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About the Role

We are looking for a Credit Risk Analyst to own the assessment, approval, and ongoing monitoring of client credit limits and forward facilities. This role sits at the intersection of commercial growth and risk control, enabling the sales and dealing desks to win and serve clients while protecting the firm from credit losses. It is a hands-on role with real ownership of decisions, ideal for someone who enjoys combining rigorous financial analysis with fast-moving, market-driven judgment.

Responsibilities

Review credit application requests
Assess the creditworthiness of new and existing clients using financial statements, management accounts, credit reference data, and qualitative factors
Recommend, set, and document appropriate credit limits, tenor, and margin terms for forward contract facilities in line with the firm's risk appetite
Partner closely with sales and dealing teams to balance commercial opportunity against risk, providing clear, timely credit decisions that support deal velocity
Manage margin and collateral requirements; identify, initiate, and track variation margin calls when client positions move out of the money
Track limit utilisation daily and escalate breaches, deteriorating credit quality, or concentration risks promptly
Conduct periodic credit reviews and annual facility renewals, adjusting limits as client circumstances and market conditions change
Support stress testing and scenario analysis on the forward book (e.g. adverse FX moves, single-name default, sector shocks)
Aid credit assessment of counterparties and other key suppliers
Maintain credit policy and procedure documentation, and ensure decisions are compliant with internal policy
Prepare and contribute to credit and exposure reporting for the Risk Committee and senior management
Implement process improvements, automation and simplification
Respond to ad-hoc requests, investigating specific risk issues and providing insight to support business decisions

Requirements

Experience in credit risk analysis, ideally within FX, payments, banking, or another financial services environment
Understanding of Credit Reference Agency data and its practical application
Strong financial statement analysis skills — able to interpret company accounts, assess liquidity and solvency
Excellent verbal and written communication skills
A true team player with a winning mentality and strong work ethic committed to continuous improvement and high performance
Adaptable, tenacious and flexible who can perform under pressure
Must be eligible to work in the UK
Full background checks will be carried out on all successful candidates

Skills

Credit risk analysis
Financial statement analysis
Verbal communication
Written communication

Location

London

Work Type

Permanent
Full Time

Education Level

Degree in finance, economics, accounting, mathematics, or a related discipline — or equivalent practical experience

Benefits

25 days’ annual leave, plus bank holidays
An extra day off for your birthday
Holiday loyalty scheme rewarding long-term service
Work abroad scheme for added flexibility
Competitive pension scheme via salary exchange
Annual discretionary bonus scheme (eligible after probation)
Financial education, planning & coaching platform
Interest-free Season Ticket Loan for London travel
Salary exchange nursery fee scheme
Life Insurance
Healthcare platform including: Cashback on dental, optical & physio, Virtual GP access, Mental health and stress support helplines, Additional wellbeing resources
Enhanced parental leave
Cycle to work scheme
Flexible benefits that support everyday life
Career development and progression tools
Opportunities to grow within a fast-scaling international business
Social events including sporting events, pub nights, seasonal celebrations and socials

About the Company

We believe that diversity and inclusion are essential to our success. We are committed to fostering a culture where everyone feels valued and respected, regardless of their background, identity or experiences. By embracing diverse perspectives and promoting equity, we aim to create an environment where all employees can perform and reach their full potential.