Associate - Credit risk Job at Clear Street (London)

Credit Risk Associate

As a member of Ramp's Risk Strategy & Operations team, you will leverage data to...

Location

United States , New York, NY; San Francisco, CA

Salary:

108300.00 - 165450.00 USD / Year

Ramp

Expiration Date

Until further notice

Requirements

Minimum 2 years of experience in credit risk management or quantitative strategy role
Minimum 2 years of experience using SQL or Python for data retrieval and manipulations
Experience within consumer/corporate/small business cards, payments, lending, or related industries
Excellent written and verbal communication skills

Job Responsibility

Leverage internal and external data to create best in class credit policies
Understand Ramp’s exposure to risk across multiple products to create holistic underwriting and risk management strategies
Investigate and evaluate efficiency of risk policies, procedures, and processes
Analyze market and industry trends, identify potential macroeconomic risk factors and incorporate in credit policy
Partner with product, engineering and design teams to execute credit policies, improve operational tooling, and shape the risk management infrastructure
Partner with data scientists to build and leverage credit risk models in Ramp’s credit policy
Partner with finance teams to create and maintain risk adjusted returns framework, including loss forecasting

What we offer

100% medical, dental & vision insurance coverage for you
Partially covered for your dependents
One Medical annual membership
401k (including employer match on contributions made while employed by Ramp)
Flexible PTO
Fertility HRA (up to $10,000 per year)
Parental Leave
Unlimited AI token usage
Pet insurance
Centralized home-office equipment ordering for all employees

Fulltime

Associate, Credit Risk Operations (Underwriting)

As an Associate, Credit Risk Operations, you will be conducting credit risk revi...

Location

Singapore , Singapore

Salary:

Not provided

Airwallex

Expiration Date

Until further notice

Requirements

5 years of relevant experience with knowledge of commercial credit underwriting, financial statement analysis, and cash flow forecasting
Knowledge of merchant acquiring services and the payment processing industry
Effective communication skills
attention to detail
Be a team player, with strong interpersonal and communication skills, both written and verbal
Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, under a fast-paced environment
Be comfortable with complex data and analytics to draw meaningful insights. SQL is required for this role.

Job Responsibility

Assess merchant’s credibility in both onboarding and monitoring workflows, by verifying and analyzing merchant’s business information and financial statements
Provide tailored credit risk recommendations that mitigate Airwallex’s exposure while facilitating partner company growth
Prioritize and process the review of incoming applications to verify their accuracy and integrity, interpret them so that they are concise, exact, integral, in compliance with the policy, and register them accurately and in a timely manner
Deliver insights to support key business decisions ranging from onboarding strategies to pricing analysis and product launches
Lead process improvements to help the team deliver on key performance indicators and meet service level agreements
Provide feedback on data, tools, 3rd party vendors etc. for continuous ops efficiency improvement, along with on-going enhancements of policies and procedures.

Fulltime

Credit Risk Associate

ICG Risk Analysis Credit Risk Associates are responsible for a portfolio of ICG ...

Location

Philippines , City of Taguig

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstratable financial services experience
3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes and organizational awareness
Sound understanding of policies and procedures
Well-developed analytical skills
Understanding of key financial components (liquidity position, leverage profile)
Solid and thorough knowledge of Citi's systems
Experience in preparing presentations for seniors
Full awareness and adherence to the control environment including Quality Assurance and Quality Control
BA/BSc or higher degree in Business (MBA), or any other related subject

Job Responsibility

Assess the credit and financial strength of Citi's most complex Large Corporate, Public Sector, and Financial Institutions Clients
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings
Continuous monitoring of the covered portfolio
Following industry trends and impacts to key relationships
Escalation of potential credit issues
Reviewing and providing recommendation on the risk raking across this sector
Partnership with regional and industry stakeholders
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Fulltime

Credit Risk Senior Associate - Retail Mortgage

N26 is looking for a Credit Risk Senior Associate to join N26's Retail Mortgage ...

