FI
Fitch Group, Inc.Senior Analyst, Retail & Consumer
Senior Analyst performing credit analysis for Retail and Consumer sector at Fitch Ratings. Collaborating with teams on financial modeling and presentations.
About the role
- Analyse bank statements, management accounts and non-financial data of new and existing customers to understand cash conversion cycles, repayment capacity and overall collectability
- Identify and assess the risks involved in funding a variety of business types, including but not limited to software, professional services, healthcare, bars and events
- Lead and support customer calls to validate trading activity, reconcile deposits against reported revenue and evaluate the sustainability of sales growth, margins and cashflow
- Work closely with Credit Strategy and Product teams to refine lending frameworks, scoring models and credit policies that drive sound decision-making across industries
- Collaborate with our Sales and Operations teams to understand how customers are acquired and onboarded, and how we build long-term funding relationships
- Learn about our loan portfolio and risk management approach, including how we monitor performance, detect early warning signals and exit high-risk positions
- Work cross-functionally with product, data, engineering and commercial teams on high-impact projects that shape how we underwrite, fund and support businesses globally
Requirements
- 3+ years of relevant experience in one or more of the following:
- Commercial lending, underwriting, or credit risk within a bank, fintech, or fund
- Portfolio management or structured credit experience (e.g., secured lending, RCFs, revenue-based financing)
- Strong understanding of financial statements and credit analysis (P&L, balance sheet, cashflow)
- Comfort leading regular internal and external (client-facing) meetings and presenting findings and recommendations to senior stakeholders
- CPA, CFA, or equivalent accounting/finance qualification (or currently pursuing one)
- Exposure working with global teams
- Experience in data-driven underwriting or fintech environments
Benefits
- 25 days of paid annual leave
- private healthcare
- life insurance
- critical illness cover
- generous parental and adoptive leave, including 6 months of paid leave for Primary Caregivers and 3 months of paid leave for Secondary Caregivers
- equity scheme
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
No Education Requirement
Location requirements
FI
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