Credit Risk Specialist

JoinaleadingUKbankthat’sfocusedonhelpingcustomers,communities,andtheplanetthrive.You’llplayakeyroleinshapinghowthebusinessmanagescreditexposureanddrivessustainablegrowthacrossitsexistingcustomerbase.

Role Overview

RoleType: 12Monthfixedtermcontractwithpotentialforextension

Location: CentralEdinburgh,2daysperweekonsite

Package: £55,000-£70,000pa,AnnualBonus&Benefits

Industry: Banking

What You’ll Be Doing

• Develop and implement credit and affordability strategies for existing customers.
• Optimise credit exposure to support growth within defined risk appetite.
• Monitor portfolio performance using MI and deliver actionable insights.
• Identify new opportunities for responsible lending to current customers.
• Evaluate and implement new data sources and technologies to enhance decision-making.
• Collaborate with teams across Risk, Modelling, Finance, and Commercial to align strategy.

Main Skills Needed

• Minimum of 4 years of experience in a Credit Risk role.
• Background in Banking or Financial Services.
• Strong analytical and problem‑solving skills.
• Proficiency in SAS, SQL, and Excel for data analysis and reporting.
• Excellent understanding of credit and affordability risk management.
• Strong stakeholder management and communication skills.
• Bonus: Knowledge of credit bureau data and experience mentoring others.

What’s In It for You

• Competitive salary and performance bonus.
• Private medical insurance and access to a virtual GP service year‑round.
• Generous pension scheme and enhanced family leave policies.
• Minimum 7.2 weeks’ holiday, with the option to buy more.
• Supportive, collaborative culture with genuine opportunities to grow your career.

Think it could be a fit? We’d love to hear from you.

Weareanequalopportunityemployerandvaluediversityatourcompany.Wedonotdiscriminateonthebasisofrace,religion,colour,nationalorigin,gender,sexualorientation,age,maritalstatus,veteranstatus,ordisabilitystatus.

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