AVP/DVP - Credit Analytics

ABOUT US At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.

ABOUT THE ROLE

As a Credit Analyst at OakNorth, you will play a key role in evaluating and structuring loan opportunities across a range of sectors and geographies. Reporting into the Credit team, you will produce high-quality credit analysis and financial models that directly support OakNorth's mission to back the UK's most ambitious businesses.

WHAT YOU'LL DO

• Conduct detailed analysis of loan opportunities across various sectors and geographies
• Draft concise, well-structured credit reports with clear takeaways for credit and risk teams to review
• Develop detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis and credit metrics
• Conduct sensitivity and stress-testing analysis on projections to assess loan serviceability
• Identify deal-specific covenants that can serve as early warning signals during loan monitoring
• Carry out in-depth industry and market studies to understand the operating environment of borrowers
• Interact directly with clients to discuss data gaps, inconsistencies and analytical frameworks

YOU'LL BE A GREAT FIT IF YOU HAVE…

• Strong financial analysis skills with a thorough understanding of accounting and financial concepts
• Proven ability to draft clear, compelling credit reports
• 5+ years of relevant experience in credit, lending or financial analysis
• Strong communication skills with the ability to engage confidently with Debt Directors, clients and other stakeholders
• An MBA, PGDM, CA or CFA qualification from a reputed institute

Nice to Have

• A proactive, hands-on attitude with the ability to see the big picture
• Creative thinking and the ability to succeed in a fast-paced, high-change environment
• A team-player mindset — flexible, curious, result-driven and a fast learner

WHAT WE OFFER

• Health & Protection: Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary.
• Wellbeing: Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services — all sponsored by OakNorth.
• Time Off: Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.
• Life Milestones: Financial support for important life events such as marriage, childbirth, and bereavement.
• Flexible

Benefits

Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions.

• Growth & Development: Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days.
• Our Workplace: Modern, centrally located offices, weekly business updates, team events, and great coffee. We work hard to build a culture worth showing up for.