Credit Strategy Senior Analyst

February 18

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BVNK

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BVNK is a fintech company that provides enterprise-grade payments infrastructure for stablecoins, enabling businesses to send, receive, convert, and store both fiat and digital currencies. With a focus on compliance and security, BVNK aims to accelerate global money movement by unifying banks and blockchains in a single platform. Their services cater to various industries, including payment service providers and financial institutions, by offering features such as virtual accounts and efficient settlement times.

201 - 500 employees

Founded 2021

💳 Fintech

🔌 API

🔒 Cybersecurity

💰 Series A on 2022-05

📋 Description

• Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. • Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. • The Credit Strategy and Portfolio team sits at the heart of Allica’s lending proposition, responsible for managing credit risk, defining lending participation choices and driving forward growth through credit strategies that optimise the balance of risk and reward in our portfolio. • You will play a key role in defining and shaping our lending proposition, making strategic decisions to drive growth and manage the risk in a loan portfolio of £3bn and growing. • You will utilise your thorough expertise on data analytics, as well as your knowledge of credit products, and SME financing to drive Allica’s journey in disrupting the SME lending industry, fuelling market-leading growth. • This fast-paced role provides a great opportunity for exposure to senior stakeholders and to make a meaningful impact shaping the way in which data is used and portfolio decisions are made at Allica.

🎯 Requirements

• Experience on Commercial Lending, Mortgages, Asset Finance, and Working Capital facilities. • Well versed in credit risk portfolio analysis and monitoring. • Understanding of credit risk policies and related appetite statements. • Strong understanding of IFRS9 and impairment analytics. • Experience working with PD, LGD, EAD and SICR models. • Experience working in a data-driven or credit risk related role in a bank or alternative fintech lender. • Hands-on and proficiency in using SQL and Python for data extraction, manipulation, analysis and modelling. Experience working with GCP and Looker is a plus. • Capability in use of Microsoft Office suite with particular focus on Excel and PowerPoint. • Exceptional problem-solving and decision-making abilities. • Experienced and able to produce well thought out analysis and summarise key messages in a succinct manner that are suitable for different audiences. • Able to differentiate the signal from the noise in complex credit and data analysis. • A bachelor's or master’s degree in finance, economics, mathematics or other quantitative field. • Highly motivated and passionate to make a real difference to Allica and the SME market, and to continuously learn and develop yourself. • Ability to self-start, prioritise objectives and to work to tight timescales. • Strong communication and interpersonal skills, able to foster effective collaboration with cross-functional teams to get things done.

🏖️ Benefits

• Full onboarding support and continued development opportunities • Options for flexible working • Regular social activities • Pension contributions • Discretionary bonus scheme • Private health cover • Life assurance • Family friendly policies including enhanced Maternity & Paternity leave