Credit risk portfolio Analyst

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.

Ayvens - becoming better with every move.

We value our employees and their talents, and we strive to help employees grow professionally, including by finding the right opportunity for every colleague within Ayvens. If you see an open position that is the right fit for you, we encourage you to apply.

As our colleague, you make all the difference in our success and we are here to support you.

The PAG is part of Ayvens' Risk Department and Credit Risk Team, a team within the Ayvens holding company responsible for supporting and supervising the 43 local entities on matters of credit granting and credit risk management.

The Risk Specialist in the PAG will: 

• Participate in the preparation of monthly and quarterly credit committees, in liaison with the finance department and local credit and finance teams.
• Participate in various cross-functional projects, particularly regulatory (NDOD, default, forbearance, watchlist, etc.)
• Participate to the definition of the credit risk management process (other than origination) including requirements and improvements in workflow, system and policy.
• Help in Monitoring the quality of the credit portfolio of Ayvens subsidiaries and act on any irregularities identified.
• Participate in monitoring the quality of credit portfolios.
• Participate in designing controls in credit risk processes and monitoring periodically if the central processes are effective.
• Suggest improvements in the global credit risk processes based on the outcomes of control testing.
• Participate in the coordination of the adjustments coming from Change initiatives (from integration, regulation) and in the implementation of that into the Run activities.

Technical skills:

- Significant knowledge of credit risk monitoring (regulations, internal rules and procedures, RWA, concentration, etc.)

- Prior experience in setting up and monitoring risk management, monitoring and reporting systems within the Société Générale group is a plus.

- Prior experience as credit analyst is a plus.

- Experience with advanced office tools (Excel, PowerBI), other data visualization tools and SQL language.

- Knowledge of credit risk management principles and relevant regulation (delegations, counterparty ratings, credit risk exposure, cost of risk, provisioning, doubtful exposures etc.)

- Knowledge of the specificities of the operational leasing business;

Behavioural skills:

- Strong analytical skills

- Good communicational skills

- Pragmatic, solution-oriented approach

- Taking initiative; ability to self-address subjects, prioritize them and identify the right stakeholders for move them forward.

- Synthetic approach.

Language skills:

- English fluent, other languages welcome

Experiences:

- Some experience in a comparable role is a +

- Master degree in credit risk management or finance

Why Ayvens?  

With over 3.4 million vehicles managed across more than 42 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.

*ALD Automotive | LeasePlan are rebranding to Ayvens across all 42 countries by 2025.