Management Consultant - BRS CONSULTING LTD

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• WinYield

  

  Credit Analyst

  2 hours ago

  Full-time

  London

  About the job Job Title: Credit Analyst Department: Credit and Risk Location: London, Paddington Office based Hybrid or Remote: Office based (full time) Type: Permanent Job Purpose This is a core role within Winyield’s credit and risk function, responsible for the assessment, monitoring, and governance of both consumer and business lending exposures. The Credit Analyst will play a central role in designing and operating disciplined underwriting processes, maintaining robust credit policies, and supporting the responsible scaling of Winyield’s lending activities. The role requires a strong understanding of UK consumer credit standards alongside experience assessing small business and SME credit risk. The Credit Analyst will work closely with senior management, operations, product, and technology teams to ensure credit decisions are consistent, well-documented, and embedded into scalable systems and controls. Key Responsibilities Credit Analysis and Underwriting • Assess the underwriting rules for consumer and business credit applications using financial, behavioural, and affordability data, • Perform affordability assessments, income verification, cash flow analysis, and stress testing in line with UK responsible lending standards, • Apply and continuously refine credit policies, decision frameworks, and eligibility criteria, • Produce clear, consistent, and well-documented credit rationales suitable for internal review, audit, and regulatory scrutiny Automation, Data, and AI-driven Underwriting • Support the design and implementation of automated underwriting workflows for consumer and business lending, • Work with product and technology teams to translate credit policies into system-based rules, decision engines, and AI-assisted models, • Help define controls, monitoring, and explainability requirements for automated and AI-supported credit decisions, • Review model outputs, exceptions, and overrides to ensure outcomes remain consistent with policy and risk appetite Investment memo and portfolio analysis • Build investment memo on new portfolio and origination opportunities with the required loan tape analysis Policies, Governance, and Controls • Maintain and update credit policies, underwriting manuals, and procedural documentation, • Ensure strong governance around credit decisioning, overrides, and exceptions, • Support internal reviews, audits, and information requests with accurate and complete documentation, • Contribute to the ongoing development of compliant customer journeys from a credit risk perspective Cross-functional Collaboration • Work closely with operations and collections teams to ensure alignment between underwriting assumptions and real-world outcomes, • Support senior management with credit reporting, portfolio analysis, and ad-hoc risk assessments, • Contribute to strategic initiatives aimed at scaling WinYield’s lending platform in a controlled and compliant manner Requirements • Minimum 4 years of experience in credit analysis, underwriting, or credit risk, • Demonstrable experience with UK consumer and SME credit, including affordability assessments and responsible lending principles, • Strong understanding of credit governance, documentation standards, and auditability, • Exposure to automated or AI-supported underwriting systems, • Strong analytical skills and attention to detail, with sound credit judgement, • Comfortable working with data, codes, and internal risk dashboards What We Offer • Competitive compensation, • The opportunity to play a foundational role in a fast growing lending fintech company., • Close collaboration with senior leadership and influence over credit strategy and framework design, • A high-accountability, intellectually rigorous working environment based in London How to Apply Submit an application by 31 January 2026

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• BDO UK

  

