At Ayvens, progress starts with you.



Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.




Start Your Career in Credit Risk with a Growing Market Leader



Do you have a curious mind, a passion for problem-solving, and an interest in how businesses make responsible lending decisions?



We're looking for a
Graduate Credit Policy Analyst to join our Bristol-based Credit Risk team. This is an exciting opportunity to build a career in credit risk, policy, and analytical decision-making within a growing and dynamic organisation.



The Credit Risk Department plays a critical role in ensuring the business lends responsibly and within its defined risk appetite. We are responsible for recommending, implementing, and monitoring the strategies, policies, and controls used to quantify and manage credit risk across all lending channels.



As a Graduate Credit Policy Analyst, you'll work alongside experienced risk professionals, developing the skills and knowledge needed to influence lending decisions, improve risk frameworks, and support the ongoing optimisation of our credit risk strategy.




What You'll Be Doing



In this role, you'll develop a strong understanding of credit risk management and support key activities including:

• Monitoring credit risk policies, controls, and processes to ensure the business operates within its defined risk appetite.


• Supporting the continuous improvement of the credit risk management framework.


• Assisting with the development and enhancement of controls used to assess compliance with policies, regulatory requirements, and Group standards.


• Conducting detailed case-level reviews of underwriting decisions and providing constructive feedback to operational teams.


• Working with colleagues to identify opportunities to optimise credit risk strategies, policies, and decisioning processes.


• Supporting risk monitoring activities and helping track actions arising from audits, control reviews, and regulatory recommendations.


• Producing analysis, reporting, and insights to support informed risk-based decision making.


• Contributing to the governance framework that underpins effective credit risk management.

What We're Looking For



We're seeking a graduate who is eager to learn, intellectually curious, and motivated to develop a career within Risk and Financial Services.



Essential Skills & Attributes

• Degree educated (or equivalent qualification) in a numerate, analytical, or business-related discipline such as Finance, Economics, Mathematics, Statistics, Data Science, Business, or similar.


• Strong analytical and problem-solving skills with excellent attention to detail.


• Naturally inquisitive, with the confidence to ask questions and challenge thinking constructively.


• Strong written and verbal communication skills, with the ability to explain complex information clearly to different audiences.


• A proactive approach to learning and continuous professional development.


• High levels of integrity, professionalism, and resilience.


• Strong IT literacy, including Microsoft Office applications, particularly Excel.

Desirable

• Previous internship, placement year, or work experience within financial services, risk, lending, underwriting, or analytics.


• Understanding of credit risk, lending, banking, or financial services.


• Experience using data analysis tools or working with large datasets.


• Knowledge of underwriting processes within consumer (B2C) or commercial (B2B) lending environments.

What we can offer




Rewards & Financial Benefits



Competitive pension scheme, Annual salary review and bonus scheme, Give As You Earn (GAYE) scheme, Employee referral scheme (£1,000) Retail discounts programme, GymFlex membership options, Cycle to Work scheme




Health & Wellbeing



Life Assurance, Health assessment options, Travel insurance, Dental insurance, Critical illness cover, Personal accident insurance.




Time Off & Work-Life Balance



25 days' annual leave + an additional Celebration Day, 37.5 hour week, Monday to Friday, no weekends, Holiday buy & sell scheme, Volunteer days , Time allocated for personal development, Study support (where applicable).




Workplace & On -
Site Facilities



Free parking (Limited), EV charging points, Bike storage & shower facilities, Complimentary breakfast, Staff and social events



Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified. At Ayvens we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited by this, or any role at Ayvens but your experience doesn't exactly align, we would encourage you to apply regardless! What's the worst that can happen?!




Why Ayvens?



With over 3.1 million vehicles managed across more than 40 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.



At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We're committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we're guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.



Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed. Follow our page for the latest updates, news, and insights.