This website uses cookies to ensure you get the best experience. 4most and our selected partners use cookies and similar technologies (together cookies ) that are necessary to present this website, and to ensure you get the best experience of it. If you consent to it, we will also use cookies for analytics purposes. You can withdraw and manage your consent at any time, by clicking Manage cookies at the bottom of each website page. Decline all non-necessary cookies Select which cookies you accept On this site, we always set cookies that are strictly necessary, meaning they are necessary for the site to function properly. If you consent to it, we will also set other types of cookies. You can provide or withdraw your consent to the different types of cookies using the toggles below. You can change or withdraw your consent at any time, by clicking the link Manage Cookies , which is always available at the bottom of the site. These cookies are necessary to make the site work properly, and are always set when you visit the site. These cookies collect information to help us understand how the site is being used. Decline all non-necessary cookies Credit Risk Analyst - Bengaluru Take on challenging roles in credit risk advisory and work with leading financial institutions Working at 4most We are not your typical consultancy firm; our purpose is to redefine consulting by enabling all our people to flourish and excel. We have over 250 consultants working in credit risk, data, market risk, life insurance and general insurance, across multiple sites London, Leeds, Edinburgh, Dublin, Amsterdam, Dubai and Bengaluru. We value every individual s contribution to the success of the company with colleagues owning a significant share of the business, and we have ambitious plans to grow even further. As experts in our field, we are passionate about what we do and embrace diversity; we ve created a fun and innovative environment where technical minds flourish. Individual success is not measured by the size of your team or the hours you work, it s the unique value you bring to the community. We want our people to think differently and challenge the status quo. Our people are our biggest asset, having been voted the Best Company to work for at the 2023 Credit Strategy Awards, Women in Credit Employer of the Year for 2023 and Best Management Consultancy Firm MEA Finance UAE 2022, our awards speak for themselves. We reward teamwork and believe value should be shared with all who contribute. Role summary A Credit Risk Analyst at 4most is expected to function as a full-time consultant, this includes being placed on projects for external clients and supporting the business by organising and delivering internal work. To bridge the gap to consulting life we ensure that we provide additional training and support. An experienced 4most consultant will lead and oversee each project and manage the day-to-day activity and delivery. Projects vary in content, client, location, and size, this provides our graduates with a dynamic learning environment that can give great exposure to different areas of Credit Risk. Our analysts gain experience and knowledge by working as part of a coordinated and resourceful team and taking part in tailored training. This allows all our consultants to drive their own development. Key Responsibilities Work effectively both on your own and as part of a team and complete project work accurately and to a high standard. Take responsibility for your own deliveries within the scope and deadlines set. Work with areas of the business to identify opportunities for increasing value through the application of analysis and modelling techniques. Present and discuss results with stakeholders and peers. Proactively identify areas for improving team capability and new business. Undertake internal initiatives as required and get involved in other areas of internal 4most processes where possible. Engage in activities to encourage personal development and work on skills and abilities. Ensure all data is managed securely, maintained appropriately, and analysed correctly in line with Data Protection legislation and industry regulation. Work within the company Health and Safety policy. Expectations and Requirements: A Credit Risk Analyst should be: Analytical Our roles require a great deal of problem-solving and so we need to be able to think of solutions given the resources and data that we have. Organised Our purpose is to deliver bespoke solutions to our clients so these should be structured in a clear and methodical way. Flexible Client satisfaction is crucial. We should adapt to our clients needs and this may require a change in our method, implementation or even structure. Decisive A consultant gives expert advice within a technical or professional field and so we must be able to make clear and informed choices. Supportive 4most benefits from having a variety of individuals but we must collaborate effectively to reach our goals, therefore, we expect 4mosters to be inclusive, compassionate, and helpful. Honest We do not always know the answer, but we will find it! We expect consultants to be transparent in their approach and demonstrate integrity. Enthusiastic A strong passion for finding smart and valuable solutions whilst working collaboratively with peers ensures that we can deliver high quality products to our clients. Self-motivated We are always striving to improve and so it is important that you are keen to develop both yourself and 4most alike. Willing to travel on an as needed basis The role will require travel to London for initial training and may require some additional overseas trips. Knowledge and