  Financial Services Advisory Prudential Manager/Senior Manager

  3 days ago

  LONDON

  Ideas | People | Trust We are BDO. An accountancy and business advisory firm, providing the advice and solutions entrepreneurial organisations need to navigate today’s changing world. We work with the companies that are Britain’s economic engine – ambitious, entrepreneurially-spirited and high‑growth businesses that fuel the economy - and directly advise the owners and management teams that lead them. We will broaden your horizons Our Advisory team provide a wide variety of services that deliver value-led advice and outcomes. They have an in-depth knowledge of business, industry sectors and markets and understand the constantly changing risks and opportunities at the heart of affairs. The team work across strategy, operations and improvement as well as at a transactional and defined project level. From technology to risk advisory, they’re experts in following through on top-level instructions and resolving the finer details – all in one straight-forward package. When you join them, you’ll work on some of the world's most exciting financial operations and business deals, building your experience and expertise alongside the brightest minds in the industry We will help you succeed Leading organisations trust us because of the quality of our advice. That quality grows from a thorough understanding of their business, and that understanding comes from working closely with them and building long-lasting relationships. You will be someone who is both comfortable working proactively and managing your own tasks, as well as confident collaborating with others and communicating regularly with senior executives, directors, and BDO’s partners to help our clients achieve their objectives. You will be encouraged to identify and draw attention to opportunities for enhancing our delivery and providing additional services to organisations we work with. Overview This role is within the Prudential & Authorisations Team (“P&A Team”) where you will focus on prudential risk management (e.g. capital, liquidity, recovery planning, and solvent wind-down planning) for financial institutions in particular banks and building societies. Key areas of focus are ICAAP/ILAAP, Recovery Planning, Basel 3.1, ESG, strong and simple regime, resolution planning and capital optimisation. Nevertheless, there will also be an opportunity to also work across other types of firms such as investment and payment service firms. Our portfolio is growing and the role provides great potential for longer-term career progression for the right candidate in this rapidly developing advisor area of BDO’s service offering. We are looking for someone with: • In-depth prudential regulatory experience gained in the industry, consulting or as a regulator (or combination thereof);, • Strong technical knowledge of UK prudential regulation; ideally both capital, liquidity and recovery planning;, • Strong project management skills with track-record of delivering complex projects;, • Strong communication and report writing skills; the candidate will also be a confident speaker to deliver effective training sessions and webinars both to client/colleagues;, • An excellent understanding of the EU and UK financial services legislation, including the UK CRR, CRD, and familiarity with the Prudential Regulation Authority’s Rulebook and the Financial Conduct Authority’s Handbook; Mutual support and respect is one of BDO’s core values and we’re proud of our distinctive, people-centred culture. We value diversity and you will be able to be yourself; we recognise and value you for who you are and celebrate and reward your contributions to the business. We are committed to agile working, and we offer every colleague the opportunity to work in ways that suit you, the team, and the specific task at hand. At BDO, we will help you achieve your personal goals and career ambitions, and we have programmes, resources, and frameworks that provide clarity and structure around career development. We are in it together! We are looking forward to the future At BDO, we help entrepreneurial businesses to succeed, fuelling the UK economy. Our success is powered by our people, which is why we are always finding new ways to invest in you. Across the UK thousands of unique minds continue to come together to help companies we work with to achieve their ambitions We have a clear purpose, and we are confident in our future, because adapt and evolve to build on our strengths, ensuring we continue to find the right combination of global reach, integrity and expertise. We shape the future together with openness and clarity, because we believe in empowering people to think creatively about how we can do things better.

• Boston Consulting Group

  

  Senior Manager - BCG Vantage, Credit Risk

  5 days ago

  London

  As a Senior Manager – BCG Vantage on our Topic Activation path within BCG's Risk & Compliance (R&C) Practice Area (PA), you will deliver against client and commercial priorities for Credit Risk Management ('Topic'). As a Senior Manager – BCG Vantage, you will engage with case teams & clients bas

• Gedu Global

  

  Project Accountant and Cost control

  3 days ago

  London

  Position Summary: We are seeking a detail-oriented and proactive Project Accountant with strong expertise in cost optimization and procurement to join our finance team. The ideal candidate will oversee financial aspects of projects, ensuring efficient budget management, project cost tracking and variance analysis, vendor cost control . Key Responsibilities: Project Accounting: • Manage and maintain accurate budgets and cost tracking for Projects., • Prepare monthly project financial reports, including variance analysis against budgets. Coordinate with project managers, business and finance teams., • Monitor project expenditures, ensuring compliance with company policies and project budgets., • Lead the Project Budget and forecasts across entities., • Prepare Project Dashboards Proactively. Provide financial insights and recommendations to improve project efficiency and cost savings on projects., • Work on Project Module in Unit 4, test and help in rollout., • Proactive in setting up new processes., • Set up reporting and analysis as required and suggest improvements and cost control., • Assist in approvals by checking budgets , liaise with FP&A team., • Bachelor’s degree in Accounting, Finance, Business Administration, or related field., • Professional accounting certification (CPA, ACCA, CMA) preferred., • Minimum 5 years of experience in project accounting., • Strong understanding of cost optimization techniques and best practices., • Proficiency in accounting software (e.g., SAP, Oracle, QuickBooks) and MS Office suite, especially Excel., • Excellent analytical, negotiation, and communication skills., • Detail-oriented with strong numerical accuracy., • Integrity and confidentiality in handling financial data., • Strategic thinking and problem-solving., • Time management and ability to handle multiple projects simultaneously., • Work collaboratively with all stakeholders to achieve goals., • Influencing skills.

