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At Zego, we understand that traditional motor insurance holds good drivers back. It's too complicated, too expensive, and it doesn't reflect how well you actually drive. Since 2016, we have been on a mission to change that by offering the lowest priced insurance for good drivers. From van drivers and gig workers to everyday car drivers, our customers are the driving force behind everything we do. We've sold tens of millions of policies and raised over $200 million in funding. And we're only just getting started. ROLE OVERVIEW As the Head of Risk and Compliance you will be responsible for designing, implementing, and overseeing Zego's risk management and compliance strategies. You will ensure that the business operates within regulatory requirements while proactively managing risks to safeguard customers, stakeholders, and Zego. This role requires a strategic thinker who can balance regulatory obligations with commercial objectives in a fast-paced, tech-driven environment. WHAT YOU'LL BE WORKING ON Risk Management: Your role will be central to keeping Zego on solid ground, ensuring the business is prepared for the challenges of a fast-moving and competitive industry while prioritizing good customer outcomes. Here's what that means in practice: <ul> <li>You'll refine and strengthen Zego's existing risk management framework, ensuring it remains aligned with strategic goals and incorporates a focus on protecting customer interests. The framework will support identifying, assessing, and mitigating potential risks while safeguarding Zego's ability to deliver fair value and reliable services to customers.</li> <li>You'll keep a watchful eye on risks across all areas of the business: financial, operational, IT-related, regulatory, or reputational. By anticipating issues before they arise, you'll help Zego stay ahead while ensuring potential risks do not compromise the customer experience or the delivery of good outcomes.</li> <li>You'll oversee the implementation of scalable risk controls and monitoring processes. These controls will be designed to minimise disruption to customers while ensuring their needs and expectations are consistently met.</li> <li>You'll work to deepen Zegons' understanding of risk management at all levels, helping them recognise how effective risk management supports good customer outcomes. Through targeted training sessions, open communication, and ongoing engagement, you'll embed a culture that prioritises customer protection alongside business resilience.</li> </ul>Compliance Management: Compliance isn't just about ticking boxes, it's about building trust and ensuring Zego consistently delivers on its promises to customers. You'll lead the way by: <ul> <li>Supporting the team to monitor FCA requirements and other regulatory obligations, keeping Zego compliant while ensuring good customer outcomes are met.</li> <li>Refining and enhancing compliance policies and procedures to ensure they are clear, actionable, and customer-focused. By improving Zegons' understanding of these policies, you'll empower them to take ownership of their role in maintaining compliance and delivering good outcomes for customers.</li> <li>Leading the team to conduct regular reviews and audits of the Compliance Monitoring Programme, identifying gaps and ensuring control measures are working effectively, evaluation improvements made for their impact on customer outcomes.</li> </ul>Reporting: Effective reporting is vital to governance, ensuring transparency, accountability, and a commitment to good customer outcomes. <ul> <li>You'll ensure reporting mechanisms are robust and aligned with regulatory expectations while highlighting their impact on customers. This includes tracking performance metrics related to customer outcomes, such as complaints resolution and value assessments.</li> <li>You'll prepare and present detailed reports to the Board, Risk Committees, and other stakeholders. These reports will include compliance performance, emerging risks, and regulatory updates, with a particular focus on how these factors influence customer trust and satisfaction.</li> <li>You'll manage the preparation and submission of regulatory filings, ensuring they meet deadlines and reflect Zego's commitment to transparency and delivering fair value to customers.</li> <li>In the event of regulatory breaches, you'll lead the response and reporting process, emphasising how corrective actions will minimise customer impact and prevent future occurrences.</li> </ul>Operational Leadership: You'll lead by example, ensuring Risk and Compliance delivers real impact while keeping customer needs at the forefront: <ul> <li>You'll mentor Risk and Compliance team members, helping them understand the importance of aligning their work with customer-centric goals and equipping them to meet those objectives effectively.</li> <li>As Zego develops and launches new products, you'll ensure they meet regulatory requirements and align with the company's risk appetite. You'll prioritise customer protection, ensuring new offerings provide fair value and deliver positive outcomes.</li> <li>Support the Director of Legal and Regulatory Affairs in building a high-performing, collaborative, and engaged team by contributing to talent acquisition, development, and retention strategies. </li> <li>Help foster a culture of excellence, trust, and accountability, ensuring the team is equipped with the skills, structure, and mindset to consistently deliver exceptional results aligned with the Zego's goals</li> </ul>HOW WE WORK We believe that teams work better when they have time to collaborate and space to get things done. We call it Zego Hybrid. Our hybrid way of working is unique. We don't mandate fixed office days. Instead, we foster a flexible approach that empowers every Zegon to perform at their best. We ask you to spend at least one day a week in our central London office. You have the flexibility to choose the day that works best for you and your team. We cover the costs for all company-wide events (3 per year), and also provide a separate hybrid contribution to help pay towards other travel costs. We think it's a good mix of collaborative face time and flexible home-working, setting us up to achieve the right balance between work and life. BENEFITS We reward our people well. Join us and you'll get a market-competitive salary, private medical insurance, company share options, generous holiday allowance, and a whole lot of wellbeing benefits. And that's just for starters. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, national origin, gender, sexual orientation, age, marital status, or disability status. #LI-Hybrid #LI-IL1