Understanding Required (Competencies) Academic As our solutions require a strong base of analysis, we ask for candidates to apply with a discipline grounded with quantitative aspects and strong statistical content. Experience Our analysts are given responsibility to operate as a consultant and so we try to look for candidates with some relevant work experience. The type of experience we seek is for a minimum of 6 months which demonstrates how you have applied your academic knowledge in a practical environment, such as a placement year or experience in Financial Services being the most desired. Coding Experience The solutions we build will mostly require use of analysis packages and so experience and demonstration of a coding ability is crucial. We look for SAS or SQL, but we acknowledge both R and Python as foundation coding experience too. Analysis Demonstration of manipulating and analysing large datasets with customer information. Strong Communication Skills Communication is key! We will need to interact internally and to external stakeholders both verbally and written so to bring results and recommendations to life. We seek prominent influencing and interpersonal skills. Excellent attention to detail. Interest/Knowledge of the regulatory environment that impacts credit risk activities and our clients. Passionate about the business impact of our solutions, driven by continuous improvement. Benefits Salary dependant on experience plus: 33 days holiday (including national and public holidays), Discretionary bonus, 50% sponsorship towards relevant courses, Private health insurance, Life Assurance, Employees provident fund. 4most is a global specialist risk analytics consultancy employing about 300 people spread across the UK, UAE, Ireland, India, and the Netherlands. Already working at 4most Let s recruit together and find your next colleague.
This website uses cookies to ensure you get the best experience. 4most and our selected partners use cookies and similar technologies (together cookies ) that are necessary to present this website, and to ensure you get the best experience of it. If you consent to it, we will also use cookies for analytics purposes. You can withdraw and manage your consent at any time, by clicking Manage cookies at the bottom of each website page. Decline all non-necessary cookies Select which cookies you accept On this site, we always set cookies that are strictly necessary, meaning they are necessary for the site to function properly. If you consent to it, we will also set other types of cookies. You can provide or withdraw your consent to the different types of cookies using the toggles below. You can change or withdraw your consent at any time, by clicking the link Manage Cookies , which is always available at the bottom of the site. These cookies are necessary to make the site work properly, and are always set when you visit the site. These cookies collect information to help us understand how the site is being used. Decline all non-necessary cookies Credit Risk Consultant - Bengaluru Take on challenging roles in credit risk advisory and work with leading financial institutions Working at 4most We are not your typical consultancy firm; our purpose is to redefine consulting by enabling all our people to flourish and excel. We have over 250 consultants working in credit risk, data, market risk, life insurance and general insurance, across multiple sites London, Leeds, Edinburgh, Dublin, Amsterdam, Dubai and Bengaluru. We value every individual s contribution to the success of the company with colleagues owning a significant share of the business, and we have ambitious plans to grow even further. As experts in our field, we are passionate about what we do and embrace diversity; we ve created a fun and innovative environment where technical minds flourish. Individual success is not measured by the size of your team or the hours you work, it s the unique value you bring to the community. We want our people to think differently and challenge the status quo. Our people are our biggest asset, having been voted the Best Company to work for at the 2023 Credit Strategy Awards, Women in Credit Employer of the Year for 2023 and Best Management Consultancy Firm MEA Finance UAE 2022, our awards speak for themselves. We reward teamwork and believe value should be shared with all who contribute. Your future team Credit Risk Consultants at 4most support many clients in the UK, Europe, and the Middle East. We help our clients solve their analytical challenges ranging from portfolio management, decision science and regulatory modelling under IFRS 9 and IRB. We have ambitious growth targets and the team is expanding as demand for our expertise grows. What youll do You will work with other Consultants, project leads and business heads supporting our global clients from Tier 1 banks through to Fintech challenger banks and startups. You will work on tasks with the support from your project or workstream lead and share the results of your work with clients. Developing credit risk models, used for regulatory and business purposes with particular focus on IRB and IFRS9. Validating and challenging these models on areas such as model design, model performance and model implementation. Stress testing exercises, ranging from operational execution to model development and validation. Processing large credit risk datasets and assessing or improving data quality. Integration of ESG across data, models (IRB, IFRS 9, stress testing) and risk processes. Interpretation and implementation of regulatory requirements and supervisory expectations. Remediation of supervisory findings (ECB/DNB). Presenting