• Lloyd's

  

  Delegated Authority (Contractor) Financial Risk

  23 hours ago

  London

  Lloyd's is the world's leading insurance and reinsurance marketplace. We share the collective intelligence and risk sharing expertise of the market's brightest minds , working together for a braver world. Our role is to inspire courage, so tomorrow's progress isn't limited by today's risks. Our shared values: we are brave; we are stronger together; we do the right thing; guide what we do and how we act. If you share our values and our passion to build a future that's more sustainable, resilient and inclusive, you'll find a home at Lloyd's - build a braver future with us. Lloyd's are recruiting for a Delegated Authority Contractor on a 3 Months basis on a day rate. All roles within Lloyd's have an integral part to play in the achievement of the Strategy: Lloyd's becoming a brand that is globally admired and recognised and respected for its reputation as the world's specialist centre for (re)insurance. Lloyd's will be known around the world for its integrity and will be a place where talented, diverse and socially responsible employees feel proud to work. Risk & Regulatory is critical to Lloyd's achieving its long term aims by ensuring risks to the strategy are effectively identified, assessed and managed within risk appetites set by the Council. Skills, Knowledge and Experience Proven underwriting background within the Lloyd's market, with direct experience of writing and overseeing Delegated Authority business, including broker facilities, binders, coverholders and TPAs. Practical understanding of how delegated underwriting operates, with the ability to assess oversight effectiveness from a practitioner perspective. Demonstrable knowledge of Lloyd's Principles-Based Oversight (PBO) framework and how it applies to Delegated Authority business. Experience operating at a senior level within underwriting, underwriting management, DA governance or assurance functions in a Lloyd's context. Ability to evaluate governance, control frameworks and risk management through a second line / assurance lens while grounded in real underwriting practice. Analytical capability, including review of underwriting MI, wider business outputs and performance measures to form evidence-based conclusions. Excellent written and verbal communication skills, with experience delivering clear, professional assurance reporting to senior stakeholders. Able to work as part of a team, apply sound judgement and deliver high-quality outputs within tight timelines. Diversity and inclusion are a focus for us - Lloyd's aim is to build a diverse, inclusive environment that reflects the global markets we work in. One where everyone is treated with dignity and respect to achieve their full potential. In practice, this means we are positive and inclusive about making workplace adjustments,we offer regular health and wellbeing programmes, diversity and inclusion training, employee networks, mentoring and volunteering opportunities as well as investment into your professional development. You can read more about diversity and inclusion on our website . We understand that our work/life balance is important to us all and that a hybrid of working from the office and home can offer a great level of flexibility. Flexible working forms part of a total reward approach which offers a host of other benefits over and above the standard offering (generous pension, healthcare, wellbeing etc). These include financial support for training, education & development, a benefit allowance (to spend on our flexible benefits such as gym membership, dental insurance, extra holiday or to partake in our cycle to work scheme), employee recognition scheme and various employee discount schemes. By choosing Lloyd's, you'll be part of a team that brings together the best minds in the industry, and together with our underwriters and brokers, we create innovative, responsive solutions allowing us to share risk and solve complex problems. Should you require any additional support with your application, or any adjustments, please click the following link; Please note, clicking on this link does not register your application for the vacancy

• Pinsent Masons

  

