Are you an experienced Credit Risk Analyst with a strong ability to challenge financial risks and influence senior leaders?

At Zenith, our Credit Risk Team is a fast paced, agile team managing a diverse portfolio of well-known brands across multiple industries. We're looking for a Senior Credit Risk Analyst to join us and play a pivotal role in shaping our approach to credit risk management.

Zenith, the UK's largest independent vehicle solutions provider, is at the forefront of the transition to sustainable vehicle solutions and shaping the future of leasing. With ambitious growth plans and a £25 million, four-year transformation programme underway, there's never been a better time to join us.

This is an exceptional opportunity to thrive in a dynamic, high-impact credit risk environment where you'll take ownership of evaluating end-to-end credit risk for both new and existing business customers. Leveraging your expertise in financial analysis, you'll interrogate financial statements—including balance sheets, cash flow, and profit and loss accounts—to assess creditworthiness, identify financial risks, and provide actionable insights. You'll make critical credit decisions, set appropriate credit limits based on your findings, and act as a trusted advisor to senior leaders, including the CFO and executive board members, by confidently challenging financial risks and credit suitability.

In addition, you'll work closely with the Credit Risk Manager to manage complex credit decisions, coach and mentor team members, and drive continuous improvements in credit risk processes.

This role requires someone who is not just experienced in credit risk but also confident in assessing corporate financial risk and comfortable engaging with senior decision-makers to influence outcomes.

WHATS THE ROLE?

As our Senior Credit Risk Analyst, you will play a pivotal role in managing and mitigating business credit risk across a diverse portfolio. Your responsibilities will include:

• Assess and set appropriate credit limits for business customers, ensuring alignment with the company's risk appetite and funding covenants.
• Monitor the existing customer portfolio for early signs of financial distress, identifying risks and recommending timely, effective actions to mitigate potential issues.
• Prepare and present the monthly Credit Risk Committee report, providing detailed sector and customer analysis across both existing and new business portfolios.
• Design, run, and monitor reports to identify customers approaching their credit limits, ensuring proactive risk management.
• Provide actionable insights and recommendations and offer up risk mitigation to support business decision-making.
• Build and maintain strong relationships with key stakeholders, including credit ratings providers, internal teams, executive board members, and external customers.
• Support the design and implementation of a credit monitoring system to capture and track credit risk-related information for all customers and suppliers.
• Drive continuous improvement by identifying opportunities to enhance credit risk processes, systems, and reporting tools.
• Support the development of new systems and processes to improve credit risk transparency, automate responsibilities, and enhance reporting capabilities.
• Implement and maintain credit standards and procedures across the business, ensuring adherence to policies and best practices.
• Manage the sector classifications and risk profiles for the business, ensuring they are up-to-date and reflective of current market conditions.

WHY ZENITH?

At Zenith, we're incredibly proud of what we've achieved over the past 35 years. We've been shaping the automotive industry with innovative solutions across commercial vehicles, corporate fleets, and consumer leasing. Here's why we're a great place to work:

• Sustainability Leaders: With 41% of our fleet now Battery Electric Vehicles (BEVs), we're driving the transition to net zero as a carbon-neutral organisation. We're also proud issuers of the UK leasing sector's largest-ever green bond.

• Award-Winning Business: Recognised as Leasing Company of the Year (Fleet News 2023), Large Business of the Year Award (Yorkshire Post Excellence in Business Awards)  and winners of the Diversity and Inclusion Award (Yorkshire Post Excellence in Business Awards).
• Commitment to Innovation: With a thriving fleet of 169,910 vehicles and consistent revenue growth, we're at the forefront of industry transformation.
• Inclusive Culture: Powered by six colleague-led diversity groups, we're committed to creating an outstanding employee experience for everyone.
• Career Development: Our MyGPS personal development framework empowers our people to grow, thrive, and shape their careers in a business built for the future.

WHAT YOU CAN OFFER

This role is perfect for someone with credit risk experience within direct business lending or supplier/ customer analysis lending environments, or someone from practice who is looking to transition into industry with experience in insolvency, restructuring, M&A, or deals across a breadth of sectors. You'll also need:

• Strong decision-making skills with the ability to make sound judgments based on data and analysis.
• Leadership skills to coach and motivate team members and influence stakeholders at all levels.

SALARY & BENEFITS 

• Competitive Salary: up to £60,000 per annum (depending on experience) & Annual bonus 
• Company car / car allowance
• 24 days annual leave & 1 day for your birthday, with the option to buy more
• Health & wellbeing: Private Medical Cover, Life Insurance, Critical Illness Cover, Dental and Health Cash Plans, Funded HRT Treatment, and more.
• Financial Benefits: Tech Scheme, Car Sacrifice Scheme, Cycle to Work Scheme, Season Ticket Loans, breakdown cover
• Career Development: Opportunities for professional growth and access to our MyGPS personal development framework.
• Perks at Work – save money on everyday essentials with access to a shopping discounts site
• Support for your wellbeing – onsite GP & Masseuse, Employee Assistance Programme, Pensions advice, Funded HRT Treatment, and Mental Health First Aiders
• Agile Working: Flexible working arrangements to suit you, with free parking onsite.
• Social Activities: Sports and social clubs, company activities, and team events.
• Inclusive Culture: colleague-led equality groups and be part of a company committed to equality, diversity, and inclusion.

SOUND LIKE THE RIGHT OPPORTUNITY FOR YOU? APPLY NOW!

When you join Zenith, you're becoming part of a team that's driving innovation, sustainability, and success. We are proud to be an equal opportunity workplace that seeks to recruit, develop and retain the most talented people from a variety of backgrounds, perspectives, and skills. We therefore encourage applications from people who want to be part of a business that's shaping the future of vehicle mobility, delivering for customers, and making a difference for the environment and society.