Credit Risk Analyst

ebury; Camden Town; On-site; GBP 40,000 - 60,000; Full time

Job summary

A global fintech firm is looking for a Credit Risk Analyst to support financial analyses and manage client portfolios. The successful candidate will have experience in credit underwriting, a solid grasp of financial concepts, and effective communication skills. This role offers mentorship, competitive salary, and opportunities for career growth in a dynamic environment in central London.

Benefits

Competitive salary and annual bonus

Mentorship from experienced managers

Access to cutting-edge technology

Career progression pathways

Dynamic and supportive culture

Generous benefits package

Central London office location

Qualifications

• Experience with SME credit underwriting and financial analysis.
• Solid understanding of UK accountancy principles.
• Knowledge of FX markets and products.

Responsibilities

• Support the Regional Head of Credit Risk.
• Perform detailed credit analysis for trade finance products.
• Manage an existing portfolio of clients.

Skills

Credit analysis

Financial analysis

Understanding of balance sheets

Communication skills

Excel

Tools

Excel

VBA/Macros

Job description

Overview

Ebury is a Global FinTech: we apply new technologies to enhance and automate financial services and processes. This allows small and medium-sized businesses to trade and transact internationally by eliminating boundaries related to more traditional approaches. The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services, including an assessment of their markets, financials, products, activities and cash headroom modelling. You will prepare submissions and present to our Credit Committee making recommendations, and contribute to the development of automated risk modelling and to adapt our processes to local markets.

What you’ll do

• Support, and report to, the Regional Head of Credit Risk.
• Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk.
• Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles.
• Present and defend your analysis personally at credit committee meetings to senior management.
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly.
• Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury.
• Proactively manage your own pipeline of work.
• Liaising with managers across our other geographies to add insight or assist where necessary.

Qualifications

• Experience in understanding how businesses work and perform. Full understanding of balance sheet, P&L and cash flow.
• A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness.
• A solid understanding of UK accountancy principles.
• An understanding of FX markets and associated vanilla products.
• Clear, concise communication style, with the ability to explain complex concepts coherently.
• Working knowledge of Excel essential; VBA/Macros desirable.

Company & Culture

Ebury is a global fintech firm dedicated to empowering businesses to expand internationally through tailored and forward-thinking financial solutions. Since our founding in 2009, we’ve grown to a diverse team of over 1,700 professionals across 40+ offices and 29+ markets worldwide. Joining Ebury means becoming part of a collaborative and innovative environment where your contributions are valued. You’ll play a key role in shaping the future of cross-border finance, while advancing your own career in a dynamic, high-growth industry. Ebury is a FinTech success story, positioned among the fastest-growing international companies in its sector. We’re headquartered in London with a presence in more than 29 markets worldwide. Cultural diversity is part of what makes Ebury a special place to be, with employee networks and ESG initiatives that reflect our inclusive culture, including Women’s Network, LGBTQIA+ Network, and Veterans Network.

Benefits

• Competitive Starting Salary with an annual discretionary bonus that truly rewards your performance from day one.
• Dedicated Mentorship: Learn directly from experienced managers who are invested in your success.
• Cutting-Edge Technology: Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritized.
• Generous Benefits Package: Access competitive benefits tailored to your location, typically including health care and social benefits.
• Central London Office: A fantastic location with excellent transport links.

Applicants: Please submit your application on the careers website directly, uploading your CV / resume in English.