Head of Risk and Compliance

As a Credit Risk Manager, you will develop data-driven strategies, analyse trends, and optimize credit policies for credit cards. Collaborating with teams across Europe, you'll provide insights to drive business growth and foster innovation in credit risk management. Key responsibilities: <ul> <li>Be a hands-on expert in credit risk area.</li> <li>Collect and analyze data from various sources, including internal systems, Credit Bureaus, to identify trends, patterns, and opportunities.</li> <li>Analyse and make recommendations that help the development of credit policy, scorecards, and limit management strategies for credit cards.</li> <li>Provide actionable insights and recommendations to stakeholders based on data analysis, helping them make informed decisions and drive business growth.</li> <li>Foster a culture of data-driven decision making within the organization, promoting the use of analytics to drive continuous improvement and innovation.</li> <li>Collaborate with other analytical teams across the European organization.</li> </ul>Qualifications and previous experience: <ul> <li>Master degree in a relevant field such as Mathematics, Statistics, Economics, Quantitative Methods, Computer Science or Engineering.</li> <li>Minimum of 5 years of experience in analytics or a data science field.</li> <li>Practical knowledge of the British credit card market and Credit Bureaus.</li> <li>Experience in consumer finance credit risk area in banks or fintechs.</li> <li>Deep understanding of credit card products, including risk and profitability drivers.</li> <li>Excellent analytical and problem-solving skills, with a strong attention to detail. Algorithmic and creative approach to solving problems.</li> <li>Proven track record of delivering impactful insights and recommendations based on data analysis.</li> </ul>Skills: <ul> <li>Proficiency in data modelling methodologies and statistical analysis techniques.</li> <li>Excellent knowledge of SQL for data extraction and manipulation.</li> <li>Experience in predictive modelling using logistic regression is required.</li> <li>Knowledge of programming languages such as Python or R will be a plus.</li> <li>Fluent English to be able to collaborate with colleagues from other countries.</li> <li>Good communication and presentation skills, with the ability to translate complex data into clear and actionable insights.</li> <li>Ability to work effectively in a fast-paced, dynamic environment, managing multiple priorities and meeting deadlines.</li> </ul>Location: London Department Risk &amp; Decision Analytics Locations London Remote status Hybrid

Credit Risk Manager

Company Description Benefits of working at Together <ul><li>26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays</li><li>Free access to company holiday homes</li><li>Buy &amp; sell holidays</li><li>Discretionary annual bonus plus an additional Shared Reward Bonus</li><li>Matched pension contribution</li><li>Health cash plan plus Private medical insurance</li><li>Life assurance and Critical illness cover</li><li>Travel season ticket loans and Ride to work scheme</li><li>Free local gym access</li><li>Local bar / restaurant discounts</li></ul>Company Description We're Together. For over 50 years, we've helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans. We take the time to understand our customers and our door is always open, so we can often help when other lenders can't or won't. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book. Job Description As a Senior Credit Risk Manager you will be responsible for the second line management of credit risk for the business. You will develop credit risk policies and related standards. You will provide oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite. Working with the Head of Credit Risk, you will develop credit strategies based on credit scores and cost of risk, integrating new data sources as they are developed. As a Senior Credit Risk Manager we are looking for someone to: <ul><li>Work closely with the Credit Risk Manager and the first line team to compare Together's lending approach to our peers to identify areas where pockets of credit risk could be developing, highlighting these through governance and recommending appropriate controls. </li><li>Produce Credit Risk profiles along with in depth analysis on the credit performance of the loan book for the Exec and Board Risk committees</li><li>Work with the first line to ensure all material credit risks have been identified and mitigating actions have been defined and progressed. </li><li>Set, via the board, credit risk appetites; identifying and managing portfolio level credit risks, key exposures and concentration risks. </li><li>Horizon scan for emerging credit risks and develop forecasting models</li><li>Work closely with the Manager of Credit Risk (ECL and Scorecard Modelling) to align ECL provisions and credit risk management and develop the use of cost of risk across the business. </li></ul>Qualifications Essential: <ul><li>Senior Credit Risk Management experience within a secured lender</li><li>Experience with analytical software, e.g. SQL, Python</li><li>A solid grounding in data analysis using quantitative analytic tools and good research skills</li><li>Excellent communication skills to articulate complex issues/analysis to Senior Management and interact with other teams across the business. </li></ul>Additional Information If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you in regards to your suitability for the role. Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference - we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills. If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don't hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process. Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.