and discussing results with senior management. Ad-hoc assistance on business development activities, e.g. client events / roundtables, client meetings, workshops, pitching, drafting proposals and creating marketing material. Your background 2-4 years experience in analytics or data science within Financial Services. Experience in Corporate Model Development or Validation. You are experienced with data wrangling and analysing data using Python, SAS, SQL or R. Hands on experience working of Probability of Default (PD) / Loss Given Default (LGD) / Exposure at Default (EAD) / Internal Ratings Based (IRB) / Stress Testing. Knowledge of Credit Risk & Financial Services Regulation such as IFRS 9, IRB, Basel III. You are a strong communicator both verbally and written, with the ability able to break down complex topics into simple solutions and ideas. Knowledge of PRA and EBA regulations advantageous. Experience in Data and Modelling MI / reporting advantageous. Benefits Salary dependant on experience plus: 33 days holiday (including national and public holidays), Discretionary bonus, 50% sponsorship towards relevant courses, Private health insurance, Life Assurance, Employees provident fund. 4most is a global specialist risk analytics consultancy employing about 300 people spread across the UK, UAE, Ireland, India, and the Netherlands. Already working at 4most Let s recruit together and find your next colleague.
This website uses cookies to ensure you get the best experience. 4most and our selected partners use cookies and similar technologies (together cookies ) that are necessary to present this website, and to ensure you get the best experience of it. If you consent to it, we will also use cookies for analytics purposes. You can withdraw and manage your consent at any time, by clicking Manage cookies at the bottom of each website page. Decline all non-necessary cookies Select which cookies you accept On this site, we always set cookies that are strictly necessary, meaning they are necessary for the site to function properly. If you consent to it, we will also set other types of cookies. You can provide or withdraw your consent to the different types of cookies using the toggles below. You can change or withdraw your consent at any time, by clicking the link Manage Cookies , which is always available at the bottom of the site. These cookies are necessary to make the site work properly, and are always set when you visit the site. These cookies collect information to help us understand how the site is being used. Decline all non-necessary cookies Join a forward-thinking consultancy where you can make a real impact Working at 4most We are not your typical consultancy firm; our purpose is to redefine consulting by enabling all our people to flourish and excel. We have over 250 consultants working in credit risk, data, market risk, life insurance and general insurance, across multiple sites London, Leeds, Edinburgh, Dublin, Amsterdam, Dubai and Bengaluru. We value every individual s contribution to the success of the company with colleagues owning a significant share of the business, and we have ambitious plans to grow even further. As experts in our field, we are passionate about what we do and embrace diversity; we ve created a fun and innovative environment where technical minds flourish. Individual success is not measured by the size of your team or the hours you work, it s the unique value you bring to the community. We want our people to think differently and challenge the status quo. Our people are our biggest asset, having been voted the Best Company to work for at the 2023 Credit Strategy Awards, Women in Credit Employer of the Year for 2023 and Best Management Consultancy Firm MEA Finance UAE 2022, our awards speak for themselves. We reward teamwork and believe value should be shared with all who contribute. Your future team The business is an established organisation in the Data, Risk Modelling and Analytical services market. We pride ourselves on our ability to identify and develop innovative solutions for our clients, continually driving performance and service standards thereby cultivating long-term client relationships. The Data Team is integral to the formulation of these solutions across Architecture and Engineering, Data Management and Application Development. With a focus on continuous improvement, the team has wide experience in designing and delivering full end to end solutions for our clients. We work closely with clients and all members of the team interact with our customers directly on a daily basis. This is a fantastic opportunity for a data specialist to work across risk and regulatory projects in Banking and Insurance and broaden out their knowledge. The successful applicant will have the opportunity to gain experience and knowledge by working with an innovative team of like-minded people, not only focusing on toolsets and approaches but also on changes within the industry. What youll do As a Data Consultant you will have responsibility for delivering projects. Leveraging your experience, intellect and curiosity you will provide insight and challenge to make sure that the right decisions are made to have maximum impact for our clients. Requirements Complete projects set by line manager and the business accurately and within the scope and deadlines set. Deliver own analysis and data projects and work with others in the team to deliver larger projects as required. Your responsibilities will include producing in-depth risk reports, distilling complex data into actionable insights, working alongside credit risk and insurance experts. Working in a fast-paced delivery