Credit Risk Analyst

Lumon Pay Ltd; City of London; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading foreign exchange and international payments company is seeking a Credit Risk Analyst to perform financial and risk assessments. This entry-level position requires a degree in finance or a related field, with strong skills in Excel and communication. The role offers a highly competitive salary, hybrid working arrangements, and a range of benefits including health support and pension contributions.

Benefits

Highly competitive salary

Hybrid working model

25 days annual leave with purchase option

24/7 GP and counseling services

Life Assurance up to 4 times salary

Pension contributions

Cycle to work scheme

Enhanced maternity leave benefits

Medicash benefits plan

Qualifications

• A degree in Finance, Business Administration or a related field.
• Competence in MS packages, especially Microsoft Excel.
• Excellent verbal and written communication skills.
• Ability to prioritize tasks effectively.

Responsibilities

• Carry out risk assessments on new and existing customers.
• Complete financial analysis of corporate statements.
• Monitor watchlist exposures with relevant management.
• Provision of credit reporting to relevant managers.
• Support the enhancement of credit assessment processes.

Skills

Financial analysis

MS Excel

Communication skills

Time management

Education

Degree in Finance or Business Administration

Job description

Join to apply for the Credit Risk Analyst role at Lumon

Lumon is a leading foreign exchange and international payments company which enables effortless overseas payments by uniting people, technology & expertise.

We help companies expand their businesses globally, whether paying international suppliers and staff, receiving funds from international clients, or managing currency risks to their bottom‑line from constantly changing currency exchange rates.

We are passionate about what we do, as we believe helping people and companies achieve their goals is more valuable than just moving their money.

What’s the role?

You will carry out risk assessments on new and existing customers, as well monitoring the evolution of our exposure. You will complete financial analysis demonstrating both insight and understanding of financial statements and relevant non‑financial information. You will also assist with credit control activities.

Responsibilities

• Reviewing corporate financial statements and other information to assess and recommend suitable credit limits.
• Performing credit control activities in line with credit policy.
• Portfolio oversight to ensure all customers continue to meet qualifying terms.
• Identifying and monitoring watchlist exposures and agreeing strategies for management with Credit Risk Manager and CRO.
• Provision of credit reporting to the Credit Risk Manager and CRO.
• Supporting work to enhance and digitise the credit assessment and credit control processes.
• Other general MI and admin tasks as requested from time to time by the CRO.

What else will help you to succeed in this role?

• You have a degree in Finance, Business Administration or a related field.
• You are competent in MS packages, especially Microsoft Excel.
• You have excellent verbal and written communication skills and you feel comfortable in presenting credit proposals to senior internal stakeholders.
• You are comfortable being responsible for your own work load while prioritising day to day tasks when needed.

What can we offer you?

• Highly competitive salary
• Hybrid working between our office in Dublin and Home
• 25 days Annual leave, with a chance to purchase up to 5 additional days each year + annual leave on your birthday
• 24/7 GP, counselling and Psychotherapy sessions for all members and their direct families and Employee Assistance Programme
• 4 x Annual salary Life Assurance
• Pension contributions – ER contribution of up to 3%, Employee contribution up to 5%
• Cycle to work scheme and season ticket travel loan scheme
• Enhanced Maternity leave – 12 weeks @ full pay, 8 weeks @ half pay followed by 19 weeks SMP = 39 weeks. Statutory Paternity Pay – Full pay for maximum of 2 weeks
• Medicash Cash plan benefits such as, Free eye tests, Dental check-ups and access to therapy treatments

Equal Opportunity Employer

Lumon is proud to be an Equal Opportunity Employer. We are committed to equal employment opportunity regardless of race, colour, ancestry, religion, sex, sexual orientation, age, marital status, disability, or gender identity.

If you consider yourself to have a disability or require any reasonable adjustment during the recruitment process or within the workplace, please highlight this at the earliest opportunity, we will provide appropriate support to you throughout the process.

Seniority level

Entry level

Employment type

Full‑time

Job function

Finance