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The main responsibility of the Credit Analyst is the execution of the necessary risk assessment appropriate to each customer and credit application type.

This includes evaluation of financial data, such as balance sheets and income statements to determine the level of default risk, including the calculation of financial ratios, interpreting results from automated decision-making and the preparation of a report to register the required audit trail.

For credit origination, the Credit Risk Analyst will perform the credit analysis, which may include KYC (Know Your Customer) elements and the update of rating or scoring, and issue a credit opinion. They are also responsible for registering new customers in risk system following the registration done by sales, if needed.

For automatic or semi-automatic decisions, the Credit Risk analyst is responsible for validating the information used for this matter.

If the credit application is within their derogation rights, as defined in the delegation letter, the Credit Risk Analyst will make the credit decision and proceed to credit authorization. If not, they will be responsible for preparing the credit file to be shared with the second line of defence for validation.

For credit review, the Credit Risk Analyst is responsible for regular rating / scoring update.

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.