Credit Risk Analyst
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Job Location:
Monthly Salary:
Posted on:
2 days ago
Vacancies:
1 Vacancy
Job Summary
At Ayvens progress starts with you.
Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us and get better with every move.
The main responsibility of the Credit Analyst is the execution of the necessary risk assessment appropriate to each customer and credit application type.
This includes evaluation of financial data such as balance sheets and income statements to determine the level of default risk including the calculation of financial ratios interpreting results from automated decision-making and the preparation of a report to register the required audit trail.
For credit origination the Credit Risk Analyst will perform the credit analysis which may include KYC (Know Your Customer) elements and the update of rating or scoring and issue a credit opinion. They are also responsible for registering new customers in risk system following the registration done by sales if needed.
For automatic or semi-automatic decisions the Credit Risk analyst is responsible for validating the information used for this matter.
If the credit application is within their derogation rights as defined in the delegation letter the Credit Risk Analyst will make the credit decision and proceed to credit authorization. If not they will be responsible for preparing the credit file to be shared with the second line of defence for validation.
For credit review the Credit Risk Analyst is responsible for regular rating / scoring update.
- Required expertise:
- Relevant University degree (Bachelor/Masters level) e.g. in Finance Accounting Business Administration. Candidates with higher education on Credit risks topics combined with adequate knowledge of the financial sector will also be considered.
- Knowledge about Credit risks including a very good understanding of current requirements in Credit origination.
- Strong financial analysis and accounting capabilities.
- Soft skills:
- Regularly communicate information that is timely relevant and tailored to each audience. This includes being transparent about both positive and negative developments.
- Ability to manage diverse work and overlapping priorities.
- An open mind-set and willingness to learn.
- Excellent analytical skills critical thinking and the ability to identify problems and propose solutions.
- Process and detail orientation.
- Team player.
- Delivering results.
Why Ayvens
With over 3.4 million vehicles managed across more than 42 countries we provide full-service leasing flexible subscription services fleet management services and multi-mobility solutions to customers of all sizes including large corporates SMEs professionals and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.
At Ayvens we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. Were committed to sustainable mobility and have made it a core part of our everything we do were guided by the principles of authenticity curiosity commitment and collaboration. We aim to foster an organisation thats diverse in people and ideas where everyone can thrive and be themselves no matter who they are.
Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed. Follow our page for the latest updates news and insights.
*ALD Automotive LeasePlan are rebranding to Ayvens across all 42 countries by 2025.
Required Experience:
IC
Key Skills
- ISO 27001
- Microsoft Access
- Risk Management
- Financial Services
- PCI
- Risk Analysis
- Analysis Skills
- COBIT
- NIST Standards
- SOX
- Information Security
- Data Analysis Skills
About Company
Somos a Ayvens (antiga LeasePlan), líder global em mobilidade sustentável. E num mundo que precisa de formas mais intuitivas e sustentáveis de mobilidade, estamos empenhados em fazer a vida de todos os nossos clientes fluir melhor, desde grandes empresas a particulares.