environment essential. Good working knowledge (at least 2+ years hands-on experience) of SQL or Python. Experience of working in Financial Services within Risk and Regulation project deliveries. Communication Skills Good communicator: verbal, written, and bringing results and recommendations to life. You should have hands-on experience working on at least three of the following : - Databricks, Snowflake or Hadoop Distributed File Systems. - Experience using Cloud technologies Azure, AWS or Google Cloud. - Experience working with large data sets and big data tools (i.e. Spark, Scala, Hadoop, etc). - Experience with technical design, problem solving and debugging. - Interest in improving engineering systems & practices and creation of high-quality software. - Experience of ETL tooling, metadata conversion management, Informatica and/or SAS DI Studio. - Understand Data Modelling from 3NF to Star Schema; Knowledge of Data Warehousing techniques. - Release management tools such as GitHub, Kubernetes or Docker. Desirable but non-essential experience: Exposure to Business Analysis capability relating to Operating Model for data lineage and data quality, perhaps using tools such as Collibra, Solidatus and Alation etc. Experience in Data Visualizations Power BI, Tableau, Dash, COGNOS, Spotfire, etc. Django, Java Script, Microsoft Power Apps or any other application development experience is an advantage. Experience in creation of Functional and Non-Functional Technical requirements, including Data Dictionaries, mapping documents etc. Good working knowledge (hands-on experience) of R, SAS and Spark SQL advantage. Agile development practices and tools (Jira/Confluence/GitHub or other DevOps tools). Exposure to AI / ML methodologies and best practices. Industry Knowledge, advantage but not required: Exposure to contributing to Internal Rating Based (IRB) and regulatory change projects (Basel, IFRS 9). Industry knowledge of Data Governance Model Risk Management and BCBS 239 advantageous. Exposure to Insurance industry, including Solvency II and IFRS 17. Working knowledge of Probability of Default, Exposure At Default and Loss Given at Default; Economic Loss Calculation, Recoveries and the data items required to support each calculations and disciplines an advantage. Exposure to a Regulatory reporting environment, such as FinRep, CoRep etc. Exposure to Credit Bureau submissions. Benefits Salary dependant on experience plus: 33 days holiday (including national and public holidays), Discretionary bonus, 50% sponsorship towards relevant courses, Private health insurance, Life Assurance, Employees provident fund. 4most is a global specialist risk analytics consultancy employing about 300 people spread across the UK, UAE, Ireland, India, and the Netherlands. Let s recruit together and find your next colleague.
This website uses cookies to ensure you get the best experience. 4most and our selected partners use cookies and similar technologies (together cookies ) that are necessary to present this website, and to ensure you get the best experience of it. If you consent to it, we will also use cookies for analytics purposes. You can withdraw and manage your consent at any time, by clicking Manage cookies at the bottom of each website page. Decline all non-necessary cookies Select which cookies you accept On this site, we always set cookies that are strictly necessary, meaning they are necessary for the site to function properly. If you consent to it, we will also set other types of cookies. You can provide or withdraw your consent to the different types of cookies using the toggles below. You can change or withdraw your consent at any time, by clicking the link Manage Cookies , which is always available at the bottom of the site. These cookies are necessary to make the site work properly, and are always set when you visit the site. These cookies collect information to help us understand how the site is being used. Decline all non-necessary cookies Credit Risk Consultant - Bengaluru Take on challenging roles in credit risk advisory and work with leading financial institutions Working at 4most We are not your typical consultancy firm; our purpose is to redefine consulting by enabling all our people to flourish and excel. We have over 250 consultants working in credit risk, data, market risk, life insurance and general insurance, across multiple sites London, Leeds, Edinburgh, Dublin, Amsterdam, Dubai and Bengaluru. We value every individual s contribution to the success of the company with colleagues owning a significant share of the business, and we have ambitious plans to grow even further. As experts in our field, we are passionate about what we do and embrace diversity; we ve created a fun and innovative environment where technical minds flourish. Individual success is not measured by the size of your team or the hours you work, it s the unique value you bring to the community. We want our people to think differently and challenge the status quo. Our people are our biggest asset, having been voted the Best Company to work for at the 2023 Credit Strategy Awards, Women in Credit Employer of the Year for 2023 and Best Management Consultancy Firm MEA Finance UAE 2022, our awards speak for themselves. We reward teamwork and believe value should be shared with all who contribute. Your future team Credit Risk Consultants at 4most support many clients in the UK, Europe, and the Middle East. We help our clients solve their analytical challenges ranging from portfolio management, decision science and regulatory modelling under IFRS 9 and IRB. We have ambitious growth targets and the team is expanding as demand