Portfolio Risk and Economic Capital Analyst

Job Description

Motability Operations is seeking a skilled Portfolio Risk and Economic Capital Analyst to join our Asset Risk Function. As a Portfolio Risk and Economic Capital Analyst, you will play a vital role in forecasting key financial risks, delivering capital requirements, and providing actionable insights for the UK’s largest fleet portfolio. This opportunity offers the chance to impact business decisions directly while working in a dynamic, supportive environment committed to continuous innovation.

Main Responsibilities of the Portfolio Risk and Economic Capital Analyst

 Portfolio Risk and Economic Capital Analyst: Key Responsibilities

As a Portfolio Risk and Economic Capital Analyst, you will:

• Lead the operational delivery of Economic Capital activities, including data, assumptions, modelling updates, and forecasts.

• Maintain a deep understanding of Motability Operations’ business model to apply Economic Capital activities across residual value, insurance, treasury, credit, operational, and climate risks.

• Benchmark external economic capital models, ensuring our capital strategies remain competitive and compliant.

• Translate complex model outputs into actionable business insights, guiding senior management in key decisions.

• Enhance data modelling processes, improve risk capture, and communicate risk insights effectively.

• Coordinate with third-party vendors to align models with business needs and outcomes.

• Oversee the Portfolio Risk activities, ensuring clear, outcome-focused communication of insights.

• Coach colleagues on economic capital concepts, building strong internal understanding and application.

• Support strategic projects and initiatives, including the transition to electric vehicles (EVs).

• Build collaborative relationships across Asset Risk and the wider business, representing Asset Risk externally with industry bodies and experts.

 Why Join Motability Operations as a Portfolio Risk and Economic Capital Analyst?

Joining Motability Operations as a Portfolio Risk and Economic Capital Analyst means being part of a purpose-driven organization, working to improve mobility for over 815,000 customers across the UK. You’ll have the opportunity to influence strategic financial decisions, shape future risk management practices, and develop professionally in a collaborative and inclusive environment.

 Portfolio Risk and Economic Capital Analyst: Skills and Qualifications

Essential Skills:

• Strong analytical skills with the ability to identify trends in complex datasets.

• Deep expertise in statistics, probability, and advanced mathematical modelling.

• Ability to bridge technical financial concepts with practical business applications.

• Proficiency in modelling software and programming languages such as Python, R, or MATLAB.

• Extensive experience working with market, credit, and operational risk types.

• Familiarity with financial regulatory requirements and capital modelling standards.

• Strong communication skills, able to translate technical insights into business-focused strategies.

Desirable Attributes:

• Experience working with third-party vendors to develop and enhance Economic Capital Models.

• Proactive approach to continuous improvement and innovation within risk management.

 What Motability Operations Offers to a Portfolio Risk and Economic Capital Analyst

• Competitive reward package with an annual discretionary bonus.

• 15% non-contributory pension (9% during probation).

• 28 days annual leave with options to buy or sell additional days.

• Hybrid working model – up to 2 days remote work per week.

• Private medical insurance, health screenings, and comprehensive family leave policies.

• Electric/Hybrid Car Salary Sacrifice Scheme and Cycle to Work Scheme.

• Generous life assurance cover and a wide range of voluntary benefits.

• Access to multiple wellness and mental health support apps and services.

• An inclusive, supportive culture where you can thrive and grow.