Graduate Credit Risk Analyst

Evolution Money Ltd; Manchester; On-site; GBP 27,000; Full time

Job summary

A financial services provider in Manchester is seeking a Graduate Credit Risk Analyst to join their team. Candidates should possess a degree in a numerate subject and have skills in quantitative and statistical analysis. Key responsibilities include developing risk strategies and managing performance data. The role offers a salary of £27,000 per annum along with a range of benefits, including annual leave and a healthcare plan.

Benefits

25 days annual leave + Bank Holidays

Birthday off

Healthcare cash plan

Contributory pension scheme

Cycle to work scheme

Life Assurance

Qualifications

• Degree in a numerate subject required.
• Good skills in quantitative/statistical analysis.
• Knowledge of programming languages such as SQL, SAS, SPSS.

Responsibilities

• Developing and producing Management Information and reports.
• Assisting Senior Analysts in credit risk strategies.
• Creation and validation of performance data.

Skills

Quantitative analysis

Statistical analysis

Data interpretation

SQL

Excel

Commercial acumen

Communication

Proactive approach

Education

Degree in a numerate subject

Tools

SQL

SAS

SPSS

Power BI

Database packages

Job description

Job Advert

Job Title: Credit Risk Analyst (Graduate)

Company: Evolution Money

Location: Manchester City Centre

Job Type: Full-time

Basic Salary: £27,000 pa




About Us:

Evolution Money is a Certified B Corp with a social purpose. At Evolution Money, our mission is to redefine financial inclusion by
providing bespoke lending solutions to UK homeowners. We are committed to empowering individuals and fostering long-term financial
well-being. Through innovative and purpose-driven approaches, we aim to challenge traditional norms and create a pathway for those
who might be overlooked by conventional financial institutions.




The Role:

We’re seeking a graduate to join our Credit Risk team. You’ll use your skills in quantitative/statistical analysis to help ensure
our lending decisions are the right ones for our business and create good customer outcomes.




Key Responsibilities



* Developing and producing Management Information and reports to monitor the portfolio.
* Assisting Senior Analysts in developing and evolving credit risk strategies to deliver more targeted acquisition and profitable
growth of the business.
* Creation, validation and submission of monthly performance data to Credit Reference Agencies.
* Maintaining and developing new business credit risk strategies in the ADP decision engine.
* Analysing and tracking the effectiveness of KPI’s, ensuring adherence to risk appetite and lending policy, supporting business
profitability growth.
* Working with suppliers and key internal stakeholders to define requirements, procedure, build, test and implement new credit
risk capabilities, ensuring successful delivery.
* To comply with internal policies and procedures, alongside those of our regulator, ensuring good customer outcomes.



Qualifications (minimum):

* A degree in a numerate subject and good skills in quantitative/statistical analysis.
* A good working knowledge of at least one of the following programming languages: SQL, SAS, SPSS
* Skills in Excel, PowerPoint, Power BI & Database packages.
* The ability to interpret data, identifying and prioritising evidence based actions; evaluating the potential impact and risk
associated with proposed actions.
* Commercial acumen – able to understand how analysis and insight translates into business performance/profitably.
* The ability to communicate concepts at a variety of levels.
* The ability to constructively challenge preconceptions, influencing decision making.
* A proactive approach.



Here’s what you’ll get back:

* Up to 25 days’ annual leave + Bank Holidays
* Your birthday off, every year!
* A healthcare cash plan
* A contributory pensions scheme, matched up to 5%
* Long Service Awards
* Cycle to work scheme
* Life Assurance




Company Culture:




Join us on our journey to redefine financial inclusivity. As we continue to evolve, so do the possibilities for those we serve.
Our goal is not just to provide loans but to architect a future where financial empowerment is a reality for everyone. At
Evolution Money, we value creativity, innovation, and a collaborative spirit. Our team is dedicated to delivering exceptional
results and creating a positive impact in the financial services industry. We believe in fostering a work environment that
encourages growth, learning, and teamwork.




We are committed to encouraging equality, diversity and inclusion and aim to create a working environment where every employee is
respected.




We will provide fairness, and respect to all our prospective employees, and all hiring decisions are based on merit.




We aim to ensure that no job applicant is placed at a disadvantage by practices or requirements which disproportionately
disadvantage protected groups, and which are not justified by the demands of the role.




Everyone is welcome at Evolution Money! We are proud in creating an inclusive and diverse culture in our Evo Team community. We
want to ensure that you feel comfortable and can give your best throughout the recruitment process. We encourage applications
from all backgrounds and communities, and we are more than happy to discuss any reasonable adjustments that you may require.
Please get in touch with us at any stage of recruitment to discuss it: [e-mail] [[e-mail]]




If you need any support with completing this application, please contact [e-mail] [[e-mail]]
and we will be happy to assist.




Evolution Money is a Disability Confident Committed employer. We offer interview to anyone with disability who meets the minimum
criteria for the role.