Corporate Risk Analyst

Stellantis Financial Services; Redhill; On-site; GBP 45,000 - 65,000; Full time

Job summary

Stellantis Financial Services in the United Kingdom (Cardiff or Redhill) is seeking a Corporate Risk Analyst to assess the credit risk of our retailer network and provide independent analysis and recommendations. You will own credit assessments, monitor portfolios, gather financial data, and escalate where needed while collaborating with Risk, Operations, Sales, Marketing, Finance and Compliance.

The role demands strong financial analysis, integrity and clear English communication; prior

Qualifications

• Experience in automotive or wholesale financing environments.
• Ability to gather and interpret information from multiple sources.
• Strong written and verbal English communication.
• Excellent organisation and time management skills.
• Confidentiality, integrity and sound judgement.
• Degree in economics or business studies is advantageous.

Responsibilities

• Take ownership of credit assessments and portfolio monitoring.
• Analyse new and existing credit applications accurately and efficiently.
• Review financial accounts, repayment capacity and collateral.
• Gather information including FCA permissions, KYC records and underwriting docs.
• Monitor the quality and financial position of retailers in your portfolio.
• Escalate concerns when risk signals emerge and prepare recommendations for approval authorities.
• Review credit facilities and act on exceeded limits; assist with new retailer accounts post-approval.
• Maintain complete, accurate retailer records and support new business opportunities.
• Collaborate with Risk, Operations, Sales, Marketing, Finance and Compliance.

Skills

Automotive finance

Wholesale finance

Legal contracts

Excel

Data interpretation

English communication

Time management

Cross-functional collaboration

Discretion and judgement

Risk analysis

Education

Degree in economics or business studies (advantageous)

Tools

Microsoft Word

Microsoft Excel

Job description

Are you commercially minded, confident analysing financial information and able to turn complex data into clear risk recommendations?

We’re looking for a Corporate Risk Analyst to join our Risk team in Cardiff or Redhill. You’ll assess the credit risk of our retailer network, providing independent analysis and informed recommendations that support responsible, commercially sound decisions.

What you’ll be doing

As a Corporate Risk Analyst, you’ll take ownership of credit assessments and portfolio monitoring. Your responsibilities will include:

• Analysing new and existing credit applications accurately and efficiently.
• Reviewing financial accounts, repayment capacity, operating performance, asset bases and collateral.
• Gathering relevant information, including certified accounts, FCA permissions, KYC records and underwriting documentation.
• Monitoring the quality and financial position of retailers within your portfolio.
• Recognising signs of increasing risk, taking ownership and escalating concerns when appropriate.
• Preparing clear recommendations for approval authorities and the Head of Corporate Risk.
• Reviewing the use of credit facilities and recommending appropriate action where approved limits are exceeded.
• Supporting the timely creation of new retailer accounts following credit approval.
• Maintaining complete, accurate and up-to-date retailer records.
• Supporting the assessment of new business opportunities.
• Working with Wholesale Operations, Sales, Marketing, Finance, Compliance and other internal teams.
• Identifying opportunities to improve Corporate Risk processes and team performance.
• Providing support for Corporate Fleet underwriting when required.

Who we’re looking for

This role would suit someone who combines strong financial analysis with commercial judgement, integrity and a methodical approach. You’ll need:

• Commercial experience within automotive finance, wholesale finance or a comparable environment.
• Knowledge of legal contracts and securities.
• Confident Microsoft Word and Excel skills, ideally to intermediate level.
• The ability to gather and interpret information from multiple sources.
• Strong written and verbal communication skills in English.
• Excellent organisation and time-management skills, with the ability to work autonomously and meet tight deadlines.
• A collaborative approach and the confidence to build effective relationships across different organisational levels.
• Resilience, flexibility and the ability to respond positively when priorities change.
• Sound judgement, discretion and a commitment to maintaining confidentiality.
• A degree or equivalent qualification in economics or business studies would be advantageous, although relevant professional experience will also be considered.
• Play an important role in protecting the quality of the corporate portfolio.
• Influence informed credit decisions through independent analysis and recommendations.
• Work closely with colleagues across Risk, Operations, Sales, Marketing, Finance and Compliance.
• Help improve processes and drive positive change within the Corporate Risk team.
• Build experience that could support progression towards positions such as Head of Corporate Risk or Risk Oversight Manager.

People are the driving force of our business; we want to work with the best to continue to be amazing. We have a range of opportunities within this role and the wider business to help you grow. From our Diversity Squad, Women of Stellantis Network and Employee Forum to becoming an Engagement Champion in your department, there is something for everyone to get involved with and help shape our company.