Credit Risk Specialist

New Today

Credit Risk Specialist

Edinburgh | Hybrid (2 days office)

Up to £70,000

We’re looking for a Credit Risk Specialist to join a high-performing team shaping credit and affordability strategies for existing customers.

In this role, you’ll be part of the first line of defence, developing and optimising lending strategies that balance commercial opportunity with responsible risk management. You’ll use your analytical expertise to monitor portfolio performance, identify new lending opportunities, and explore data-driven ways to improve decision-making.

What you’ll be doing:

  • Develop, refine, and execute credit and affordability strategies for existing customer portfolios.
  • Monitor portfolio performance and MI, ensuring lending remains within risk appetite and supports positive customer outcomes.
  • Identify and assess new data sources, technologies, and tools to enhance credit decisioning and efficiency.

What you’ll bring:

  • Proven experience in credit risk or portfolio analytics
  • Excellent skills in SAS ideally but open to Python or R
  • A sharp, data-driven mindset with commercial awareness
  • Confidence to turn complex analysis into clear, actionable insights
  • Ideal retail banking background but open to other Financial Services

This role will suit someone who loves using data to tell a story — someone curious, commercially minded, and confident in shaping lending strategies that balance risk and reward. Ideal for someone that is keen to join an organisation during an exciting period of transformation.

Apply now to find out more!

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Location:
City Of Edinburgh, Scotland, United Kingdom
Salary:
£80,000 - £100,000
Job Type:
FullTime
Category:
Finance

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