OverviewNew Leaf Search has partnered with a leading European financial services group in its search for a Risk Manager Flow.Key AccountabilitiesAnalyse credit data and financial statements to determine risk in extending credit across all business channels, including sales-aid leasing/flow business.Interpret and evaluate internal and external reports, undertaking due diligence meetings to clarify credit and collections information as required.Generate and assess financial ratios and benchmarking data to evaluate customer financial status and industry standing.Conduct collateral curve analysis in line with market, sector, and portfolio considerations.Prepare comprehensive risk reports with clear recommendations for credit decisions.Ensure compliance with regulatory and industry guidelines, including consumer credit, AML, and data protection.Review existing transactions to evaluate payment history, purchase activity, and collateral analysis, recommending renewals or adjustments as needed.Monitor delinquent accounts in conjunction with Collections and mitigate potential risks.Maintain risk systems and ensure the accuracy of all portfolio data.Verify that transactions comply with sanctioned credit limits and conditions before pay-out.Attend screening meetings to provide preliminary risk commentary and coordinate credit processes with the front office.Recommend improvements to systems, processes, and practices to enhance efficiency and capacity.Engage in ongoing personal development to support business and personal objectives.Person SpecificationMinimum 2 years’ credit experience, ideally analysing financial statements across multiple industries.Strong analytical and commercial judgement, with a good understanding of the asset finance industry and product types.Confident in assessing unsecured and small ticket transactions.Effective communicator, both verbally and in writing, with strong interpersonal and stakeholder skills.Solid grounding in credit analysis and underwriting, with experience in structured or cash flow lending beneficial.Proficient in Microsoft Word and Excel.Professional, organised, self-disciplined, and a strong team player.We strongly favour applicants with proven, relevant experience in Financial Services, particularly Asset Finance and Leasing.You will also require relevantin-country experience; without which, your application willnot be considered. #J-18808-Ljbffr