Working at 4most

We are not your typical consultancy firm; our purpose is to redefine consulting by enabling all our people to flourish and excel. We have over 250 consultants working in credit risk, data, market risk, life insurance and general insurance, across multiple sites – London, Leeds, Edinburgh, Dublin, Amsterdam, Dubai and Bengaluru. We value every individual’s contribution to the success of the company with colleagues owning a significant share of the business, and we have ambitious plans to grow even further.

As experts in our field, we are passionate about what we do and embrace diversity; we’ve created a fun and innovative environment where technical minds flourish. Individual success is not measured by the size of your team or the hours you work, it’s the unique value you bring to the community. We want our people to think differently and challenge the status quo.

Our people are our biggest asset, having been voted the Best Company to work for at the 2023 Credit Strategy Awards, Women in Credit Employer of the Year for 2023 and Best Management Consultancy Firm MEA Finance UAE 2022, our awards speak for themselves. We reward teamwork and believe value should be shared with all who contribute.

We are passionate about what we do and making a difference, so we're taking bold steps to reduce emissions and be carbon neutral (including scope 1, 2 & 3) by 2025. As an aspiring B-Corp we want to work with people and clients who share our values.

Your future team

Credit Risk Consultants at 4most support many clients in the UK, Europe, and the Middle East. We help our clients solve their analytical challenges ranging from portfolio management, decision science and regulatory modelling under IFRS 9 and IRB. We have ambitious growth targets and the team is expanding as demand for our expertise grows.

What you'll do

You will work with other Consultants, project leads and business heads supporting our global clients from Tier 1 banks through to Fintech challenger banks and startups. You will work on tasks with the support from your project or workstream lead and share the results of your work with clients.

• Developing credit risk models, used for regulatory and business purposes with particular focus on IRB and IFRS9.
• Validating and challenging these models on areas such as model design, model performance and model implementation.
• Stress testing exercises, ranging from operational execution to model development and validation.
• Processing large credit risk datasets and assessing or improving data quality.
• Integration of ESG across data, models (IRB, IFRS 9, stress testing) and risk processes.
• Interpretation and implementation of regulatory requirements and supervisory expectations.
• Remediation of supervisory findings (ECB/DNB).
• Presenting and discussing results with senior management.
• Ad-hoc assistance on business development activities, e.g. client events / roundtables, client meetings, workshops, pitching, drafting proposals and creating marketing material.

Your background

• 2-4 years' experience in analytics or data science within Financial Services.
• Experience in Corporate Model Development or Validation.
• You are experienced with data wrangling and analysing data using Python, SAS, SQL or R.
• Hands on experience working of Probability of Default (PD) / Loss Given Default (LGD) / Exposure at Default (EAD) / Internal Ratings Based (IRB) / Stress Testing.
• Knowledge of Credit Risk & Financial Services Regulation – such as IFRS 9, IRB, Basel III.
• You are a strong communicator both verbally and written, with the ability able to break down complex topics into simple solutions and ideas.
• Knowledge of PRA and EBA regulations advantageous.
• Experience in Data and Modelling MI / reporting advantageous.

Benefits 

Salary dependant on experience plus:

• 33 days' holiday (including national and public holidays),
• Discretionary bonus,
• 50% sponsorship towards relevant courses,
• Private health insurance,
• Life Assurance,
• Employee's provident fund.