Credit Risk Specialist
Posted 1 week ago by Addition+
£70,000 Per year
Fixed-Term
Hybrid
Edinburgh, Scotland, United Kingdom
Summary: The Credit Risk Specialist role at a leading UK bank involves developing and implementing credit and affordability strategies to manage credit exposure and support sustainable growth. The position is a 12-month fixed-term contract based in Central Edinburgh, requiring on-site presence two days a week. The role demands strong analytical skills and collaboration across various teams to align strategies effectively.
Key Responsibilities:
- 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.
Key Skills:
- 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.
Salary (Rate): £70,000 yearly
City: Edinburgh
Country: United Kingdom
Working Arrangements: hybrid
IR35 Status: fixed-term
Seniority Level: Mid-Level
Industry: Banking
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. By applying you are confirming you are happy to be added to the Addition Solutions mailing list regarding future suitable positions. You can opt out of this at any time simply by contacting one of our consultants.