Graduate roles

• The opportunity to develop your technical and interpersonal skill set.
• Industry knowledge by working on client projects alongside experts in the field.
• Opportunities to support 4most by organising and delivering internal work.
• Exposure to different areas of credit risk, Insurance, data, or market risk.
• Access to a dynamic learning environment and tailored training that allows you to drive your own development.
• The opportunity to build your experience and career in a dynamic and progressive environment.

The culture we’ve built at 4most is truly unique. That’s why we were voted ‘Best Company to Work For’ at the Credit Strategy Awards in 2019, 2020, 2021 and 2023, as well as at the Women in Credit Awards in 2021, 2022 and 2023.

We strive to create a working environment where each and every 4moster has the opportunity to flourish and develop to their fullest potential. Collaboration is at the core of everything we do, and we are delighted to consistently be recognised year after year as a company that prioritises wellbeing and equal opportunities.

Equality & employee voices

• Each 4moster is a shareholder in the company and therefore benefits financially from our collective success and growth.
• Our Employee Council represents the wider business to ensure the voice of each 4moster is heard and decisions are made with everyone’s collective interests in mind.
• Our Diversity & Inclusion Board helps promote a working environment that makes people feel welcome and able to realise their potential, regardless of their background.

Training & development

We offer…

• A week-long bootcamp attended by new graduates covering a blend of technical and soft skills to help you become part of the 4most team.
• Consistent points of contact and support through an assigned HR lead, senior consultant and buddy, that will help guide your development.
• Access to training and ‘Personal development days’ which can be used to acquire skills of interest.
• Full access to thousands of courses through Udemy.

Career progression

• Graduates are encouraged to direct the trajectory of their career and get involved in areas of the business they are interested in.
• Drive your own progression thanks to a flexible structure.
• Get involved in a range of projects and business contexts, with this exposure helping to catalyse professional development.

Socials

Get involved with…

• An annual company-wide holiday to celebrate our hard work and bring everyone together.
• Regular office socials and celebrations in London, Leeds, and Dublin.
• Budgets for wider team socials and project socials.
• Plenty of 4most social groups and activities.

Other benefits

• Flexible holiday scheme
• Annual salary reviews
• Pension contribution
• Juno ‘The Life Company’ monthly benefits.
• Monthly phone contribution.
• Private medical insurance.
• 4most will sponsor 50% of the cost of relevant MSc and PhD correspondence courses.

• Take responsibility for your own deliveries within the scope and deadlines set.
• Work effectively both on your own and as part of a team, and complete project work accurately and to a high standard.
• Work with areas of the business to identify opportunities for increasing value through the application of analysis and modelling techniques.
• Present and discuss results with stakeholders and peers.
• Proactively identify areas for improving team capability and new business.
• Undertake internal initiatives as required and get involved in other areas of internal 4most processes where possible.
• Engage in activities to encourage personal development and work on skills and abilities.
• Responsibly balance project work with your studies towards your actuarial qualifications (for Life Insurance Actuaries only).

Be analytical

The ability to leverage available skills and data to solve problems and create solutions is key.

Be organised

We’re here to deliver bespoke solutions to our clients that are structured in a clear and methodical way.

Be flexible

Client satisfaction is crucial and we do this by understanding and adapting to their needs.

Be decisive

You should be able to give expert advice within a technical or professional field, and demonstrate clear and informed decisions.

Be supportive

4most embraces individual diversity and collaboration, so we expect 4mosters to be inclusive, compassionate and helpful.

Be honest

We value transparency and integrity, and so should you.

Be enthusiastic

Have a strong passion for what you do, and always strive to improve (both as an individual and as part of the team).

Be self-motivated

We are always striving to improve, so it’s important that you’re keen to develop both yourself and 4most alike.

The solutions we provide our clients with are analytically driven, so we typically look for candidates with a discipline grounded in numerical methods / statistics, computing, or data. Although not essential, it is advantageous to have at least 6 months work experience within a related field, especially financial services. 

Communication is key; interacting internally and to external stakeholders, both verbally and written, is essential to bringing our results and recommendations to life. So we seek prominent influencing and interpersonal skills.

Specific requirements for each role are below.

Credit risk

• Coding – the solutions we build will mostly require use of analysis packages and so experience and demonstration of a coding ability is crucial. We look for SAS or SQL, but we acknowledge both R and Python as foundation coding experience too.
• Analysis – demonstration of manipulating and analysing large datasets with customer information.
• Regulation – knowledge of local regulatory environments across areas such as IFRS 9 and Basel, or of regulatory activity outside of the UK in areas such as TRIM or CECL, is encouraged.

Insurance

• IT skills – a successful candidate will be proficient working with spreadsheets and will have experience utilising a range of complex functions. Experience or knowledge working with a coding language (e.g. VBA, R, MatLab, Python) is advantageous but not essential.
• Study – we expect applicants to have an understanding of the examination pathway that is required to become a Fellow of the IFoA. Study support will be provided by 4most, but we expect students to revise in their own time as well. Exemptions or passes in any of the examinations are not a requirement.
• Regulation – awareness of local regulatory environments such as Solvency II or IFRS 17 and key life insurance products (e.g. annuities) is encouraged.

Data

• Coding – the solutions we build mostly require use of analysis packages, and so experience and demonstration of a coding ability is crucial. We look for proficiency in either Python, SQL, R, or SAS.
• Analysis – demonstration of manipulating and analysing large datasets with customer information.

Market risk

• Coding – the solutions we build mostly require use of analysis packages, and so experience and demonstration of a coding ability is crucial. We look for proficiency in Python, but also recognise SQL, R, or SAS as foundational coding languages.
• Analysis – demonstration of manipulating and analysing large datasets with customer information.

Please note for those applying to our Dublin office, we only accept applications from Ireland permanent residents or EU citizens, and we expect our analysts to be able to travel to the UK on a regular basis.

If you require any reasonable adjustments in order to complete the application process, please contact graduates@4-most.co.uk.

Below is an outline of the application process. Please note that details may differ across roles and locations, so be sure to check each job specification carefully. 

• Apply online & complete application form: Apply online and complete a short application form to let us know why you want to join 4most, and share your relevant work experience and skills with us.
• Video interview: Attend a 30-minute video interview over Microsoft Teams so that we can get to know you a bit better. We’ll discuss items such as your CV, application form, and experience in more depth.
• Technical test: Complete an online assessment comprising an Excel Task, short numeric reasoning test, and coding exercise (only for those applying for Credit Risk, Data, or Market Risk). The coding tasks can be completed with either SAS, SQL, Python, or R.
• Assessment day / final interview: Visit our London, Leeds, or Dublin office along with a small group of fellow applicants (depending on role / location) to complete your final interview with one of our senior consultants. You’ll also have the opportunity to pre-plan and deliver a presentation around an analytical project you’ve completed. The day will consist of talks from 4most’s senior leadership team and a chance to talk 1-on-1 with a recent graduate.
• Offer & feedback: All applicants will be provided with feedback and, if you’re successful, you’ll receive an offer.