Credit Risk Analyst

Apply now ALD Automotive


ALD Automotive is the leading vehicle leasing operation in Europe, managing over 1.6 million vehicles across 43 countries. Within the UK, ALD has a portfolio of over 150,000 leased and fleet managed vehicles, and is a market leader in innovation and service quality. A fully owned subsidiary of Société Générale we are global leaders in mobility solutions providing full service leasing and fleet management services, Ranked #3 Worldwide and #1 in Europe by number of contracts under management.

A rare opportunity has arisen to join our Credit Risk & Analytics Team, an exciting opportunity for an aspiring Analyst to join the team. Credit Risk is responsible for ensuring the business lends responsibly and within appetite across both FCA regulated and corporate channels. The department is accountable for recommending, implementing and monitoring credit risk strategies to ensure they remain fair, robust and fit for purpose

Key Purpose

* Ensure the business continues to lend responsibly and within agreed risk appetite.
* Be active in the ongoing optimisation of credit risk policies and be accountable in the detection and recommendation of any improvements to both policy and process.
* Contribute to a data-led ethos in decision making within the business.

Summary of Responsibilities

* Perform detailed analysis of various internal and external data sources.
* Highlight key trends and areas of concern to the relevant parties/committees to aid decision making.
* Be responsible for the generation of committee reporting and accompanying commentary.
* Support the evolution of the department through the proposition of new ideas and processes.
* Ensure data remains consistent and accurate throughout a variety of systems.
* Ad-hoc Projects as required.

Essential Criteria

* A strong analytical and inquisitive mind-set.
* Relevant work experience within this field
* Driven to learn new and complex techniques.
* Highly numerical background in relevant areas such as statistics or business.
* Strong communicator across all mediums.
* Thrive in a dynamic and ever-changing business environment.
* Confident to work autonomously whilst managing competing priorities.
* High standard in IT literacy including office applications.

What we can offer …

* Generous contributory pension scheme inc. Critical Illness
* 25* days holiday, in addition to Bank Holidays
* Volunteering Days in assist in charity work/ CSR Initiatives
* Flexible working options available
* Study Leave were applicable
* Occupational Health Programme
* Introduction Bonuses for referring an Employee or Customer
* Access to LinkedIn Learning / Time towards to your CPD
* Cycle2work Scheme
* Bike storage and shower facilities
* Progressive/ Collaborative culture

If you’re excited about the prospective of working with us, and have most of the skills or experience we’re looking for, please go ahead and apply. You could be just what we need!

Apply now ALD Automotive

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