Apprenticeship – Data / Credit Risk
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Company: 4most
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Location: London, EC3R 8AJ
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Type: Apprenticeship
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Salary: £28,860.00 per month
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Sector: Information and Communication Technology (ICT)
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Ref: VAC-00077
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Application Deadline Date: 04/01/2026
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Start Date: 28/09/2026
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Positions Available: 4
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Working Week: Full-time role within standard business hours.
Brief Description
As an Apprentice within our Credit Risk and Data teams, you will gain hands-on experience in consulting while developing technical and professional skills through structured 4most training and mentoring. You will work on real client projects and internal initiatives, learning how to deliver bespoke solutions in a dynamic environment.
Personal Qualities
A successful apprentice will demonstrate the following qualities:
Analytical mindset – Ability to solve problems using data-driven approaches.
Organised and methodical – Deliver structured, clear solutions.
Adaptable and flexible – Respond to changing client needs.
Collaborative and supportive – Work effectively within diverse teams.
Honest and transparent – Demonstrate integrity in all interactions.
Enthusiastic and self-motivated – Show passion for learning and improvement.
Willingness to travel – Some client work may require travel.
Skills Required
Strong numerical and analytical ability.
Interest in coding and data analysis (experience with Excel, SAS, Python, R or SQL is desirable).
Good communication skills – both written and verbal.
Attention to detail and ability to work with large datasets.
Training to be Provided
Our apprenticeship goes beyond the Level 4 standard and includes a Foundation Degree in Digital Innovation which is validated by the Open University. Each cohort spends their first 5 weeks at college taking part in our Launchpad training.
This training not only covers modules for the degree programme but also ensures to prepare you for the workplace. Following the Launchpad training you will return to your employer for 7-8 weeks returning to Ada for one-week blocks on a rotation basis.
Vacancy Detail
We are not your typical consultancy firm; our purpose is to redefine consulting by enabling all our people to flourish and excel. With over 250 consultants working across credit risk, data, market risk, life insurance and general insurance, we operate from multiple sites – London, Leeds, Edinburgh, Dublin, Amsterdam, Dubai and Bengaluru.
At 4most, we value every individual’s contribution to our success. We embrace diversity and have created a fun, innovative environment where technical minds thrive. Success is measured by the unique value you bring, not by the size of your team or the hours you work. We encourage fresh thinking, challenge the status quo, and reward collaboration.
This 4most apprenticeship is in partnership with Ada, the National College for Digital Skills as the training provider and is for the Level 4 Data Analytics programme (2-year course). Training will be delivered through Ada’s London campus and carried out in a block-release format whereby every 6-8 weeks apprentices will return to the college for learning.
You will be supported by experienced consultants who will guide you through project delivery and help you build a strong foundation in credit risk analysis. This apprenticeship offers exposure to diverse projects, clients, and methodologies, enabling you to accelerate your career in financial services.
Key Responsibilities
Contribute to project work both independently and as part of a team, ensuring accuracy and high standards.
Take ownership of assigned tasks and deliver within agreed timelines.
Apply analytical and modelling techniques to identify opportunities for adding value.
Present findings and recommendations to stakeholders clearly and confidently.
Support internal initiatives and contribute to improving team capability.
Manage data securely and in compliance with Data Protection and industry regulations.
Engage in continuous learning and development activities.
Work within company Health and Safety policies.
Other Information
Full-time role within standard business hours. We encourage apprentices to spend at least four days per week in the office for optimal learning and integration.
Recruitment Process
Our recruitment process is designed to identify potential and provide a fair, transparent experience:
1. Initial CV & Application Review - please apply via: https://careers.4-most.co.uk/jobs/6837830-apprenticeship-data-credit-risk/f3b58b45-1385-48d5-bbd9-b39aa676803a
We will assess your application and review your CV for eligibility and suitability for the role.
2. Video Call
We will conduct a short video call to understand your motivation and suitability to become an apprentice at 4most.
3. In-Person Assessment Day
This will include:
Analytical tests – Assessing problem-solving and numerical skills.
Group exercises – Evaluating collaboration, leadership and communication.
Final Interview – a one-to-one discussion with senior team members to explore your skills, aspirations, and cultural fit.
Important Information
Please note we are unable to sponsor visas for this position, either initially or at any point during employment.
Recruitment Process
Our recruitment process is designed to identify potential and provide a fair, transparent experience:
1. Initial CV & Application Review
We will assess your application and review your CV for eligibility and suitability for the role.
2. Video Call
We will conduct a short video call to understand your motivation and suitability to become an apprentice at 4most.
3. In-Person Assessment Day
This will include:
Analytical tests – Assessing problem-solving and numerical skills.
Group exercises – Evaluating collaboration, leadership and communication.
Final Interview – a one-to-one discussion with senior team members to explore your skills, aspirations, and cultural fit.
Important Information
Please note we are unable to sponsor visas for this position, either initially or at any point during employment.
What We Offer
Aside from creating a flexible, welcoming and nurturing environment that allows 4mosters to develop and find their path, we also offer the following (not an exhaustive list);
Starting salary – as a certified B-Corp, we are committed to paying Real Living Wage. This currently equates to £28,860 on a full-time basis but is expected to change again in April-26.
25 days' holiday.
o This is the contractual allowance; however, 4most runs a “freedom” holiday arrangement. This means that you are not permitted to buy/sell holiday days; however, you are able to take more than the contractual allowance if needed and approved.
4most will sponsor 50% of the cost of relevant MSc and PhD correspondence courses providing they are outside working hours.
Private medical insurance.
Pension scheme: 4most will match from 4.5% to 6%.
Juno (wellbeing platform):
o £50 per month to spend on anything to help with wellbeing (physical & mental).
o £50 per month to spend on anything fitness-specific e.g. gym membership, yoga classes, fitness equipment, etc.
Mobile phone bill reimbursed (up to a maximum of £40 per month).
Cycle to work scheme (the total value of the bike/accessories should cost no more than your monthly net pay, and is capped at a maximum of £2,500).
Diversity
4most is an equal opportunity employer. We celebrate our individuality and recognise our diversity. We are committed to continually moving forward on our journey to create a diverse, inclusive and equitable working environment for all employees.
If you require reasonable adjustments in order to access any part of the recruitment process, please get in touch with us on kerrie.keene@4-most.co.uk.