for our expertise grows. What youll do You will work with other Consultants, project leads and business heads supporting our global clients from Tier 1 banks through to Fintech challenger banks and startups. You will work on tasks with the support from your project or workstream lead and share the results of your work with clients. Developing credit risk models, used for regulatory and business purposes with particular focus on IRB and IFRS9. Validating and challenging these models on areas such as model design, model performance and model implementation. Stress testing exercises, ranging from operational execution to model development and validation. Processing large credit risk datasets and assessing or improving data quality. Integration of ESG across data, models (IRB, IFRS 9, stress testing) and risk processes. Interpretation and implementation of regulatory requirements and supervisory expectations. Remediation of supervisory findings (ECB/DNB). Presenting and discussing results with senior management. Ad-hoc assistance on business development activities, e.g. client events / roundtables, client meetings, workshops, pitching, drafting proposals and creating marketing material. Your background 2-4 years experience in analytics or data science within Financial Services. Experience in Corporate Model Development or Validation. You are experienced with data wrangling and analysing data using Python, SAS, SQL or R. Hands on experience working of Probability of Default (PD) / Loss Given Default (LGD) / Exposure at Default (EAD) / Internal Ratings Based (IRB) / Stress Testing. Knowledge of Credit Risk & Financial Services Regulation such as IFRS 9, IRB, Basel III. You are a strong communicator both verbally and written, with the ability able to break down complex topics into simple solutions and ideas. Knowledge of PRA and EBA regulations advantageous. Experience in Data and Modelling MI / reporting advantageous. Benefits Salary dependant on experience plus: 33 days holiday (including national and public holidays), Discretionary bonus, 50% sponsorship towards relevant courses, Private health insurance, Life Assurance, Employees provident fund. 4most is a global specialist risk analytics consultancy employing about 300 people spread across the UK, UAE, Ireland, India, and the Netherlands. Already working at 4most Let s recruit together and find your next colleague.
This website uses cookies to ensure you get the best experience. 4most and our selected partners use cookies and similar technologies (together cookies ) that are necessary to present this website, and to ensure you get the best experience of it. If you consent to it, we will also use cookies for analytics purposes. You can withdraw and manage your consent at any time, by clicking Manage cookies at the bottom of each website page. Decline all non-necessary cookies Select which cookies you accept On this site, we always set cookies that are strictly necessary, meaning they are necessary for the site to function properly. If you consent to it, we will also set other types of cookies. You can provide or withdraw your consent to the different types of cookies using the toggles below. You can change or withdraw your consent at any time, by clicking the link Manage Cookies , which is always available at the bottom of the site. These cookies are necessary to make the site work properly, and are always set when you visit the site. These cookies collect information to help us understand how the site is being used. Decline all non-necessary cookies Join a forward-thinking consultancy where you can make a real impact Working at 4most We are not your typical consultancy firm; our purpose is to redefine consulting by enabling all our people to flourish and excel. We have over 250 consultants working in credit risk, data, market risk, life insurance and general insurance, across multiple sites London, Leeds, Edinburgh, Dublin, Amsterdam, Dubai and Bengaluru. We value every individual s contribution to the success of the company with colleagues owning a significant share of the business, and we have ambitious plans to grow even further. As experts in our field, we are passionate about what we do and embrace diversity; we ve created a fun and innovative environment where technical minds flourish. Individual success is not measured by the size of your team or the hours you work, it s the unique value you bring to the community. We want our people to think differently and challenge the status quo. Our people are our biggest asset, having been voted the Best Company to work for at the 2023 Credit Strategy Awards, Women in Credit Employer of the Year for 2023 and Best Management Consultancy Firm MEA Finance UAE 2022, our awards speak for themselves. We reward teamwork and believe value should be shared with all who contribute. Your future team The business is an established organisation in the Data, Risk Modelling and Analytical services market. We pride ourselves on our ability to identify and develop innovative solutions for our clients, continually driving performance and service standards thereby cultivating long-term client relationships. The Data Team is integral to the formulation of these solutions across Architecture and Engineering, Data Management and Application Development. With a focus on continuous improvement, the team has wide experience in designing and delivering full end to end solutions for our clients. We work closely with clients and all members of the team interact with our customers directly on a daily basis. This is a fantastic opportunity for a data specialist to work across risk and regulatory projects in Banking and