Credit Risk Specialist

Credit Risk Specialist

Join a leading UK bank that’s focused on helping customers, communities, and the planet thrive. You’ll play a key role in shaping how the business manages credit exposure and drives sustainable growth across its existing customer base.

Role Overview

Role Type: 12 Month fixed-term contract with potential for extension

Location: Central Edinburgh, 2 days per week on site

Package: £55,000- £70,000pa, Annual Bonus & 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.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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