Senior Risk Operations Analyst

At Ayvens, progress starts with you.

Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.

The Risk and Compliance function plays a critical role in supporting sustainable business growth while ensuring compliance with UK regulation and Group standards.

We are looking for a Senior Risk Operations Analyst to join our team, combining hands‑on decision‑making with subject‑matter expertise across onboarding, credit and customer due diligence.

You will assess and make decisions on customer onboarding and lending applications within delegated authority, ensuring all activity aligns with policy, regulation and risk appetite. As a subject‑matter expert, you will support quality, governance and continuous improvement while helping to develop team capability and maintain strong operational controls.

The key responsibilities of the role are as follows

• Assess and make decisions on onboarding and lending applications within delegated authority.
• Act as a subject‑matter expert across credit and/or Customer Due Diligence, ensuring regulatory and policy standards are met.
• Analyse customer documentation, financial data and structures to assess risk.
• Carry out customer due diligence across onboarding, remediation and periodic reviews.
• Produce clear, accurate and auditable decision records.
• Escalate complex or high‑risk cases to the appropriate teams in a timely manner.
• Deliver against performance, quality and service level targets.
• Continuously review and improve operational processes and standard operating procedures.
• Support change initiatives and process improvements to enhance the customer journey.
• Manage workflow and prioritisation to ensure efficient team performance.
• Build strong relationships across Risk, Compliance and wider business teams.
• Deputise for the team manager where required.
• Support coaching and development of colleagues to improve capability and consistency.

Skills and experience required

• Experience in credit risk, onboarding or Customer Due Diligence within financial services.
• Strong financial analysis and understanding of complex customer structures.
• Experience working within a regulated, risk‑focused environment.
• Knowledge of governance, controls and audit requirements.
• Ability to interpret data and use it to support decision‑making.
• Knowledge of UK financial services regulation.
• Experience using underwriting or risk systems is advantageous.

What we offer

Rewards & Financial Benefits

Competitive pension scheme, Annual salary review and bonus scheme,

Give As You Earn (GAYE) scheme, Employee referral scheme (£1,000), Retail discounts programme, GymFlex membership options, Cycle to Work scheme

Health & Wellbeing

Life Assurance, Health assessment options, Travel insurance, Dental insurance, Critical illness cover, Personal accident insurance.

Time Off & Work–Life Balance

25 days’ annual leave + an additional Celebration Day, 37.5 hour week, Monday to Friday, no weekends, Holiday buy & sell scheme, Volunteer days , Time allocated for personal development, Study support (where applicable).

Workplace & On‑Site Facilities

Free parking, EV charging points, Bike storage & shower facilities, Complimentary breakfast, Staff and social events

Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified. At Ayvens we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited by this, or any role at Ayvens but your experience doesn’t exactly align, we would encourage you to apply regardless! What’s the worst that can happen?!

Why Ayvens?  

With over 3.4 million vehicles managed across more than 42 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.

At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.

Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed. Follow our page for the latest updates, news, and insights.

*ALD Automotive | LeasePlan are rebranding to Ayvens across all 42 countries by 2025.