Risk Analyst

Retail (SEFE Energy)

's-Hertogenbosch (Netherlands)


You will contribute to the development of the risk framework for SEFE Energy that will deliver the appropriate governance, policies, measurement, reporting and provide a robust and independent 2nd Line of De​fence point of view

About us

Are you always reaching for better? SEFE Energy is.

As a B2B energy supplier we supply thousands of organisations across the UK, France, and Netherlands with gas, electricity and sustainable energy products and services. To remain competitive, we must be agile, constantly adapting to the ever-changing energy world, driven by forces of decarbonisation, competition, digitalisation and shifting customer expectations. Our Always Reaching for Better strategy equips us to respond to changes and advancements, and quickly seize opportunities to grow and develop.

Want to join us on our journey?

We are looking for someone to join our team in the Netherlands as a Risk Analyst.

Role objectives

Working closely with the risk management teams in England you will support SEFE Energy in the Netherlands with the following activity

  • The preparation and presentation of risk assessment, involving assessment of quantitative and qualitative factors, macro & micro economic trends, and latest developments.
  • Challenge the existing credit risk processes, solve complex problems, and drive the business to adapt agilely with emerging trends in credit risk management.
  • Delivery of Risk Control Assessments (RCA’s) to evaluate and strengthen controls across the business operating model, in partnership with senior management and the managing director.
  • Propose and develop enhancement to periodic risk reporting for the benefit of senior management.
  • Contribute to the development of the risk framework for SEFE Energy that will deliver the appropriate governance, policies, measurement, reporting and provide a robust and independent 2nd Line of De​fence point of view

Duties & Responsibilities

  • Production of detailed counterparty Credit Application Requests, incorporating a detailed financial analysis and a full appraisal of all credit risk factors.
  • To ensure all credit applications processed and the associated reporting is conducted with full compliance to both Group and SEFE Energy credit policies and procedures.
  • Support the identification and assessment of operational risk incidents using the Incident Management System (IMS) to support commercial development and maintain risk oversight
  • Contribute to the development of risk control monitoring, including sourcing of data in a sustainable way and to improve data quality
  • To constantly monitor the credit risk environment and macro-economic trends.
  • Constantly review credit process, systems, and data. In particular Credit / Commercial interfaces, ensuring optimal processes are in place.
  • Manage complex projects that require coordination with external suppliers and internal departments, working autonomously to present workable results within deadlines.
  • Regular review of Credit policy and procedures– proactively identifying opportunities for mitigating credit risk (e.g. credit insurance, security) whilst allowing for managed growth.
  • Participate in meetings with Commercial teams and the customers directly, to resolve issues and identify solutions that enable credit facilities to be approved.
  • Analysis of portfolio credit reporting including potential future exposure, expected loss and Mark to Market metrics to ensure key risks and opportunities are identified.

Skills & Competencies

  • Strong analytical and organizational skills
  • Strong ability to utilise Data Sets and credit tools
  • Ability to work under pressure and adapt to a changing environment
  • Strong attention to detail
  • Ability to produce accurate reports within tight deadlines
  • Effective written and verbal communication skills (Dutch and English essential)
  • Proficient with Microsoft Office products including Excel
  • Demonstrated ability to assess complex problems and deliver solutions
  • Knowledge of coding languages (Python) – advantageous


  • Strong understanding of risk management and frameworks
  • Ability to understand and analyse financial statements and credit bureau reports (essential)
  • The initiative to propose solutions and to act independently combined with the confidence to effectively challenge the status quo.
  • Demonstrable track record of identifying areas for improvement in processes and technical solutions


  • Educated to degree level in finance, numerical or comparable subject is preferable

Our offer to you

In return we offer a competitive starting salary supported by a comprehensive benefits package which includes; bonus earning potential, non-contributory pension, 25 days holiday plus bank holidays, buy / sell holidays, life assurance, allowance for medical and dental insurance together with a range of optional flexible benefits.

Based in our office in ‘s-Hertogenbosch you can benefit from hybrid working offering the flexibility to spend some of your working week at home.

The 350 people working in our business are friendly and positive – you can approach anyone for help and your ideas are always welcome.  We’re committed to our REACH principles – Results, Expertise, Action, Challenge, Have courage – but above all else, we care for each other’s welfare and aspirations so you can expect to experience empathy and support throughout your journey with us.  We’re committed to creating an inclusive environment that embraces diversity and fosters the development of knowledge, skills, and experience, so all our people can thrive and prosper in their careers with us.  We are a place where you can be yourself and make your mark because whatever your role, you’ll find an open, welcoming atmosphere that empowers you, encourages fresh thinking, and recognises your contribution.

In the UK, our people practices have been awarded Gold status by Investors in People and we have a silver EcoVadis rating demonstrating our commitment to sustainability.

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