Join our Graduate Programme Credit Risk Analyst

2 weeks ago

Greater Manchester, United Kingdom Together. Full time
Company Description

Here at Together, weve been providing specialist finance (loans and mortgages) for nearly 50 years. And although were an experienced market leader, were a lot like a start-up: growing fast, and always innovating.

Our Graduate Programme promises far more than just a job; its the chance to join a thriving business, learn from the best people in the industry, and grow your skills quickly. Join us, and youll gain lots of exposure to meaningful business projects, designed to help you gain a holistic understanding of our business, and provide you with an exceptional grounding in property and financial services.

Throughout your programme you will be fully supported by a dedicated Academy Manager, as well as being mentored by Senior Leaders and previous Together Graduates during the course of the programme.

Job Description

The Credit & Portfolio Risk Team are responsible for the day to day management of credit and portfolio risk within Together. Working collaboratively with the other 1st line functions (underwriting, operations, sales, collections & recoveries) and 2nd line credit risk teams, the team ensure that Togethers credit risk policies and standards are optimised to ensure the business achieves its commercial aims within the Boards stated credit risk appetite. We are responsible for the development of and adherence to standards, the strategies that optimise the management of credit risk and the monitoring of all credit related aspects of Togethers regulated and unregulated portfolios.

Reporting to the Senior Credit Risk Manager (Standards), the 1st line Credit Risk Analyst is responsible for providing comprehensive insight and ad-hoc analysis into operational and process adherence to Togethers credit policies, standards and strategies. The role is also responsible for supporting the successful implementation of new policies, controls and strategies related to credit risk management across regulated and unregulated portfolios.

Qualifications

What we are looking for:

  • Minimum achievement or expectation of a 2:2 degree in a numerical based subject such as data analytics, finance, maths, statistics, engineering, sciences related.
  • Graduated in 2023 or are due to complete in 2024;
  • Good knowledge of Excel and coding knowledge (such as SQL or R) would be very beneficial;
  • Use of data visualisation tools is desirable but not mandatory as training will be provided.
  • An interest and enthusiasm to work in the Financial Services industry;

Our selection process consists of:

  • Application (CV)
  • A telephone interview;
  • An onsite (Cheadle) assessment centre.

To read more about the business go to our website at

Additional Information

Benefits working at Together

  • 26 days holiday, (increasing with service) your birthday off, and bank holidays
  • Buy & sell holidays
  • Discretionary annual bonus
  • Matched pension contribution
  • Life assurance
  • Critical illness cover
  • Health cash plan
  • Private medical insurance
  • Free access to company holiday homes
  • Travel season ticket loans
  • Ride to work scheme
  • Free local gym access
  • Local bar / restaurant discounts

Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.

Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.


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