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, 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.

Role description

A credit risk analyst at 4most is expected to function as a full-time consultant, this includes being placed on projects for external clients and supporting the business by organising and delivering internal work. To bridge the gap to consulting life we ensure that we provide ongoing training and support.

An experienced 4most consultant will lead and oversee each project and manage the day-to-day activity and delivery. Projects vary in content, client, location, and size, this provides our analysts with a dynamic learning environment that can give great exposure to different areas of Credit Risk. Analysts gain experience and knowledge by working as part of a coordinated and resourceful team and taking part in tailored training. This allows all our consultants to drive their own development.

Key responsibilities

1. Work effectively both on your own and as part of a team and complete project work accurately and to a high standard.

2. Take responsibility for your own deliveries within the scope and deadlines set.

3. Work with areas of the business to identify opportunities for increasing value through the application of analysis and modelling techniques.

4. Present and discuss results with stakeholders and peers.

5. Proactively identify areas for improving team capability and new business.

6. Undertake internal initiatives as required and get involved in other areas of internal 4most processes where possible.

7. Engage in activities to encourage personal development and work on skills and abilities.

8. Ensure all data is managed securely, maintained appropriately and analysed correctly in line with Data Protection legislation and industry regulation.

9. Work within the company Health and Safety policy.

You can be based in London or Leeds depending on your preferences.

Requirements

A Credit Risk Analyst should be…

1. Analytical – Our roles require a great deal of problem-solving and so we need to be able to think of solutions given the resources and data that we have.

2. Organised – Our purpose is to deliver bespoke solutions to our clients so these should be structured in a clear and methodical way.

3. Flexible – Client satisfaction is crucial. We should adapt to our clients’ needs and this may require a change in our method, implementation or even structure.

4. Decisive – A consultant gives expert advice within a technical or professional field and so we must be able to make clear and informed choices.

5. Supportive – 4most benefits from having a variety of individuals but we must collaborate effectively to reach our goals, therefore, we expect 4mosters to be inclusive, compassionate and helpful.

6. Honest – We do not always know the answer, but we will find it! We expect consultants to be transparent in their approach and demonstrate integrity.

7. Enthusiastic – A strong passion for finding smart and valuable solutions whilst working collaboratively with peers ensures that we can deliver high quality products to our clients.

8. Self-motivated – We are always striving to improve and so it is important that you are keen to develop both yourself and 4most alike.

9. Willing to travel – This role actively supports client companies, typically on their sites, which may be based in London, other parts of the UK, or overseas.

Required knowledge and competencies

1. Academic – As our solutions require a strong base of analysis, we ask for candidates to apply with a discipline grounded with quantitative aspects and strong statistical content.

2. Experience – Our analysts are given responsibility to operate as a consultant and so we require relevant work experience. We look for a minimum of 6 months within a related role, project, internship, or Industrial Placement year. Experience within the financial services is desired.

3. Coding – The solutions we build will mostly require use of analysis packages and so experience and demonstration of a coding ability is crucial. We look for SAS or Python, but we acknowledge both R and SQL as foundation coding experience too.

4. Analysis – Demonstration of manipulating and analysing large datasets to draw out insights, preferably around customer information.

5. Strong communication – We will need to interact internally and to external stakeholders both verbally and written to bring results and recommendations to life, so we seek prominent influencing and interpersonal skills.

6. Excellent attention to detail.

7. Knowledge/ awareness of local regulatory environment across areas such as IFRS9, Basel or of regulatory activity outside of the UK in areas such as TRIM or CECL.

8. Passionate about the business impact of our solutions, driven by continuous improvement.

Working hours

The role is full time, working within the standard business hours. We believe that being around other 4mosters is valuable for your integration and development, and so we expect you to be in the office three days per-week and to attend all in-person meetings to get the most benefit.

The role holder will be expected to complete their projects within timeframes set, working the hours necessary to complete the tasks.

Please note we are unable to sponsor visas for this position, either initially or at any point during employment.

What we offer

Aside from creating a flexible, welcoming and nurturing environment that allows 4mosters to develop and find their path, we also offer the following (not an exhaustive list);

• Starting salary of £34,000 (Leeds) / £36,500 (London)

• 25 days' holiday

o This is the contractual allowance; however, 4most runs a “freedom” holiday arrangement. This means that you are not permitted to buy/sell holiday days; however, you are able to take more than the contractual allowance if needed and approved

• 4most will sponsor 50% of the cost of relevant MSc and PhD correspondence courses providing they are outside working hours

• Private medical insurance

• Pension scheme: 4most will match from 4.5% to 6%.

• Juno (wellbeing platform)

o £50 per month to spend on anything to help with wellbeing (physical & mental)

o £50 per month to spend on anything fitness-specific e.g. gym membership, yoga classes, fitness equipment etc

• Mobile phone bill reimbursed (up to a maximum of £40 per month)

• Cycle to work scheme (the total value of the bike/accessories should cost no more than your monthly net pay, and is capped at a maximum of £2,500)

Diversity

4most is an equal opportunity employer. We celebrate our individuality and recognise our diversity. We are committed to continually moving forward on our journey to create a diverse, inclusive and equitable working environment for all employees.

If you require reasonable adjustments in order to access any part of the recruitment process, please get in touch with us on graduates@4-most.co.uk.