivery of submissions and regulatory input on capital and IRB related areas </li><li>Providing relevant regulatory reporting project work, supporting the build and test of new reports</li><li>Supporting the development, documentation and maintenance of written policies and training materials</li><li>Aiding the development, documentation and maintenance of procedures and process maps relating to capital and IRB regulatory reporting and other prudential activities </li><li>Providing ad hoc cover within BAU regulatory reporting activities </li><li>Maintaining the company's compliance standards</li></ul>You will have: <ul><li>Previous experience of working within capital regulations and regulatory reporting within retail banking </li><li>Strong subject matter expertise within capital regulations and regulatory reporting </li><li>Experience of IRB regulatory reporting requirements</li><li>Knowledge of elements of the PRA regulatory framework relating to capital</li><li>Specialist regulatory expertise regarding the retail banking industry and IRB approach </li><li>Intermediate knowledge of Excel, Word and PowerPoint </li><li>Knowledge of Basel 3/CRR/PRA Rulebook (including COREP) </li><li>An accounting or treasury professional qualification would be advantageous</li></ul>Please find further job openings from Campion Pickworth at <a href="https://campionpickworth.com/vacancies/" target="_blank">https://campionpickworth.com/vacancies/</a>

Regulatory Credit Risk Manager

Overview: Our client is a Big 4 advisory firm, leading in risk and regulatory advice across the financial markets, working directly with a pick of the top tier banks. What we are looking for: We are currently looking experienced financial risk managers, fervent about contributing positively towards impacting climate change. We are looking ideally for credit risk experts that can help build out this growing practice If you have expertise from across financial risk (credit, market, modelling) then we would like to speak with you. The combination of this specific technical knowledge with honed commercial and people consulting skills is a real asset and something that will set you up for rapid growth and success in the consulting world. What this role can offer you: This is a fantastic opportunity to be part of the growth of a new and impactful business area, and will provide you with the platform work with some of the leading lights in the climate risk and banking space, providing real client value and thus high levels of personal visibility and recognition for your work. You progress in this firm and team would be unobstructed and within you own control.

Climate Risk Modelling - Senior Manager

Job Description Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a new function in the 1st Line of Defense, to house and consistently manage credit risk activities performed across its Institutional Client Group organization. ICM's Counterparty Credit Risk's objective is to provide integrated "end-to-end" credit underwriting, identification, measurement, management, and monitoring for wholesale credit risk across the enterprise. Within ICM, the CCR Underwriting function provides analysis, greenlight, underwriting, first-line-of-defense credit approval and subsequent credit monitoring across all ICG wholesale credit businesses including Banking, Capital Markets, and Advisory (BCMA), Global Structured Products, Financings, and Securitizations (GSP-F&amp;S), Treasury &amp; Trade Services (TTS), Markets, and Securities Services (MSS). The Credit Risk Manager will be part of the global CCR underwriting function, spanning various products including subscription call facilities, Fund Financing, FX, Derivatives, Prime Brokerage, and structured lending. Candidate should have experience managing alternative managers like Hedge Funds, Private Equity and Institutional Family Offices. Key Responsibilities: <ul><li>Evaluating transactions risk across the business covering full range of complex products</li><li>Role demands excellence in analysis, underwriting, monitoring, and drives global consistency across regions</li><li>Conduct and take ownership of the Credit Approval Memo process (CAM), generate risk rating and update on an as need basis, perform quality control of the CAM / Risk Rating Scorecard</li><li>Negotiation of credit structures and documentation, including ISDA's, Derivatives Clearing, Prime Brokerage and Repo documents</li><li>Strong knowledge of Derivatives and structured lending</li><li>Facilitate relationships with key clients in Banking and Risk</li></ul>Client Relationships / Business Partnership: <ul><li>Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors</li><li>Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships</li><li>Proven track record of partnering with global peers in leveraging and implementation of best practices</li></ul>Knowledge, skills and experience required: <ul><li>Ability to understand capital markets products and complex financing and product structures</li><li>Significant risk/risk-related counterparty credit work experience in banking/financial institutions with expertise in the alternative investment counterparties</li><li>Demonstrates strong ethics and integrity</li><li>Dynamic, flexible, and with strong communication skills </li><li>Can make decisions under pressure and short timeline</li><li>Excellent verbal &amp; written communication skills. Active listening skills. </li><li>Excellent presentation skills - adept at presenting effectively to audiences of various sizes and various constituencies.</li></ul>Qualifications: <ul><li>4+ years in Risk Management covering Hedge Funds, Private Equity and Institutional Family Offices</li><li>Bachelor's degree/University degree or equivalent experience</li><li>Master's degree preferred</li></ul>#LI-SH2 Job Family Group: Risk Management Job Family: Credit Decisions Time Type: Full time Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Citigroup Inc. and its subsidiaries ("Citi") invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View the "EEO is the Law" poster. View the EEO is the Law Supplement. View the EEO Policy Statement. View the Pay Transparency Posting

26 Risk Modelling Jobs in England