  Financial Regulation Non-contentious Associate or Senior Associate

  2 days ago

  London

  Financial Regulation Non-Contentious Associate or Senior Associate (4 + years PQE) - London / Edinburgh Brief We are seeking a highly motivated and skilled Financial Regulation Associate or Senior Associate to join our forward-thinking and innovative Regulation, Insurance and Funds team (RIF) in London. At a time of enormous change in the financial services sector we are looking for an individual who wants to be at the cutting edge and who will help shape the future of legal services in the sector. The ideal candidate will have experience of advising investment firms on FCA rules and guidance and drafting common client documentation as well as having experience of the latest regulatory proposals for digital currencies and assets. They will be encouraged and motivated to work with the latest digital propositions to deliver legal services blending that with the more traditional trusted adviser approach. The ideal candidate will be a lawyer who is at least 4 years PQE at another law firm, in-house or at the FCA and looking to take the next step in their career. About Pinsent Masons and the RIF Team Pinsent Masons is a leading international law firm with a track record of providing innovative legal solutions across various sectors including financial services and technology. RIF brings together specialist practitioners in the regulation of insurance, wealth and investment management, funds, payments and banking products. The Team has close working relationship with other specialists in the Financial Services sector, seeking to maximize cross selling opportunities with colleagues based in our other offices in particular Edinburgh, Glasgow, Dublin, Luxembourg and Dubai. Our current team of financial services regulatory lawyers provides regulatory advice to financial institutions and other businesses including banks, investment managers, wealth managers, building societies, life and non-life insurance companies, trading platforms, stockbrokers, corporate financiers, intermediaries (including networks), payment services firms, specialist lenders, custodians and pension houses. Key clients include: • Aberdeen, • Aegon UK PLC, • Aviva, • Close Brothers, • HSBC, • Lloyds Banking Group, • NatWest, • Phoenix Group, • Post Office Limited, • Royal London Group, • Tesco Bank We encourage our fee earners to be hands on and take the initiative, providing an appropriate level of support so they are stretched but not out of their depth. Key responsibilities would include: • Advising clients on various aspects of their business operations within the financial regulatory, fintech and financial services sector., • Providing comprehensive support throughout regulatory journeys including FCA applications, variations of permission or changes in control, • Drafting key customer documentation for different products and services from ISAs to Model B arrangements to investment management agreements., • Providing technical regulatory input to the Funds sub-team on UCITS and AIFs, • Offering expert guidance on the issuance of digital assets, payments, and related regulatory and compliance issues., • Navigating the ever-changing regulatory landscape engaging directly with clients to inform and implement such changes., • Providing strategic legal advice to banks, insurance companies, investment firms and payments firms., • Mentoring junior members of the team, • Assisting with business development ranging from writing articles to attending client events The ideal candidate will be academically strong and a team player. They will become a major integral part of the Team and will have experience of advising on most of the following: • the Financial Services and Markets Act 2000 and associated secondary legislation, • the Payment Services Regulations 2017 and the Electronic Money Regulations 2011;, • cryptoassets, stablecoins and the use of distributed ledger technology in payments;, • whether our clients are carrying on regulated activities in the UK or internationally;, • how our clients can become authorised and deal with changes to their regulatory position;, • how our clients can communicate financial promotions and distribute products and services;, • dealing with fast-paced regulatory change;, • the interpretation of the FCA and PRA's rules (including the various Conduct of Business rulebooks; Supervision; Senior Management Arrangements, Systems & Controls; Capital requirements; and Client Money and Custody rules);, • the acquisition or disposal of FCA/PRA regulated firms and the scope of the controllers regime;, • drafting terms of business for a range of investment products and services; Pinsent Masons is proud to be consistently recognized as a leading international law firm. Recently, we have been awarded for innovation and client excellence at the European Legal Innovation & Technology Awards 2025 and named Best Law Firm Advisory Team for ESG Regulatory and Compliance at the Legal 500 ESG Awards 2025 . We also hold the Stonewall Gold Award for Workplace Equality and rank among the Top 75 Employers for Social Mobility in the UK. Our commitment to flexibility and inclusion is reflected in our continued position as one of the Top 10 Employers for Working Families. Previous accolades include being named Europe's Most Innovative Law Firm by the Financial Times and Global Construction Law Firm of the Year by Who's Who Legal . These achievements highlight our dedication to creating an innovative, inclusive, and supportive environment for our people. For a full list of global awards and nominations, visit . Please note we only accept applications made via our recruitment portal. Should you require further details, please contact our in-house Lateral Recruitment Advisor Steffy Lam who can discuss the role and requirements. Contact details: At Pinsent Masons we value diversity and inclusion. We are committed to creating a better workplace where all our talent can succeed and feel like they belong. We want to attract, retain and develop people at all levels and encourage applications from all suitably qualified candidates whatever your ethnicity, religion, age, physical or mental disability/ long term condition, sexual orientation, gender identity or expression or any other characteristics protected by local law in the jurisdictions in which we operate. #LI-LRSL