Location

Germany , Berlin

Salary:

Not provided

N26

Expiration Date

Until further notice

Requirements

Bachelor's degree in finance, economics, mathematics, computer science, or a comparable quantitative field
3+ years of experience in credit risk management, particularly with a focus on retail mortgage products, data analytics, process controls, or credit risk methodology development
Good understanding of key risk indicators across obligor, collateral, and portfolio levels within the mortgage domain
Solid understanding of processes across the entire mortgage value chain
Solid regulatory knowledge of Dutch (e.g., THRK), European (e.g., EBA GL LOM), and German (MaRisk, KWG) regulations
Proven experience in building, implementing, and running credit process controls and oversight frameworks
Strong proficiency in SQL
Fluent English

Job Responsibility

Contribute significantly to the further development of N26's mortgage credit risk function
Play a key role in the continuous enhancement of N26's global mortgage governance framework, policies, and procedures
Support the further development and seamless implementation of end-to-end mortgage credit processes and criteria
Design, implement, and operate robust second-line control frameworks and tools for mortgage processes and the portfolio
Develop and maintain a resilient and accurate mortgage credit risk database
Conduct in-depth data analysis and support further development of quantitative models (PD, LGD)
Proactively run comprehensive risk analyses, including assessing the impact of macroeconomic factors on collateral values
Partner with Mortgage Business, Group Treasury, Capital Markets, Corporate Finance, Risk Controlling, Accounting, Regulatory Reporting, and Tech departments

What we offer

Competitive personal development budget
Work from home budget
Discounts to fitness & wellness memberships, language apps and public transportation
Premium subscription on your personal N26 bank account
Subscriptions for friends and family members
Additional day of annual leave for each year of service
A high degree of autonomy and access to cutting edge technologies
A relocation package with visa support for those who need it

Risk Management Country Officer & Wholesale Credit Risk

The Risk Management Country Officer (RMCO) for Dominican Republic will double ha...

Location

Dominican Republic , Santo Domingo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years of relevant experience
Experience in people management
Comprehensive understanding of Banking and Capital Markets products
Experience with wholesale credit portfolio performance monitoring and metrics
Comprehensive understanding of strategic direction of the function
In-depth conceptual/practical grounding in the function and/or expertise in related subject areas
Preferably SCO or SCO journey initiated
Fully Bilingual (Spanish & English)
Bachelor's degree/University degree or equivalent experience
Master's degree preferred

Job Responsibility

Lead a team/organization responsible for risk management activities associated with the wholesale credit portfolio
Analyze credit risk and provide credit recommendations and guidance to senior risk managers
Apply understanding of inherent credit risks for a range of banking products including lending, structured/acquisition finance, and capital markets transactions
Analyze transactions and assist in structuring transactions to contain Citi’s credit risk within acceptable parameters
Conduct internal and external oversight reviews and manage Operating Committee engagement
Produce credit and exposure analyses to ensure aggregate risk exposure to customers remains appropriate to credit standing
Serve as the main point of contact with local regulators and internal audit function on integrated risk matters
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards
Stay updated on industry developments and apply in-depth knowledge to contribute to strategic and pro-active risk management
Provide guidance, review & challenge, and recommendations on complex credit approvals for an assigned credit portfolio Assess the quality of the loan portfolio, including the identification and assessment of emerging risks and providing regular feedback on issues and opportunities to senior management

Fulltime

New

Senior Credit Risk Framework Manager

We are looking for an experienced Senior Credit Risk Framework Manager to suppor...

Location

Netherlands , Amstelveen

Salary:

Not provided

Levy Professionals

Expiration Date

Until further notice

Requirements

Extensive experience within Credit Risk in banking or financial services
Proven experience designing and implementing control frameworks, governance frameworks, or risk frameworks
Experience working within regulatory remediation or transformation programmes
Strong understanding of the Credit Risk lifecycle and associated governance processes
Experience managing senior stakeholders in complex organisational environments
Ability to independently lead initiatives and quickly add value within established programmes
Experience with Risk & Control Frameworks, OCF, RCSA, or similar methodologies is highly desirable

Job Responsibility

Design and further develop Credit Risk control frameworks and governance structures
Define, document, and implement reference controls across the Credit Risk lifecycle
Translate regulatory and governance requirements into practical and scalable solutions
Challenge and improve existing risk governance processes and controls
Drive framework implementation in collaboration with business and risk stakeholders
Coordinate stakeholder reviews, challenge sessions, approvals, and sign-offs
Support regulatory remediation activities and programme delivery
Prepare executive-level presentations and governance documentation
Facilitate stakeholder engagement, communication, and training activities

Fulltime

Credit Risk Modelling Analyst

We've been helping our members save for their future and buy their own home sinc...

