Economics à Émirats arabes unis

Chubb is the world’s largest P&C company by market capitalisation, underpinned by a commitment to underwriting profitability and price adequacy through the cycle and supported by a very robust Enterprise Risk Management function. The culture is one of initiative, leadership and of providing client centric risk solutions.

The Group has a truly global foot‑print with a strong and ever expanding presence in Emerging Markets and is a top 3 insurer in each of its chosen market segments in each geographical market.

The Country & Credit Risk Management team (“CCRM”) are not just unique within our industry but we are at the very heart of the business model and in helping to develop business objectives and strategies.

Our Political Risk & Credit team currently operates with around 56 staff located in offices in London, Hamburg, New York, Chicago, Washington, Los Angeles, Sao Paulo, Buenos Aires, Singapore and Japan. The group underwrite risks in approximately 170 countries. The emphasis is on Underwriting Profit not Gross Premium and on maintaining a sustainable business model, not on quick wins. The business has a wide range of blue‑chip clients across a broad variety of industries and we are recognised globally as a market leader in this space.

You will be part of a dedicated team of highly skilled and experienced risk analysts working very closely with all of the business unit leadership which includes the Chief Underwriting Officer, Head of Trade Credit as well as the regional leadership in Brazil, Singapore and the USA. Your opinions and views will be expected and respected.

You will be responsible for reviewing the credit worthiness of companies globally but with a primary focus on the EMEA region. As part of the CCRM you will work in partnership with our underwriters to recommend and approve credit limits for our clients. The role encompasses financial, sector and country risk analysis all in relation to short‑term trade exposures.

Core Product applications include but are not limited to:

• Open Account Credit, Trade Finance, Supply Chain and Receivables financing
• Working capital term loans and revolving credit lines
• Asset backed and Project Finance
• Balance Sheet and cash flow protection from credit losses

The core perils for which protection is provided are:

• Payment default, insolvency and bankruptcy

• Recommendation of credit limits for large and medium‑size corporates incorporating financial statement analysis and a discussion of other relevant factors in support of each recommendation.

• Keen interest and ability to follow relevant news flow which may impact the credit risk portfolio. Experience with automating news alerts and/or handling large datasets on behalf of a team would be a plus.

• A thorough and diligent approach to recording and maintaining accurate information in Chubb’s systems, including keeping records of all credit decisions and correspondence.

• Presenting risks internally to Chubb’s underwriters and/or credit committee as appropriate, either in written or oral form.
• Delivering credit training presentations to more junior analysts within the team, if applicable.

Skills & Experience required:

• At least 3 years’ experience in credit analysis
• Financial analytical skills with the ability to identify and focus on the critical risks over differing time frames, at business and transactional levels.
• Knowledge of a wide range of industry sectors and the characteristics of companies in these sectors
• Able to present complex risks confidently and succinctly
• Initiative and adaptability with a positive attitude and proactive approach
• Assimilate information and process workflow quickly and arrive at decisions promptly without detriment to quality.
• Ability to work efficiently under pressure and to deadlines
• Ability to work independently as well as part of a team

• Experience of analysing corporates from developed and emerging markets within EMEA.
• Active interest in global current affairs, economics and politics
• Degree educated or equivalent professional certifications
• Working towards or considering CFA
• French language skills, would be a benefit but not required

Pension and annual bonus scheme, 25 days annual leave plus ability to purchase 5 additional days, Private Medical cover, Employee Share Purchase Plan, Life Assurance, Subsidised gym membership, Comprehensive Learning & development offerings, Employee Assistance program.

Integrity. Client focus. Respect. Excellence. Teamwork

Our core values dictate how we live and work. We’re an ethical and honest company that’s wholly committed to its clients. A business that’s engaged in mutual trust and respect for its employees and partners. A place where colleagues perform at the highest levels. And a working environment that’s collaborative and supportive.

Diversity & Inclusion. At Chubb we consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstances.

We are committed to ensuring our recruitment process is inclusive and accessible to all. If you have a disability or long-term condition (for example dyslexia, anxiety, autism, a mobility condition or hearing loss) and need us to make any reasonable adjustments, changes or do anything differently during the recruitment process, please let us know in your application or in any future discussions with our recruiters.