Senior Credit Risk Manager

About the job Our client is a diversified global financial services platform, providing essential liquidity, market access and infrastructure services to clients in the energy, commodities and financial markets. Risk management, on an intraday and overnight basis, of the firms 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. 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.

Commodities Market Risk Manager - AVP - VP

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.

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

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

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

This role that you are applying for, will be working for KINTO-UK Ltd which is a Mobility Brand owned by the Toyota Group, offices located in Portsmouth. KINTO-UK share their HR function with Toyota Financial Services (TFS) in the UK, however the job being advertised will not be working directly for Toyota Financial Services The role in a nutshell: The Credit Risk Manager will lead efforts to reduce delinquency rates, strengthen credit risk management, and build sustainable systems and processes. This role requires building a function for the future, managing key credit control actions, and ensuring proper reporting systems are in place. The Role: <ul> <li>Delinquency Management: Recommend actions to reduce delinquency ratios in line with company/group targets</li> <li>Underwriting &amp; Score Management: Collaborate with internal and external stakeholders to review and refine underwriting processes, scorecard validation, and portfolio risk assessments.</li> <li>Portfolio Monitoring &amp; Reporting: Improve monitoring systems to track key credit risk KPIs, delinquency rates, and customer segmentation, ensuring regular reporting.</li> <li>ECL Model Adjustments: Oversee ECL model development and ensure proper recalibration of EAD and LGD parameters based on delinquency and write-off data.</li> <li>Governance &amp; Policy Development: Drive the establishment of credit risk policies, including the risk appetite strategy, write-off policy, and delinquency process guidelines.</li> <li>Collection strategies: Provide input and advise on collection strategies to improve the team's performance.</li> </ul>How you could stretch the role: <ul> <li>Take ownership of long-term improvements in the credit risk framework by building more sophisticated tools and systems for monitoring, reporting, and forecasting credit risk.</li> <li>Lead the development of innovative strategies to manage the delinquency position and implement new technologies such as advanced data analytics for credit control.</li> <li>Influence strategic decisions around the underwriting and credit risk policies, making a significant impact on the financial health of the business.</li> </ul>Experience: <ul> <li>Experience: At least 5-8 years experience in credit risk management in a leasing or financial services company, regulated background preferred.</li> <li>Recruitment Leadership: Experience in recruiting and leading high-performance teams in a credit risk environment.</li> <li>Model Management: Proficiency in managing and adjusting models such as ECL based on credit data.</li> <li>Underwriting &amp; Score Management: Strong knowledge of underwriting criteria and scorecard management.</li> </ul>Attributes &amp; Behaviours: <ul> <li>Leadership: Demonstrates strong leadership in managing cross-functional teams and implementing strategic initiatives.</li> <li>Analytical Thinking: Able to analyse credit data and develop models and processes that drive business results.</li> <li>Problem-Solving: Approaches challenges with creativity and implements solutions that improve credit risk management.</li> <li>Communication: Communicates complex concepts clearly and builds consensus among stakeholders</li> </ul>Benefits: <ul> <li>Competitive starting salary</li> <li>Bonus earning potential</li> <li>25 days holiday + 8 days bank holiday</li> <li>Great pension scheme starting at employee (EE) contribution of 4% with an employer (ER) contribution of 11%. This can flex up to 6% EE contribution and 15% ER contribution</li> <li>Company Car Scheme following passing of probation</li> <li>Private Medical Cover</li> <li>Life assurance scheme</li> <li>Discounts on different retailers</li> <li>Wellbeing hour each month</li> <li>Discounts on Toyota &amp; Lexus cars</li> <li>Volunteer Days</li> <li>Wellbeing events</li> <li>Employee assistance programmes</li> <li>Free fruit in the office</li> <li>Free onsite car parking</li> <li>Working Hours 37.5 per week Monday - Friday</li> <li>Hybrid working policy 2 days from home each week should you want to</li> </ul>KINTO UK is an equal opportunities employer. We welcome applications from anyone who is excited by the opportunity of joining us and will thoroughly consider all applications without attention to ethnicity, religion, sexual orientation, gender, identity, family or parental status, national origin, veteran, neurodiversity status or disability status Our Recruitment Process: At KINTO we value everyone and are pleased to be recognised as a Disability Confident Employer, which is a national standard that ensures our processes are accessible to all. For this role we follow a 1st and 2nd round interview process with a member of HR and the hiring Manager/s. The interview will be via Teams and/or Face to Face, so that we ensure you have the best experience. Everyone is unique, and that means what works for some may not work for everyone. When it comes to recruitment, please do let us know if we can adjust our process to be meet your accessibility needs. Some examples of how we might be able to help are listed below: <ul> <li>Providing a copy of interview questions before the interview</li> <li>Organising a time and location that best suits you</li> <li>Allowing additional time for the assessment and interview</li> </ul>We are happy to review any adjustment on a case-by-case basis, so please let us know how we can support you to be your best self. On the job training will be provided, we recognise we all learn differently, and we want to ensure that our training will suit your learning style. We are open to talking to you about how we can make learning your new role in the most positive way. Requirements

