Senior Credit Risk Analyst

At ALD Automotive | LeasePlan, we are always asking What's next in mobility?

As the global leader within our industry, our combined size means we can lead the switch to electric and supercharge our ability to offer many more customers wider choice and better prices for their mobility needs.

For us to continue to be successful, we’ll need to continue investing in innovation and technology, sustainable solutions, state of the art digital capability and, of course, our people! With exciting times ahead, we are delighted you are showing an interest in pursuing your career with us.

An exciting permanent opportunity for a Senior Credit Risk Analyst has arisen within the team. Our Credit Risk team are 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, and suitably manage the Credit Risk of the business.

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 throughout the organisation

Summary of Responsibilities

• Act as a Subject Matter Expert within the Credit Risk department as well as coaching colleagues and driving change.
• Perform detailed analysis of various internal and external data sources.
• Highlight and autonomously investigate key trends and areas of concern for relevant parties/committees, to aid in 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.

Skills, Experience & Background

• A strong analytical and inquisitive mind-set, ideally refined in a numerical or STEM degree.
• Demonstrable Credit Risk experience in a modelling or portfolio management centred role.
• An interest or experience in wider economic trends.
• Evidence of strong communication skills refined through either a degree or previous experience
• Confident to work autonomously whilst managing competing priorities.
• High standard in IT literacy including office applications.
• Demonstrable coding experience in SAS/SQL/VBA/Python

Don’t meet every single requirement? However excited by the prospect of working with us, as you offer most of the skills and experience, we are looking for. Then please go ahead and apply, you could be just what we need!

What we can offer …
Generous contributory pension scheme
25* days holiday, in addition to bank holidays
Volunteering days to assist in charity work / CSR Initiatives
Excellent CSR agenda - Ecovadis certification
Holiday buy / sell (subject to conditions)
Travel Insurance (cost associated)
Dental Insurance (cost associated)
Flexible working options available
Study support (where applicable)
Access to Re:lease Colleague Car Scheme
Enhanced parental leave
Occupational Health Programme
Introduction bonuses for referring an Employee or Customer
Access to LinkedIn Learning / time towards to your CPD
Cycle2work Scheme
Free breakfast / fruit
EV charging points, bike storage, shower & changing facilities and car parking (limited)
Progressive / collaborative culture

Why ALD Automotive | Leaseplan?
With over 3.3 million vehicles managed across more than 44 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 ALD Automotive | LeasePlan*, 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. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.

Our employees play an important role in achieving this goal so why not 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.

*ALD Automotive | LeasePlan will rebrand to Ayvens across all 44 countries by 2025

Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified. At ALD Automotive | LeasePlan we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited about this, or any role we're advertising but your experience doesn’t exactly align, we would encourage you to apply regardless! What’s the worst that can happen?!