• Lloyd's

  

  Manager, Financial Risk (Syndicate Capability Risk)

  23 hours ago

  London

  Lloyd's is the world's leading insurance and reinsurance marketplace. We share the collective intelligence and risk sharing expertise of the market's brightest minds , working together for a braver world. Our role is to inspire courage, so tomorrow's progress isn't limited by today's risks. Our shared values: we are brave; we are stronger together; we do the right thing; guide what we do and how we act. If you share our values and our passion to build a future that's more sustainable, resilient and inclusive, you'll find a home at Lloyd's - build a braver future with us. Lloyd's are seeking to recruit a Manager, Financial Risk (Syndicate Capability Risk). You will deliver independent second-line assurance over Lloyd's Principles Based Oversight framework, providing high-quality reviews, analysis and insight into how first-line oversight activities manage risk and achieve regulatory objectives. The role will support the Senior Manager in delivering the PBO assurance plan, preparing risk opinions, engaging with governance processes, and contributing to capability building across the team Principal Accountabilities Assurance Delivery • Lead and deliver assurance reviews of PBO principles, controls and oversight practices., • Execute thematic reviews in line with the multi-year assurance plan., • Assess oversight design and effectiveness and articulate findings clearly., • Support development of formal Risk Opinions on material changes to the Oversight Framework., • Track remediation actions and support closure of findings Risk Analysis & Insight, • Analyse risk to identify patterns, weaknesses and emerging risks in oversight., • Contribute to the formal risk assessment of the annual Market Oversight Plan., • Draft sections of governance papers, assurance reports and committee materials., • Support synthesis of review outcomes into forward-looking risk insight. Stakeholder Engagement, • Engage professionally with first-line teams and oversight functions., • Act as a credible and constructive challenger to oversight owners., • Build working relationships across first- and second-line teams., • Support the Senior Manager in interactions with governance committees as required. Continuous Improvement, • Contribute to development of assurance methodology, templates and standards., • Support improvements to oversight effectiveness through practical recommendations, • Promote strong documentation, reporting and quality assurance discipline within the team. Skills Knowledge and Experience Experience in Risk management, internal audit, assurance or regulatory oversight. Experience in Operating model reviews, governance frameworks or control environments. Demonstrable experience of, Designing and delivering assurance programmes. Producing senior-level reporting and risk opinions. Financial services risk frameworks experience. Principles-based regulation and supervision models experience. Track Record within Governance and oversight structures. Insurance, reinsurance or London Market experience. Experience within Regulatory or supervisory environments. Experience of a principles based approach. Written communication skills; able to articulate complex judgement clearly and concisely. Proven ability to operate independently, prioritise effectively and manage ambiguity. Professional qualifications (e.g. actuarial, risk, audit, accounting, legal) or equivalent experience. Diversity and inclusion are a focus for us - Lloyd's aim is to build a diverse, inclusive environment that reflects the global markets we work in. One where everyone is treated with dignity and respect to achieve their full potential. In practice, this means we are positive and inclusive about making workplace adjustments,we offer regular health and wellbeing programmes, diversity and inclusion training, employee networks, mentoring and volunteering opportunities as well as investment into your professional development. You can read more about diversity and inclusion on our website . We understand that our work/life balance is important to us all and that a hybrid of working from the office and home can offer a great level of flexibility. Flexible working forms part of a total reward approach which offers a host of other benefits over and above the standard offering (generous pension, healthcare, wellbeing etc). These include financial support for training, education & development, a benefit allowance (to spend on our flexible benefits such as gym membership, dental insurance, extra holiday or to partake in our cycle to work scheme), employee recognition scheme and various employee discount schemes. By choosing Lloyd's, you'll be part of a team that brings together the best minds in the industry, and together with our underwriters and brokers, we create innovative, responsive solutions allowing us to share risk and solve complex problems. Should you require any additional support with your application, or any adjustments, please click the following link; Please note, clicking on this link does not register your application for the vacancy

• Lloyd's

  

  Senior Manager, Financial Risk (Syndicate Capability Risk)