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>

Credit Risk Modelling Manager

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

The vacancy We're the Pension Protection Fund (PPF). We protect millions of people in the UK who belong to defined benefit pension schemes. When these schemes fail, we're ready to help. We do this by paying our members, by charging a levy and by investing sustainably. Our work has a real impact on people's lives, so we strive to do it well, with integrity and their future in mind. We're equivalent in size to a top 5 UK pension scheme and have developed a highly sophisticated, best-in-class investment strategy. Our culture combines private sector standards with a public service ethos. We're looking for a Credit Risk Manager to join our 2nd Line of Defence function that is responsible for the design, development and implementation of an independent credit risk framework. The Credit Risk Manager's role is to support the underwriting process and day-to-day counterparty credit risk management of a portfolio of vanilla and complex lending transaction, providing independent credit risk opinions and rating recommendations to rating/investment committees, senior risk officers, and front office management. Our ideal applicant will have extensive experience in Credit Risk Management, with a focus on Corporate Credit risk and/or Structured Finance, they will be able to demonstrate experienced in drafting Credit Risk reports for presentation at Rating Committees. Interpersonal skills are essential for this role, including effective relationship management, delivering a successful business partnering approach, and strong communication skills, with the ability to interpret complex information to a varied audience. The PPF is a diverse and inclusive place to work, we are open to applicants from all backgrounds, including returners to the workplace. We would encourage applicants to apply for the role if they are looking for a supportive workplace where we will support you to be the best version of yourself. Sound like you? Apply now. In return for your skills, experience and commitment we'll give you a challenging role within a business where you'll get the support you need to develop your career. We'll also give you lots of opportunities for personal development and skills training. Our Croydon office is just across the road from East Croydon station, which is around 15 minutes from Victoria or London Bridge, 10 minutes from Clapham Junction or half an hour from St Pancras. We're proud to be a Disability Confident Leader, the highest accreditation under the Disability Confident Scheme. If you have a disability and meet the essential criteria for this role you will be guaranteed an interview. We embrace diverse talent welcoming people with different beliefs, backgrounds and ways of working. Whatever your background, and however you identify, you'll be welcome here. We're happy to talk about flexible working No agencies please Who we are We're a statutory public corporation led by our board and accountable to Parliament through the Secretary of State for the Department for Work and Pensions. It's our duty to protect people with an eligible defined benefit pension when an employer becomes insolvent. We're proud of the work we do. Without us, many people would face significant financial hardship. We're also proud of our people, all of whom are committed to our mission and to serving over 230,000 members. Life at the PPF Careers (General) Click here for video Careers in Investment Department Click here for video Some of our Benefits Defined benefit or defined contribution pension Private medical insurance Health cash plan Corporate discretionary bonus scheme Cycle to work scheme EASIT rail travel discount Flexible / hybrid working Volunteer days Gallery Previous Next