Insurance and broaden out their knowledge. The successful applicant will have the opportunity to gain experience and knowledge by working with an innovative team of like-minded people, not only focusing on toolsets and approaches but also on changes within the industry. What youll do As a Data Consultant you will have responsibility for delivering projects. Leveraging your experience, intellect and curiosity you will provide insight and challenge to make sure that the right decisions are made to have maximum impact for our clients. Requirements Complete projects set by line manager and the business accurately and within the scope and deadlines set. Deliver own analysis and data projects and work with others in the team to deliver larger projects as required. Your responsibilities will include producing in-depth risk reports, distilling complex data into actionable insights, working alongside credit risk and insurance experts. Working in a fast-paced delivery environment essential. Good working knowledge (at least 2+ years hands-on experience) of SQL or Python. Experience of working in Financial Services within Risk and Regulation project deliveries. Communication Skills Good communicator: verbal, written, and bringing results and recommendations to life. You should have hands-on experience working on at least three of the following : - Databricks, Snowflake or Hadoop Distributed File Systems. - Experience using Cloud technologies Azure, AWS or Google Cloud. - Experience working with large data sets and big data tools (i.e. Spark, Scala, Hadoop, etc). - Experience with technical design, problem solving and debugging. - Interest in improving engineering systems & practices and creation of high-quality software. - Experience of ETL tooling, metadata conversion management, Informatica and/or SAS DI Studio. - Understand Data Modelling from 3NF to Star Schema; Knowledge of Data Warehousing techniques. - Release management tools such as GitHub, Kubernetes or Docker. Desirable but non-essential experience: Exposure to Business Analysis capability relating to Operating Model for data lineage and data quality, perhaps using tools such as Collibra, Solidatus and Alation etc. Experience in Data Visualizations Power BI, Tableau, Dash, COGNOS, Spotfire, etc. Django, Java Script, Microsoft Power Apps or any other application development experience is an advantage. Experience in creation of Functional and Non-Functional Technical requirements, including Data Dictionaries, mapping documents etc. Good working knowledge (hands-on experience) of R, SAS and Spark SQL advantage. Agile development practices and tools (Jira/Confluence/GitHub or other DevOps tools). Exposure to AI / ML methodologies and best practices. Industry Knowledge, advantage but not required: Exposure to contributing to Internal Rating Based (IRB) and regulatory change projects (Basel, IFRS 9). Industry knowledge of Data Governance Model Risk Management and BCBS 239 advantageous. Exposure to Insurance industry, including Solvency II and IFRS 17. Working knowledge of Probability of Default, Exposure At Default and Loss Given at Default; Economic Loss Calculation, Recoveries and the data items required to support each calculations and disciplines an advantage. Exposure to a Regulatory reporting environment, such as FinRep, CoRep etc. Exposure to Credit Bureau submissions. Benefits Salary dependant on experience plus: 33 days holiday (including national and public holidays), Discretionary bonus, 50% sponsorship towards relevant courses, Private health insurance, Life Assurance, Employees provident fund. 4most is a global specialist risk analytics consultancy employing about 300 people spread across the UK, UAE, Ireland, India, and the Netherlands. Let s recruit together and find your next colleague.
This website uses cookies to ensure you get the best experience. 4most and our selected partners use cookies and similar technologies (together cookies ) that are necessary to present this website, and to ensure you get the best experience of it. If you consent to it, we will also use cookies for analytics purposes. You can withdraw and manage your consent at any time, by clicking Manage cookies at the bottom of each website page. Decline all non-necessary cookies Select which cookies you accept On this site, we always set cookies that are strictly necessary, meaning they are necessary for the site to function properly. If you consent to it, we will also set other types of cookies. You can provide or withdraw your consent to the different types of cookies using the toggles below. You can change or withdraw your consent at any time, by clicking the link Manage Cookies , which is always available at the bottom of the site. These cookies are necessary to make the site work properly, and are always set when you visit the site. These cookies collect information to help us understand how the site is being used. Decline all non-necessary cookies Credit Risk Analyst - Bengaluru Take on challenging roles in credit risk advisory and work with leading financial institutions Working at 4most We are not your typical consultancy firm; our purpose is to redefine consulting by enabling all our people to flourish and excel. We have over 250 consultants working in credit risk, data, market risk, life insurance and general insurance, across multiple sites London, Leeds, Edinburgh, Dublin, Amsterdam, Dubai and Bengaluru. We value every individual s contribution to the success of the company with colleagues owning a significant share of the business, and we have ambitious plans to grow even further. As experts in our field, we are passionate about what we do and