​J3559 - Risk Manager Flow - UK, Greater London / Surrey (Hybrid) - Asset Finance

New Leaf Search has partnered with a leading European financial services group in its search for a Risk Manager Flow.
Excellent salary, bonus and benefits. Location: UK, Greater London / Surrey (Hybrid).

Key Accountabilities

• Analyse credit data and financial statements to determine risk in extending credit across all business channels, including sales-aid leasing/flow business.

• Interpret and evaluate internal and external reports, undertaking due diligence meetings to clarify credit and collections information as required.

• Generate and assess financial ratios and benchmarking data to evaluate customer financial status and industry standing.

• Conduct collateral curve analysis in line with market, sector, and portfolio considerations.

• Prepare comprehensive risk reports with clear recommendations for credit decisions.

• Ensure compliance with regulatory and industry guidelines, including consumer credit, AML, and data protection.

• Review existing transactions to evaluate payment history, purchase activity, and collateral analysis, recommending renewals or adjustments as needed.

• Monitor delinquent accounts in conjunction with Collections and mitigate potential risks.

• Maintain risk systems and ensure the accuracy of all portfolio data.

• Verify that transactions comply with sanctioned credit limits and conditions before pay-out.

• Attend screening meetings to provide preliminary risk commentary and coordinate credit processes with the front office.

• Recommend improvements to systems, processes, and practices to enhance efficiency and capacity.

• Engage in ongoing personal development to support business and personal objectives.

Person Specification

• Minimum 2 years’ credit experience, ideally analysing financial statements across multiple industries.

• Strong analytical and commercial judgement, with a good understanding of the asset finance industry and product types.

• Confident in assessing unsecured and small ticket transactions.

• Effective communicator, both verbally and in writing, with strong interpersonal and stakeholder skills.

• Solid grounding in credit analysis and underwriting, with experience in structured or cash flow lending beneficial.

• Proficient in Microsoft Word and Excel.

• Professional, organised, self-disciplined, and a strong team player.

We strongly favour applicants with proven, relevant experience in Financial Services, particularly Asset Finance and Leasing.
You will also require relevant in-country experience; without which, your application will not be considered.

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💷 Referral Bonus: £500 if you recommend someone we place!