Credit Risk Analyst

4 weeks ago

Austin, United States Habitat Energy Full time

Credit Risk Analyst

Habitat Energy is a fast growing technology company focussed on the trading and algorithmic optimisation of energy storage and renewable assets around the world. Our mission is to deliver outstanding returns to our clients to increase the attractiveness of renewable energy globally and support the transition to a clean energy future. Our rapidly growing team of 90 people in Austin, TX, Oxford, UK, and Melbourne, Australia brings together exceptionally talented and passionate people in the domains of energy trading, data science, software engineering and renewable energy management.

We have a vacancy for a Credit Risk Analyst to join our US team based in Austin, TX. This role will be responsible for evaluating, analyzing, and mitigating credit risks associated with the company's power trading and wholesale operations. You will work closely with cross-functional teams to assess counterparty is credit worthy, ensure adherence to credit policies, and support strategic decision-making processes related to credit exposure. This role requires a strong understanding of the power and energy markets, financial analysis, and risk management principles.

You will be responsible for:

  • Credit Risk Assessment: Analyze and assess how credit worthy counterparties are, including power utilities, trading partners, and wholesale customers, by evaluating financial statements, credit reports, market trends, and other relevant data.
  • Exposure Monitoring: Monitor and track credit exposure across power trading and wholesale contracts to ensure compliance with established credit limits and company risk policies.
  • Counterparty Credit Limits: Recommend and set appropriate credit limits for counterparties based on in-depth financial analysis and risk tolerance.
  • Risk Mitigation Strategies: Develop and implement risk mitigation strategies, such as credit insurance, letters of credit, or collateral management, to minimize credit risk exposure.
  • Financial Modelling & Analysis: Build and maintain financial models to predict potential credit risks and create stress-testing scenarios in line with market volatility and credit trends.
  • Market and Industry Research: Stay updated on market conditions, regulatory changes, and industry-specific risks in the power and energy sectors, providing insights to inform credit policies.
  • Reporting: Prepare and present detailed credit risk reports and analysis to senior management and key stakeholders, highlighting key risk exposures and providing recommendations.
  • Collaboration: Work closely with the finance, trading, legal, and commercial teams to evaluate and manage credit risks related to power contracts, projects, and investments.
  • Regulatory Compliance: Ensure that credit risk management practices comply with regulatory standards and internal policies.
'Must have' skills and experience:
  • Strong financial analysis skills, including proficiency in financial statement analysis, ratio analysis, and forecasting.
  • In-depth knowledge of the power industry, energy markets, and related credit risks.
  • Experience with credit risk management tools, software, and models.
  • Ability to work independently, think critically, and provide sound judgment in credit decisions.
'Nice to have' skills and experience:
  • Excellent communication skills with the ability to present complex information clearly and concisely to non-technical stakeholders.
  • Strong attention to detail and the ability to manage multiple tasks in a fast-paced environment.
  • Advanced Excel skills, with experience in SQL, Python, or other relevant data analysis tools being a plus.


Ultimately we are looking for someone who is a great fit for our company so we encourage you to apply even if you may not meet every requirement in this posting. We value diversity and our environment is supportive, challenging and focused on the consistent delivery of high quality, meaningful work.

In return, we'll give you a competitive salary, flexible working arrangements and a lot of personal development opportunities. We operate a hybrid working model with at least 2 days in our offices in Austin, TX.

When you apply for a job with us, we process some of your personal information. You can find out more about how we process your information in our candidate privacy policy here.

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