Wholesale Credit Risk Analyst (Fintech)

TL;DR

Wholesale Credit Risk Analyst (Fintech): Performing analysis of wholesale credit risk within the business, focusing on financial institutions and treasury investments such as covered bonds and asset backed securities. Focus on in-depth due diligence, developing stress testing and improving in-house credit rating system.

Location: Must be based in London, Southampton, Cardiff or Manchester

Company

hirify.global Bank is a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company.

What you will do

• Provide risk analysis of the Bank’s wholesale credit risk exposures ahead of new investments.
• Undertake in depth due diligence and analysis of new product proposals.
• Perform annual reviews of existing wholesale credit lines.
• Undertake ongoing monitoring of exposures and undertaking regular reviews of current limits.
• Develop accurate stress testing of the portfolio.
• Develop hirify.global’s wholesale credit risk policy, risk appetite, limits and key risk indicators.

Requirements

• Extensive experience of conducting analyses of wholesale credit exposures, especially RMBS, covered bonds & consumer/auto ABS.
• Experience working in a 2LOD risk function, 1LOD front or middle office Treasury function with expertise in wholesale credit risk.
• Quantitative mindset and education.
• Advanced Excel and Bloomberg skills.
• Experience working with credit stress testing.
• Understanding of regulatory requirements for wholesale credit risk.

Nice to have

• Previous experience at a rating agency analysing RMBS & Consumer ABS.
• Strong experience of model development, ideally working with languages such as Python and SQL.

Culture & Benefits

• 25 days holiday.
• An extra day’s holiday for your birthday.
• Salary sacrifice, company enhanced pension scheme.
• Private Medical Insurance with VitalityHealth including mental health support and cancer care.
• Generous family-friendly policies.