Location

United Kingdom , Leeds

Salary:

37000.00 GBP / Year

Leeds Building Society

Expiration Date

June 22, 2026

Requirements

Excellent analytical skills and a strong attention to detail
Problem solving/lateral thinking
Credit Risk analytical experience on retail mortgages portfolios
Ability to present conclusions and results to stakeholders
Develop and deepen understanding of the development life cycle of credit risk models
Academic level knowledge and understanding of statistical aspects to be used in Credit Risk modelling, such as Logistic and Linear Regression
Ability to prepare datasets for credit risk models using multiple data sources
A degree level and/or Masters qualification in a relevant numerate discipline e.g. Mathematics / Economics, or equivalent work experience

Job Responsibility

Use your data analysis and modelling skills to assist in the development and documentation of credit risk models and associated monitoring reports for the Society
Develop and support credit risk models, these will conclude scorecards, IRB and IFRS9 model suites and forecasting models

What we offer

Hybrid working – 2 days per week in the office
Annual bonus of up to 12%
Matched pension contributions up to 10%
26 days holiday, plus bank holidays and holiday purchase scheme
Colleague Mortgage and Saver products
2 days' volunteering per year

Fulltime

Senior Credit Risk Officer – Hedge Funds & Private Equity - SVP

Citi is looking for a Senior Credit Risk Officer specializing in alternative inv...

Location

United States , New York

Salary:

163600.00 - 245400.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

8 or more years of credit experience within financial services, gained across Banking, Trading, Structuring, or Credit Risk Management, with a clear focus on counterparty credit risk for alternative investment managers
Deep expertise in alternative investment counterparties — specifically Hedge Funds and Private Equity — with the ability to assess complex fund structures, financing arrangements, and associated risk profiles
Hands-on underwriting experience across multiple product types, including Prime Brokerage, Structured Lending, Fund Financing, and FX
Strong command of capital markets products and complex financing structures, enabling independent and well-informed credit judgement
Degree in Finance, Accounting, Business, or a related discipline
Ability to make clear, well-supported decisions under pressure and within tight timelines, demonstrating consistent integrity and sound professional ethics
Excellent written and verbal communication skills, with the ability to present complex risk analysis persuasively to diverse audiences, including senior leadership and external clients

Job Responsibility

Evaluate counterparty credit risk across a complex portfolio of alternative investment clients, including Hedge Funds, Private Equity firms, and Business Development Companies (BDCs), covering the full range of products from Prime Brokerage to Structured Lending
Lead credit underwriting decisions for sophisticated financing structures, including subscription credit facilities, Fund Financing, OTC, ensuring rigorous risk/return assessment on every transaction
Assess and monitor portfolio risk on an ongoing basis, identifying emerging exposures and ensuring timely escalation and remediation in line with credit risk standards
Provide well-reasoned, balanced risk assessments on new and existing client relationships, clearly articulating trade-offs between risk and return to senior stakeholders and independent risk partners
Build and maintain strong relationships with key alternative investment clients, internal business partners, and Second Line of Defense risk teams to ensure aligned and responsive credit oversight
Drive global consistency in underwriting standards and credit monitoring practices, collaborating with regional peers to embed and scale best practices across the platform
Interpret local market conditions, regulatory frameworks, and competitive dynamics to inform nuanced credit decisions across jurisdictions

What we offer

Hybrid working model — 3 days in the office and 2 days working remotely
Access to global peers and cross-regional partnerships
Ongoing learning and professional development opportunities, including access to formal training programs and industry credentials support
Competitive compensation and financial wellbeing benefits
Wellbeing and work-life balance support, including employee assistance programs and family support provisions
A culture that values integrity, inclusion, and the kind of independent thinking that drives better risk outcomes
medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs

Fulltime

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Associate - Credit risk

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