  23 hours ago

  London

  Lloyd's is the world's leading insurance and reinsurance marketplace. We share the collective intelligence and risk sharing expertise of the market's brightest minds , working together for a braver world. Our role is to inspire courage, so tomorrow's progress isn't limited by today's risks. Our shared values: we are brave; we are stronger together; we do the right thing; guide what we do and how we act. If you share our values and our passion to build a future that's more sustainable, resilient and inclusive, you'll find a home at Lloyd's - build a braver future with us. Lloyd's are seeking to recruit a Senior Manager, Financial Risk (Syndicate Capability Risk. The role is responsible for shaping and delivering assurance over market oversight, providing insight and influence to governance forums, and supporting senior risk leadership in maintaining an effective and forward-looking view of the oversight framework. This role acts as a key authority on PBO assurance and is instrumental in embedding Risk Management approach of proactive influence. You will provide senior leadership and independent second-line assurance over Lloyd's Principles Based Oversight (PBO) framework, ensuring first-line oversight activities are effective, well-designed, and operating in line with Lloyd's oversight objectives and Oversight Philosophy. Principal Accountabilities Assurance & Oversight Delivery • Provide a formal risk assessment of the annual Market Oversight Plan, including the mapping of key risks (via ORSA and other risk sources) to planned oversight activity, • Oversee follow-up and tracking of management actions arising from reviews, ensuring issues are resolved in a timely and sustainable manner. Governance & Risk Support, • Provide a proactive and forward-looking view of matters coming through governance, identifying emerging risks and control themes., • Engage actively with items expected to be tabled at committees, ensuring strong risk insight is embedded early., • Act as a second-line risk advisor to senior stakeholders on oversight design and effectiveness. Insight Influence & Risk Profile, • Lead synthesis of assurance findings into clear, senior-level insight on systemic oversight issues and themes., • Contribute to development of Lloyd's risk profile by identifying market-wide patterns, trends and root causes., • Influence the evolution of first-line oversight by providing constructive challenge and evidence-based recommendations., • Act as a trusted advisor to oversight leaders, supporting continuous improvement rather than compliance-driven activity. Leadership & Capability • Act as a senior leader within the team, helping establish vision, culture, and standards of quality, • Coach and develop team members, fostering strong judgement, critical thinking and assurance capability., • Champion professional standards in assurance, governance and oversight., • Help design scalable oversight and assurance approaches as the team matures.Skills Knowledge and Experience Extensive experience in, Risk management, internal audit, assurance or regulatory oversight. Operating model reviews, governance frameworks or control environments experience. Demonstrable experience of Designing and delivering assurance programmes. Experience of Producing senior-level reporting and risk opinions. Track Record of Influencing senior stakeholders without direct authority. Understanding of Financial services risk frameworks and principles-based regulation and supervision models. Experience of Governance and oversight structures. Knowledge of Risk Management Understanding of a principles-based approach experience. Insurance, reinsurance or London Market experience. Enterprise risk or control frameworks experience Regulatory or supervisory environment background Written communication skills; able to articulate complex judgement clearly and concisely. Proven ability to operate independently, prioritise effectively and manage ambiguity. Professional qualification (e.g. actuarial, risk, audit, accounting, legal) or equivalent experience. Diversity and inclusion are a focus for us - Lloyd's aim is to build a diverse, inclusive environment that reflects the global markets we work in. One where everyone is treated with dignity and respect to achieve their full potential. In practice, this means we are positive and inclusive about making workplace adjustments,we offer regular health and wellbeing programmes, diversity and inclusion training, employee networks, mentoring and volunteering opportunities as well as investment into your professional development. You can read more about diversity and inclusion on our website . We understand that our work/life balance is important to us all and that a hybrid of working from the office and home can offer a great level of flexibility. Flexible working forms part of a total reward approach which offers a host of other benefits over and above the standard offering (generous pension, healthcare, wellbeing etc). These include financial support for training, education & development, a benefit allowance (to spend on our flexible benefits such as gym membership, dental insurance, extra holiday or to partake in our cycle to work scheme), employee recognition scheme and various employee discount schemes. By choosing Lloyd's, you'll be part of a team that brings together the best minds in the industry, and together with our underwriters and brokers, we create innovative, responsive solutions allowing us to share risk and solve complex problems. Should you require any additional support with your application, or any adjustments, please click the following link; Please note, clicking on this link does not register your application for the vacancy