Job description Assistant Manager - Credit Risk Modellinh Base Location: London Credit Risk Assurance team are a specialist function within KPMG's Audit Practice whose purpose it is to review and challenge complex statistical models used within audited entities as part of the overall financial audit process. Our team is made up of credit risk analysts from a broad and diverse range of quantitative backgrounds, including mathematics, engineering, physics, econometrics, and statistics. Why Join KPMG KPMG is one of the world's largest and most respected consultancy businesses, we've supported the UK through times of war and peace, prosperity and recession, political and regulatory upheaval. We've proudly stood beside the institutions and businesses which make the UK what it is. In your role, you'll work flexibly across your location region - at engagement sites, our offices and home. Our people have always worked flexibly - so this way of working isn't new for us. We're creating a tech-driven business to empower and equip our people to be outstanding in delivery, no matter where they work - through inspiring collaboration spaces and new technologies. What will you be doing?<ul><li>Responsible for conducting assessments of client model documentation (e.g. model development, validation, monitoring documentation) against the requirements of the accounting standard as well as industry practice</li><li>Annotating code produced by an audited entity and reconciling code functionality/ variables back to documentation.</li><li>Reperform the output of an audited entity's code by rerunning it in the appropriate software package.</li><li>Being able to determine independent estimates of a model's output using independent assumptions.</li><li>Organising and executing workstreams for the delivery of (1-6)</li><li>Managing and training junior resources on an engagement</li></ul>What will you need to do it?<ul><li>Understands relevant technical accounting and financial reporting standards (IFRS9, CECL, etc)</li><li>Well versed in contemporary statistical techniques and practices in credit risk modelling (i.e., LGD, PD &amp; EAD)</li><li>Able to read, interpret and create software code, and is well versed in modern computing languages related to credit risk modelling (e.g., SAS, Python, or R)</li><li>Experience of managing small teams, coaching, and mentoring junior staff</li><li> Highly effective stakeholder management and relationship building skills; credible and confident with stakeholders at all levels</li></ul>Skills we'd love to see/amazing extras:<ul><li>Experience of working within financial services</li><li>Professional scepticism, objectivity, and independence to identify and support resolution of potential audit issues</li></ul>To discuss this or wider Audit roles with our recruitment team, all you need to do is apply, create a profile, upload your CV and begin to make your mark with KPMG. Find out more: Within Audit we have a range of divisions and specialisms. Click the links to find out more below: <ul><li>Audit at KPMG : <a href="http://www.kpmgcareers.co.uk/experienced-professional/audit/" target="_blank">www.kpmgcareers.co.uk/experienced-professional/audit/</a> </li><li>About our firm: <a href="http://www.kpmgcareers.co.uk/people-culture/about-our-firm/" target="_blank">www.kpmgcareers.co.uk/people-culture/about-our-firm/</a> </li><li>KPMG Culture. Being Inclusive: <a href="http://www.kpmgcareers.co.uk/people-culture/being-inclusive/" target="_blank">www.kpmgcareers.co.uk/people-culture/being-inclusive/</a> </li><li>KPMG Workability and Disability confidence: <a href="http://www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/need-support-let-us-know/" target="_blank">www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/need-su…</a> </li></ul> For any additional support in applying, please click the links to find out more:<ul><li>Applying to KPMG: <a href="http://www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/" target="_blank">www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/</a> </li><li>Tips for interview: <a href="http://www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/application-advice/" target="_blank">www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/applica…</a> </li><li>KPMG values: <a href="http://www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/our-values/" target="_blank">www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/our-val…</a> </li><li>KPMG Competencies: <a href="http://www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/kpmg-competencies/" target="_blank">www.kpmgcareers.co.uk/experienced-professional/applying-to-kpmg/kpmg-co…</a> </li><li>KPMG Locations and FAQ: <a href="http://www.kpmgcareers.co.uk/faq/?category=Experienced+professionals" target="_blank">www.kpmgcareers.co.uk/faq/?category=Experienced+professionals</a> </li></ul> KPMG are proud to be an inclusive, equal opportunity employer and we seek to attract and retain the best people from the widest possible talent pool. As a member of the Business Disability Forum we're committed to ensuring that all candidates are treated fairly throughout the Recruitment Process. We pride ourselves on being a place where your individuality is valued; you can be yourself and still achieve your potential. We believe that your individuality helps us to deliver the best results to our clients. Diversity of background, diversity of experience, diversity of perspective - that's the KPMG difference.

