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About the Role
This role supports the effective delivery of an end-to-end Credit and Country Risk Management function for Crown Agents Bank Group. The role has a dual analytical focus on credit/counterparty risk assessment and country risk analysis, particularly in emerging and frontier markets. It also involves contributing to the modernization of risk processes through data, systems, and automation.
Responsibilities
- Assist in preparing credit applications and reviews based on risk assessments to support credit decisions for new and existing clients.
- Contribute to monitoring counterparty credit risk, including limit utilization, exposure movements, and early warning indicators.
- Support the administration and monitoring of the credit portfolio to minimize credit losses.
- Play an active role in the analysis, assessment, and review of key emerging and frontier market countries relevant to CAB's operating footprint.
- Support the development and maintenance of country risk assessments, incorporating various risk considerations.
- Contribute to country risk monitoring, thematic analysis, and escalation discussions.
- Streamline and automate credit and country risk processes, including data capture, risk assessment templates, and portfolio monitoring.
- Help convert manual or fragmented processes into structured, data-driven workflows.
- Assist in enhancing credit and country risk tools, policies, and procedures.
- Participate in credit and country risk projects and initiatives, including reporting and responding to regulatory or audit requests.
- Support the Head of Credit Risk with broader departmental initiatives and priorities.
Requirements
- At least a bachelor’s degree or equivalent in a commercial/numerical subject and/or relevant professional qualification.
- Relevant and demonstrable experience gained in financial services, banking, rating agency, treasury, or accounting environment, ideally in an emerging/frontier market context.
- Strong credit analytical ability, focused on the assessment and calibration of credit risk.
- Knowledge of banking products from a credit risk perspective including payments, treasury/ FX products (including derivatives), and trade finance.
- Strong written and verbal communication skills.
- Demonstrated ability to operate as a team player and work collaboratively across functions, cultures, and seniority levels.
- Data-literate and systems-aware mindset, with experience using Excel, databases, dashboards, or risk systems.
- Demonstrated interest or experience in process improvement, automation, or use of technology to enhance risk management workflows.
- Ability to work under pressure and plan to ensure tasks are completed within agreed timeframes and urgent tasks/assignments are prioritized.
Skills
- Credit risk assessment
- Country risk analysis
- Financial modelling
- Excel
- Databases
- Dashboards
- Risk systems
- Process improvement
- Automation
- French language skills (desirable)
- Portuguese language skills (desirable)
- Spanish language skills (desirable)
Location
- UK
Work Type
- Hybrid working
Experience Level
- Relevant and demonstrable experience
Education Level
- Bachelor's degree or equivalent
- Relevant professional qualification
Salary/Compensations
- Competitive
Benefits
- Contributory personal pension plan (Employee 2% min, Employer 7% min; Employer matches up to Employee 5%, Employer 10%)
- Life Assurance – 4 times annual salary
- Group Income Protection
- Private Medical Insurance (may include cover for partner and/or children)
- Discretionary Bonus
- Competitive Annual Leave
- 2 Volunteering Days
- Benefit Hub
About the Company
- Crown Agents Bank is a rapidly growing, regulated UK bank connecting emerging and frontier markets to the world through innovative FX and payments technology.
- Their mission is to reduce friction so more money reaches those who need it.
- With over 200 years of experience, they build trusted networks across hard-to-reach markets, pairing heritage with digital innovation to support fintechs, corporates, governments, development organisations, and banks with cross-border payments and FX solutions.