Credit Risk Analyst – Enterprise Risk Management Team
London | Permanent | Hybrid Working
Role Overview
As a Credit Risk Analyst within a global insurance companies Enterprise Risk Management function, you will support the insurance investment risk team through a range of analytical and reporting responsibilities. You will contribute to the assessment of creditworthiness across multiple asset classes and issuers, helping to inform risk-based decision-making across life and non-life portfolios.
This role offers exposure to structured and private credit, fixed income markets, and insurance balance sheet risk management, working closely with Investment, Finance, and Actuarial teams.
Key Responsibilities
Credit Analysis & Monitoring
- Assess credit profiles of life and non-life investment portfolios using financial statements and external rating agency data
- Develop and maintain credit risk indicators to monitor portfolio-level risks
- Support analysis of structured credit, private credit, and other fixed income assets through cash flow modelling and market research
Reporting & Committee Support
- Prepare credit reports, dashboards, and committee materials for governance forums (e.g., watchlists, investment committees, asset-liability management, and valuation committees)
- Contribute to periodic portfolio reviews and performance analysis for senior stakeholders
Data & Risk Support
- Maintain credit rating databases and support monthly rating validation processes
- Assist with regulatory and capital reporting requirements (including solvency and capital models)
- Provide data and analytical inputs for stress testing, impairment assessments, and capital modelling assumptions (e.g., default and migration assumptions)
Collaboration & Communication
- Work closely with colleagues across Risk, Finance, Actuarial, and Investment teams to ensure data accuracy and consistency
- Present findings clearly to both technical and non-technical stakeholders
- Provide general analytical and administrative support to the wider team as required
Qualifications & Experience
- Bachelor’s degree in Finance, Economics, Accounting, Business, or a related discipline (postgraduate qualification advantageous)
- Strong analytical and quantitative capabilities with excellent attention to detail
- Advanced MS Excel skills and proficiency in PowerPoint; experience with financial modelling and data analysis
- Strong written and verbal communication skills
- Ability to manage multiple priorities and meet deadlines effectively
- Collaborative mindset with willingness to learn and develop professionally
- Proactive approach to learning and continuous improvement
Desirable Skills
- Internship or experience in insurance, investment risk, structured credit, or quantitative/data analysis roles
- Understanding of structured credit, real estate, or fixed income instruments
- Familiarity with insurance concepts and terminology
- Exposure to SQL and/or Python for data handling and analysis
What’s Offered
- Exposure to a global insurance and investment risk environment
- Experience across both life and non-life portfolios
- Collaborative and supportive team culture
- Strong development opportunities in credit and investment risk analytics
- Networking exposure across investment and actuarial professionals
Compliance Responsibilities
- Adherence to all relevant internal compliance policies and procedures
- Completion of required compliance training
- Use of compliance tools and resources as part of daily responsibilities
- Prompt reporting of any compliance concerns or issues
The organisation is an equal opportunities employer and is committed to creating an inclusive working environment. Applicants from all backgrounds are encouraged to apply, and reasonable adjustments will be made where needed during the recruitment process.