Credit Risk Solutions Graduate Programme 2027

Who are we? Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries. People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Specialty Credit Risk Solutions Graduate Programme

Please read before submitting: You may only apply to one graduate programme for our 2027 intake. Submitting duplicate applications will result in them not being considered.

Location: London

Start date: September 2027

Salary: £40,000

Working structure: Hybrid (4 days in office)

Build Expertise at the Intersection of Banking, Insurance and Global Finance

Looking for a graduate role where you'll combine analytical thinking, commercial awareness and relationship-building? Join Howden's Credit Risk Solutions team and work on complex transactions that help some of the world's leading banks manage risk and deploy capital more efficiently. From day one, you'll gain exposure to real deals, supporting global financial institutions across areas including corporate lending, project finance (inc. renewables), infrastructure finance, aviation finance, leveraged finance, fund finance and commodity & trade finance. You'll work alongside specialists from banking, law and finance backgrounds, developing an understanding of credit risk, transaction structuring, insurance solutions and client relationships. This is a fast-paced, international environment where you'll engage with major banks, insurers and corporates, gaining early responsibility and insight into a growing area of the market. You'll develop both technical knowledge and commercial skills while learning how transactions are negotiated, structured and executed. This is a permanent role supported by a structured development programme, designed to accelerate your technical expertise, professional confidence and long-term career growth.

What you’ll be doing?

• Support the placement of credit risk insurance solutions for major global banks, helping clients manage risk and unlock lending opportunities.
• Conduct research into borrowers, industries and market developments, building an understanding of the factors that influence credit and lending decisions.
• Assist with drafting contracts, preparing client presentations and supporting transaction documentation throughout the deal lifecycle.
• Develop relationships with clients and insurers, gaining exposure to meetings and learning how complex transactions are negotiated and delivered.
• Support market analysis and business development activities, helping identify opportunities and trends across a range of sectors and geographies.
• Work closely with experienced professionals from banking, legal and finance backgrounds, developing your technical expertise, commercial awareness and client advisory skills.

Who are we looking for?

• A recent graduate, or in your final year of university study, and on track to achieve or have achieved a 2:1 or above in any degree subject.
• Interested in finance, global markets and current affairs, with a curiosity about how banks and businesses manage risk.
• A strong communicator who enjoys building relationships and working with clients, colleagues and external partners.
• Numerate and analytical, with the ability to assess information, solve problems and make sound judgements.
• Resilient and able to perform under pressure, particularly in a fast-paced environment where priorities can shift quickly.
• Organised, detail-oriented and capable of managing multiple tasks and competing deadlines.
• Adaptable, commercially aware and keen to learn from experienced professionals and take on responsibility early in your career.
• Comfortable using Excel and working with data to support analysis and decision-making.
• Someone who takes ownership, shows initiative and enjoys working collaboratively as part of a high-performing team.

To be eligible for our programme, you must have the full and unrestricted right to work in the UK.

Application process

Online application form – no CV required: We believe you're more than just a document, so we won’t ask you to submit a CV. Please upload a blank document on the application form. Online gamified assessment: We’ve created games that will help us understand your natural strengths and how you approach different situations. There are no right or wrong answers. You can complete this stage on your phone or laptop, whichever suits you best! Pre-recorded video interview: You will record your answers to a few questions using your phone or laptop, giving you the chance to tell us more about yourself in your own time in a relaxed setting. Assessment centre: Our final stage is an in‑person assessment centre at one of our offices. You'll take part in some fun group activities and meet our team in a relaxed setting. This day is all about getting to know you better and for you to see what it's like to be part of Howden and experience our culture. We’ll cover all your travel costs for this day, because where you are now, shouldn’t hold back your future!

Why should you apply?

At Howden, people are at the heart of everything we do. As an employee‑owned business, we believe success is built through collaboration, learning and supporting one another. You'll join a permanent role from day one and take part in our structured 18‑month development programme, designed to accelerate your technical, commercial and professional growth.

You’ll also benefit from:

• £40,000 salary and a generous pension scheme.
• Opportunity to complete fully funded professional qualifications, such as the CII or CFA, to support your long‑term career development.
• Structured learning and development through our 18‑month graduate development programme.
• 25 days' annual leave, plus bank holidays and an additional day off at Christmas.
• Access to discounted personal health policies, wellbeing support and a range of employee benefits and insurance products.
• 2 days allocated to take part in volunteering schemes.

What do we offer in return?

A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us: Our successes have all come from someone brave enough to try something new. We support each other in the small everyday moments and the bigger challenges. We are determined to make a positive difference at work and beyond.

Reasonable adjustments

We’re committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours or hybrid working.*

*Not all positions can accommodate changes to working hours or locations.

Permanent Howden began in 1994, as just three people and a dog. Now there are 23,000 of us, and we're a leading global insurance group, managing $37bn of premiums for our clients. Our largest shareholder group is us – the people who work in the business – supported by three long‑term, minority growth‑equity partners who share our vision to build a business to last, one that will never be sold. The owner's mindset is something that's embedded in our culture; our people readily take ownership of their decisions, their actions, and their outputs. They’re invested in every sense. And we all know that by working together to drive the business forward, everyone will benefit from the extraordinary results we can achieve.

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