Senior Credit Rating Specialist
Location: London – hybrid 50%
Contract: Permanent
Hours: Full time – 35 hours
Provide expert leadership in the internal credit rating process through the development of new methodologies and models, the review of credit ratings assigned by the origination team, and the validation of ratings and methodologies used or assigned by external fund managers
Who are Just?
We help people achieve a better later life. That’s our purpose and it’s the reason we exist. We are a fast-growing company helping customers enjoy the retirement they deserve. We do this through a variety of market leading, award-winning products and services, delivered by a diverse team of over 1,400 purpose-led colleagues who genuinely put the customer at the heart of everything we do.
This is a brilliant time to join our business. We are on an exciting growth journey to become the UK’s most loved retirement expert.
- Lead the development and maintenance of internal credit rating methodologies and models for new asset classes, primarily in real estate and/or project finance.
- Assess the robustness of credit rating methodologies applied by external fund managers.
- Support the internal credit rating process by reviewing and challenging credit ratings and supporting materials prepared by the origination team.
- Contribute to internal validation activities by producing shadow ratings for assets assessed by external fund managers.
What we’re looking for
- Solid technical understanding of either the commercial real estate sector or project finance from a credit risk perspective
- Strong understanding of the credit rating process, developed through experience at a rating agency, asset manager, insurance company, or bank.
- Proven experience in credit analysis or credit ratings, developed through roles at a rating agency, asset manager, insurer, or bank.
- Practical experience assessing complex transactions, particularly in real estate or project finance, including analysis of structures and legal documentation.
- Involvement in the development or application of credit rating methodologies, including scorecard-based and qualitative frameworks; experience designing internal methodologies is an advantage.
- Hands-on experience operating internal rating models, using Excel or similar tools to apply methodologies and assign internal credit ratings.
Our behaviours
At Just you’ll have the opportunity to develop your career, whilst making a difference to the lives of those around you. You’ll be part of a company with a strong and distinctive culture - we’re ambitious, curious and collaborative – and every decision we make centres around being Just and delivering the best outcomes for our customers.
What’s in it for you
A competitive salary, pension scheme and life assurance
25 days annual leave plus an additional day on us for your birthday
Private medical cover and income protection, just in case
A generous and highly achievable bonus scheme
Opportunities to progress your career in-role and within the company
Free access to the Headspace app, 24/7 employee assistance helpline and trained physical and mental health first aiders
A variety of employee funded benefits available via our online benefits portal
Plus, several additional purchase options available for you and your loved ones
Explore our full range of benefits on our dedicated benefits page.
Belonging at Just
Valuing diversity of thought and fostering a sense of belonging is critical to our business success, driving innovation and balanced decision making. Our work on DEIB (Diversity, Equity, Inclusion and Belonging) aims to deliver a brilliant employee experience underpinned by a sense of belonging, where our people feel proud to work at Just.
We remain committed to our publicly disclosed HM Treasury Women in Finance Charter and Race at Work Charter targets and support a wide range of employee network and events, championing issues including intergenerational working, social mobility and neurodiversity.
Application details
To apply, please submit your CV through our careers website. Shortlisted candidates will be contacted regarding next steps which may include an initial phone interview and in-person assessment.
Be Bold. Be Brilliant. Be Just
Top Skills
What We Do
We are Just, the retirement specialist. We are a FTSE-listed (ticker – JUST.L) specialist UK financial services group.
We have a clear purpose - we help people achieve a better later life. We believe that every decision we make and every action we take should help us to achieve our purpose.
Just differentiates itself from other financial services brands by placing social purpose at its heart with a commitment to help the many millions of people who are facing challenges in later life.
We are keen to speak to talented individuals who are interested in joining our team [www.workatjust.co.uk]
