At Ayvens, progress starts with you.

Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.

The main responsibility of LOD 2 Credit Risk Underwriter is execution, measuring, monitoring and analyzing credit risk with a certain level of authority and validating ratings, oversight of credit process, credit scoring. 

For credit origination, the LOD 2 Credit Risk Underwriter is responsible for: 
•  Reviewing, challenging and approving credit decisions for files within Local LOD 2 delegations. As such, the underwriter makes the final decision for files within the local LOD 2 authority and over credit analyst 
LOD 1 signing authority, as defined in the delegation letter.
•  If a credit decision is above their authority, they prepare the file to be sent to local LOD 2 Credit Risk manager or Risk and Compliance Director, to SG RISQ or PCRU according to the different requirements described in the delegation letter and customers characteristics.
•  Validating ratings performed by LOD 1 Credit Risk used during the credit assessment for non-retail exposures regardless of the delegation.

For data analysis purposes the LOD 2 Credit Risk Underwriter is responsible for:
•  In a risk monitoring and control function, to oversight of the scoring and rating rules being applied by the first line of defense and providing oversight of the whole credit process, as well as contributing to the monitoring of the portfolio concerning early warning indicators, watchlists and default.
•  In a risk reporting function, to be able to prepare the information and data relevant which guarantees the proper oversight and control on the main LOD2 credit risk activities.
 
Required expertise:
 -  Relevant University degree (Bachelor/Masters level) e.g. in Finance, Accounting, Business Administration, Mathematics. Candidates with higher education on Credit risks topics, combined with adequate knowledge of the financial sector will also be considered.
-  Knowledge about Credit risks including a very good understanding of current requirements in Credit risks management and governance.
-  Strong financial analysis and accounting capabilities.
-  Previous experience in a comparable role in the financial services sector (over 3 years).

-         Fluent in English (speaking and writing).

 Soft skills:
 -  Regularly communicate information that is timely, relevant, and tailored to each audience. This includes being transparent about both positive and negative developments.
-  Ability to manage diverse work and overlapping priorities, in an efficient and pragmatic way.
-  Strong analytical skills, critical thinking, and the ability to identify problems and most importantly propose risk mitigants.
-  Process and detail orientation, rigorous.
-  Team player and good at managing relationships with Credit Risk LOD1 and also Commercial area.
-  Delivering results.

Why Ayvens?  

With over 3.4 million vehicles managed across more than 42 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.

At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.

Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed. Follow our page for the latest updates, news, and insights.

*ALD Automotive | LeasePlan are rebranding to Ayvens across all 42 countries by 2025.