Senior Credit Risk Analyst

Retail (SEFE Energy)



A great opportunity for an experienced Credit Risk Analyst to join our team and support the operation and development of credit risk management activities.

The Role

Are you a Credit Risk Analyst with experience developing and operating credit risk strategy and activities in line with changing market conditions?

Can you challenge existing credit risk processes, solve complex problems, and drive adaptability with emerging credit risk management trends?

As a B2B energy supplier SEFE Energy supplies thousands of businesses across the UK, France, and Netherlands. 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 and support the operation and development of credit risk management activities for UK mid-large market.

What will you do?

Some of the key tasks include:

  • Prepare and present credit risk analysis, including counterparty Credit Application Requests and Portfolio analysis
  • Produce detailed counterparty Credit Application Requests, incorporating a detailed financial analysis and a full appraisal of all credit risk factors
  • Ensure all credit applications processed and the associated reporting is conducted with full compliance to both Group and SEFE Energy and credit policies and procedures
  • Monitor the credit risk environment and macro-economic trends
  • Constantly review credit processes, systems, and data. Credit / Commercial interfaces, ensuring optimal processes are in place.
  • Manage complex projects related to credit risk, working with external suppliers and internal departments
  • Review SEFE Energy Credit policy – proactively identifying opportunities for mitigating credit risk whilst allowing for managed growth
  • Collaborate with commercial teams and customers, to resolve issues and identify solutions that enable credit facilities to be approved
  • Analyse portfolio credit reporting including potential future exposure, expected loss and Mark to Market metrics to ensure key risks and opportunities are identified

What you will bring

You’ll have significant experience in a role focusing on credit risk/financial analysis, and a strong understanding of credit risk management practices, policies, and frameworks

A driven self-starter you will grasp concepts quickly and deliver a reasoned investigation and analysis. You will also demonstrate the following

  • Strong analytical and organizational skills, excellent attention to detail and deliver a high level of accuracy in everything you do
  • Excellent interpersonal skills, able to deal effectively with queries and build relationships with internal and external parties
  • Strong written and verbal communication skills, able to communicate complex issues to non-expert peers and senior management
  • The initiative to propose solutions and act independently, as well as the confidence to effectively challenge the status quo
  • Ability to prioritise conflicting activities and deliver results under pressure
  • Proven ability to assess complex problems and deliver solutions
  • Proficient in Excel, data analytics / reporting / modelling experience, and knowledge of Python would be an advantage

Our offer to you

In return we offer a competitive starting salary supported by a comprehensive, and broad reaching benefits package which includes

  • bonus earning potential
  • non-contributory pension
  • 25 days holiday plus bank holidays and volunteering days
  • buy / sell holidays
  • life assurance
  • medical and dental insurance
  • range of optional flexible benefits


Based at our offices in Manchester City Centre or London, you can benefit from hybrid working offering the flexibility to spend some of your working week at home.

We are committed to supporting your career growth with opportunities to develop both your knowledge and experience through a blended approach to learning.

Who are we?

We are part of the SEFE Group – led by SEFE Securing Energy for Europe GmbH in Berlin – which employs approximately 1,500 employees. The 350 people working in SEFE Energy 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 and above all offer support as your career develops.

Our focus for 2022 – 2025 is strategic, profitable growth and strengthening our foundations, primarily by placing data and technology at the heart of our business model.  We’re looking for people who are passionate about where we’re going and will help us thrive long into the future.

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.

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