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.

Role summary

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 additional 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 graduates with a dynamic learning environment that can give great exposure to different areas of Credit Risk.

Our 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

• Work effectively both on your own and as part of a team and complete project work accurately and to a high standard.
• Take responsibility for your own deliveries within the scope and deadlines set.
• Work with areas of the business to identify opportunities for increasing value through the application of analysis and modelling techniques.
• Present and discuss results with stakeholders and peers.
• Proactively identify areas for improving team capability and new business.
• Undertake internal initiatives as required and get involved in other areas of internal 4most processes where possible.
• Engage in activities to encourage personal development and work on skills and abilities.
• Ensure all data is managed securely, maintained appropriately, and analysed correctly in line with Data Protection legislation and industry regulation.
• Work within the company Health and Safety policy.

Expectations and Requirements:

A Credit Risk Analyst should be:

• 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.
• Organised – Our purpose is to deliver bespoke solutions to our clients so these should be structured in a clear and methodical way.
• 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.
• Decisive – A consultant gives expert advice within a technical or professional field and so we must be able to make clear and informed choices.
• 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.
• 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.
• 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.
• Self-motivated – We are always striving to improve and so it is important that you are keen to develop both yourself and 4most alike.
• Willing to travel on an as needed basis – The role will require travel to London for initial training and may require some additional overseas trips.

Knowledge and Understanding Required (Competencies)

• 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.
• Experience – Our analysts are given responsibility to operate as a consultant and so we try to look for candidates with some relevant work experience. The type of experience we seek is for a minimum of 6 months which demonstrates how you have applied your academic knowledge in a practical environment, such as a placement year or experience in Financial Services being the most desired.
• Coding Experience – 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 SQL, but we acknowledge both R and Python as foundation coding experience too.
• Analysis – Demonstration of manipulating and analysing large datasets with customer information.
• Strong Communication Skills – Communication is key! We will need to interact internally and to external stakeholders both verbally and written so to bring results and recommendations to life. We seek prominent influencing and interpersonal skills.
• Excellent attention to detail.
• Interest/Knowledge of the regulatory environment that impacts credit risk activities and our clients.
• Passionate about the business impact of our solutions, driven by continuous improvement.

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.