Assistant Manager - Credit Risk Modelling

Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your experience in FX and/or Rates with good knowledge of the markets, products and risk to Citi's Global FX Market Risk team. By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Team/Role Overview The Global FX business is a significant business covering all standard FX products including options &amp; exotic derivatives, model based trading as well as standard vanilla products within the Global Rates and Currencies franchise. Citi's FX Prime Brokerage business is a leading FXPB business across the industry. The FXPB business provides clients access to a breadth of spot, forward, swap and options instruments and exotic derivatives. The role will be part of the Global FX Market Risk team within the Market Risk Management group which is responsible for oversight of these businesses and of FX Prime Brokerage. This role is for a Risk Manager, located in London to join the team focused on the market risks associated with the FX businesses including FX Trading and FX Prime Brokerage. The successful candidate must be able to build effective relationships with front office and other groups as well as risk colleagues, challenge assumptions, be comfortable with quantitatively complex issues, willing to work at the detailed level and be a producer of high quality and insightful output. It is vital that the candidate has good technical knowledge of derivates. The candidate should be willing to further develop their knowledge of the business and of market risk approaches. What you'll do <ul><li>Work with existing team members to be accountable for the identification and evaluation of market risks generated by the Global FX business (with a focus on the Options business) and FX Prime Brokerage. Identification of 'top risks' and outlier stress events. Working on and performing ad-hoc scenarios.</li><li>Communication with trading desks.</li><li>Candidate must be very comfortable discussing products and their risks and building spreadsheets / other analysis tools to analyse risk and market data, portfolio risks and individual trades.</li><li>Working with others to ensure that the reported exposures are correct and cover the main drivers of risk and potential p/l; identification and resolution of any data issues.</li><li>Ensuring limits are properly set and monitored accurately. Contribute to the development or production of metrics used to satisfy regulatory requirements and stress testing processes.</li><li>Periodic preparation of presentation materials for senior management or for internal discussions. Ability to speak as needed on market events.</li><li>Review and validate assumptions in risk models used by underlying business unit(s) and analyse the impact of model changes.</li><li>Work closely with Financial Control, Price Verification and the Model Risk groups within the organization to ensure that the proper controls are in place.</li><li>Help with reviews of new business proposals including risk limits setting and monitoring and ensuring risks can be fully captured within the firm's systems.</li><li>Contribute to the resolution of regulatory tasks and MRAs.</li><li>Help to monitor and establish controls around legal entity level risks.</li></ul>What we'll need from you <ul><li>Relevant experience in the FX and/or Rates markets with good knowledge of the markets, products and risk.</li><li>Good quantitative level of experience with derivative products pricing and risk.</li><li>Experience with portfolio risk measurement techniques including VAR and stress testing.</li><li>Strong relationship management and liaison with business people of all levels while being willing and able to challenge as needed, particularly the front office.</li><li>Dedication to information integrity and to producing high quality and insightful output required.</li><li>Good presentation and communication skills both in writing and verbal.</li><li>Expert experience and facility with Excel including VBA and add-in functions, ideally with experience of using financial pricing functions.</li></ul>What we can offer you We work hard to have a positive financial and social impact on the communities we serve. In turn, we put our employees first and provide the best-in-class benefits they need to be well, live well and save well. By joining Citi London, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed), and enjoy a whole host of additional benefits such as: <ul><li>Generous holiday allowance starting at 27 days plus bank holidays; increasing with tenure</li><li>A discretional annual performance related bonus</li><li>Private medical insurance packages to suit your personal circumstances</li><li>Employee Assistance Programme</li><li>Pension Plan</li><li>Paid Parental Leave</li><li>Special discounts for employees, family, and friends</li><li>Access to an array of learning and development resources</li></ul>Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energised to join us, motivated to stay, and empowered to thrive. Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities. #LI-PM3 Job Family Group: Risk Management Job Family: Market Risk 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

Market Risk Manager, FX Options & FX Prime Brokerage, Senior Vice President

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

25 Risk Modelling Jobs in England