embrace diversity; we ve created a fun and innovative environment where technical minds flourish. Individual success is not measured by the size of your team or the hours you work, it s the unique value you bring to the community. We want our people to think differently and challenge the status quo. Our people are our biggest asset, having been voted the Best Company to work for at the 2023 Credit Strategy Awards, Women in Credit Employer of the Year for 2023 and Best Management Consultancy Firm MEA Finance UAE 2022, our awards speak for themselves. We reward teamwork and believe value should be shared with all who contribute. Role summary A Credit Risk Analyst at 4most is expected to function as a full-time consultant, this includes being placed on projects for external clients and supporting the business by organising and delivering internal work. To bridge the gap to consulting life we ensure that we provide additional training and support. An experienced 4most consultant will lead and oversee each project and manage the day-to-day activity and delivery. Projects vary in content, client, location, and size, this provides our graduates with a dynamic learning environment that can give great exposure to different areas of Credit Risk. Our analysts gain experience and knowledge by working as part of a coordinated and resourceful team and taking part in tailored training. This allows all our consultants to drive their own development. Key Responsibilities Work effectively both on your own and as part of a team and complete project work accurately and to a high standard. Take responsibility for your own deliveries within the scope and deadlines set. Work with areas of the business to identify opportunities for increasing value through the application of analysis and modelling techniques. Present and discuss results with stakeholders and peers. Proactively identify areas for improving team capability and new business. Undertake internal initiatives as required and get involved in other areas of internal 4most processes where possible. Engage in activities to encourage personal development and work on skills and abilities. Ensure all data is managed securely, maintained appropriately, and analysed correctly in line with Data Protection legislation and industry regulation. Work within the company Health and Safety policy. Expectations and Requirements: A Credit Risk Analyst should be: Analytical Our roles require a great deal of problem-solving and so we need to be able to think of solutions given the resources and data that we have. Organised Our purpose is to deliver bespoke solutions to our clients so these should be structured in a clear and methodical way. Flexible Client satisfaction is crucial. We should adapt to our clients needs and this may require a change in our method, implementation or even structure. Decisive A consultant gives expert advice within a technical or professional field and so we must be able to make clear and informed choices. Supportive 4most benefits from having a variety of individuals but we must collaborate effectively to reach our goals, therefore, we expect 4mosters to be inclusive, compassionate, and helpful. Honest We do not always know the answer, but we will find it! We expect consultants to be transparent in their approach and demonstrate integrity. Enthusiastic A strong passion for finding smart and valuable solutions whilst working collaboratively with peers ensures that we can deliver high quality products to our clients. Self-motivated We are always striving to improve and so it is important that you are keen to develop both yourself and 4most alike. Willing to travel on an as needed basis The role will require travel to London for initial training and may require some additional overseas trips. Knowledge and Understanding Required (Competencies) Academic As our solutions require a strong base of analysis, we ask for candidates to apply with a discipline grounded with quantitative aspects and strong statistical content. Experience Our analysts are given responsibility to operate as a consultant and so we try to look for candidates with some relevant work experience. The type of experience we seek is for a minimum of 6 months which demonstrates how you have applied your academic knowledge in a practical environment, such as a placement year or experience in Financial Services being the most desired. Coding Experience The solutions we build will mostly require use of analysis packages and so experience and demonstration of a coding ability is crucial. We look for SAS or SQL, but we acknowledge both R and Python as foundation coding experience too. Analysis Demonstration of manipulating and analysing large datasets with customer information. Strong Communication Skills Communication is key! We will need to interact internally and to external stakeholders both verbally and written so to bring results and recommendations to life. We seek prominent influencing and interpersonal skills. Excellent attention to detail. Interest/Knowledge of the regulatory environment that impacts credit risk activities and our clients. Passionate about the business impact of our solutions, driven by continuous improvement. Benefits Salary dependant on experience plus: 33 days holiday (including national and public holidays), Discretionary bonus, 50% sponsorship towards relevant courses, Private health insurance, Life Assurance, Employees provident fund. 4most is a global specialist risk analytics consultancy employing about 300 people spread across the UK, UAE, Ireland, India, and the Netherlands. Already working at 4most Let s recruit together and find your next colleague.