Put your stamp on

international finance

Apply to join our Graduate Scheme today

www.ipfintalent.co.uk

Join our global organisation

Ready for your career in finance to take off? IPF Group is your passport to success. On our
Graduate Scheme, you will step into our Credit Risk department, developing your technical,
leadership and language skills over the course of three years. And thats just for starters

Seeing the world is just one of the advantages

Operating in 13 markets worldwide, IPF Group gives you the chance to take your career global. As a
member of our Graduate Scheme, you will gain experience in a number of different countries. So
when you are just starting out, there are few more exciting places to be.

Fast track yourself from graduate to high flyer

Accelerate your career with us and, in just three years, you could join our management team full time.
It takes intensive technical, leadership and personal development to get there. But we will give you all
the tools to become a key player in finance.

Get the recognition you deserve as you spread your wings

We may not be the very biggest financial organisation. But thats not necessarily bad thing. Our size
gives you more opportunity to make a real impact. Your achievements with us will gain attention at
every level helping you make a difference to our business, and make a name for yourself.

Being a Graduate in IPF has been a great

chance for me to gain international experience
in credit risk and meet people from various
countries.
Milena Zaszewska
Credit Risk Management Graduate

Apply to join our Graduate Scheme today

Who we are
Theres a lot more to us than facts and figures alone
If you have ambitious plans for your career, IPF Group is the organisation to take you there. Founded
in 1997, as a division of Provident Financial, we de-merged 10 years later, establishing ourselves in
the FTSE 250.
Today we are a leading international provider of home credit and digital loans across 13 international
markets including Poland, Czech Republic, Finland, Estonia, Australia and Mexico. Our home credit
business operates as Provident and our digital business as IPF Digital under the Credit24, hapiloans
and Sving brands.

See what sets us apart

We offer short term loans to people who want to borrow small sums and repay in manageable and
affordable amounts. Our home credit product comprises two core elements:

A small sum, short-term, unsecured cash loan, ranging from 50 to 1000 repaid over a
period of around 12 months by money transfer to a bank account; and

An optional personal home collection service provided by dedicated agents who deliver
the loan to and collect repayments from the customers home each week

Our digital business reaches customers who want to borrow digitally and communicate remotely,
typically between 250 - 3000. Key features of our digital loans are:

Competitive pricing, Fixed monthly repayments, Quick and simple, Rewards for good
repayment behaviour, Payment holidays, Aim to deliver the funds within 15 minutes

I've learnt plenty of lessons working for IPF,

but what's even better is that I also have
plenty of opportunities to use them later in
practice, for everyones benefit.
Karolina Kornet
Credit Risk Management Graduate

Apply to join our Graduate Scheme today

Our Locations

As a part of the Graduate Programme, I've

been constantly challenged and forced out
of my comfort zone, that is, however, a
powerful way to grow.
Tomas Bouska
Credit Risk Management Graduate

www.ipfintalent.co.uk

Our Values

How our values make us unique

Responsible

We take responsibility for our actions

 act and lend responsibly and encourage those we work with to be

We
responsible in making decisions

We care about and are thorough, deliberate & accurate in our work

We encourage people to work to the best of their ability

We are committed to building lasting working partnerships

We go the extra mile to provide the most appropriate products for our customers

Respectful

We value people and their points of view

We embrace diversity and respect individual differences

We are fair and treat others as we would like to be treated

We respond appropriately to everyone we deal with

Straightforward

We are clear, open and accessible

We believe in what we do

We are straightforward and do what we say well do

We are open and honest with everyone we deal with

We develop trust as the heart of all relationships

www.ipfintalent.co.uk

Why choose us
Launch your career on our Graduate Scheme
Our Graduate Scheme covers the first three years of your career. It gives you a totally unique
exposure to a number of very different roles. And, starting as an analyst in Credit Risk, youll
experience a rotation programme, aimed at developing you as a rounded Credit Risk and wider
business professional. During this time you will:


Develop
expertise in assessing and managing risks for a whole country, a group of
customers and a range of different products


Experience
the pressures of the direct customer facing part of the business, plus
transaction execution including sales and collections

Discuss the development of new and innovative product opportunities




Perform
in-depth reviews of various parts of the business and directly impact on
how they are served

Contribute to proposing and setting strategies to reduce the firms overall credit exposure


Analyse credit risks on a company, client and transactional basis



Deliver insight into and optimisation of credit risk and other related risk



Ensure
a risk/reward balance that is consistent with IPFs strategic goals and
corporate values.

Your next three years in a nutshell

Learning alongside key figures in our organisation, your development will be accelerated and youll
be challenged to grow your leadership potential.

Year 1

Year 2

Year 3

In the role of Credit Risk

Analyst, youll build up
your technical skills,
carrying out project work
to analyse performance.

Stepping up to the
position of Senior Analyst,
youll be given the
responsibility to lead and
deliver projects across
various departments.

In your third year, youll

be required to design,
implement and execute
Credit Risk Strategies,
graduating to the role of
Credit Risk Manager.

Apply to join our Graduate Scheme today

Have you got what were looking for?

Its essential that youre fluent in both written and spoken English

We need someone that graduated in 2013 or later, with a minimum 2:1 degree or
equivalent qualification e.g. MA or MSc degree with the final score of a minimum of 4

However, if youre an undergraduate who has been predicted a minimum 2:1 grade,
wed welcome your application too

Youre eager to travel, and looking

forward to gaining experience in at least
three of our international markets

Your analytical mind makes you adept at

solving problems

You want to lead from the front, shaping

the future of our organisation

Most of all, youre ambitious

and like a good challenge.

Top tips for all our applicants

Before you apply, here are a few things you can do to give yourself every chance of being
the one we want:
1. Do
 your research. It is vital you understand what were all about, so take a look at
www.ipfintalent.co.uk to find out more
2. Ask
 your friends and family to provide examples in support of your application.
Make sure you evidence the qualities were looking for.
3. Keep

your answers concise and to the point your ability to recognise the facts
that really matter is an important part of the role.
4. Check your spelling and grammar attention to detail makes all the difference.
5. Double check your contact details and keep us updated if they change.

www.ipfintalent.co.uk

Notes

What I find fascinating about working for

IPF is the global scope of the business, the
opportunity to work with people from
different cultures and share best practice.
Mirena Ancheva
Credit Risk Management Graduate

Apply to join our Graduate Scheme today