Ebury

Overview

The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.

About Ebury

Ebury delivers sophisticated, integrated solutions — business accounts, hedging, and financing — on a single platform with a seamless workflow. Our success is built on a simple premise and singular purpose: To help businesses operate and scale globally.

Requirements & Eligibility

• University degree in Accounting, Economics, Finance, Mathematics or similar
• Fluency in German and English
• Ability to read German management accounts (BWA, SuSa)
• Experience in understanding how businesses work and perform. Full understanding of balance sheet, P&L and cash flow
• A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness.
• Analytical mind and strong problem-solving skills
• Demonstrable strong analytical ability
• Clear, concise communication style, with the ability to explain complex concepts coherently

Key Responsibilities

• Support, and report to, the Regional Head of Credit Risk.
• Undertake ad hoc requests from the Global Head of Credit Risk.
• Perform detailed credit analysis of prospects and clients for the purpose of granting Supplier Payment Financing and currency trading products, with a focus on financials, operations, and trading cycles.
• Present and defend your analysis personally at credit committee meetings to senior management.
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly.
• Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury.
• Proactively manage your own pipeline of work.
• Liaising with managers across our other geographies to add insight or assist where necessary.