Credit Business Analyst/Change Management Assistant - Associate

SMBC Group; Greater London; Hybride; GBP 36 000 - 54 000; Plein temps

Avantages offerts par ce poste

Hybrid working

Competitive leave days

Private medical and life insurance

Mental wellbeing support

Learning & development opportunities

Résumé du poste

SMBC Group in the United Kingdom seeks an early-career credit risk analyst to support and improve risk systems, policy controls and reporting across EMEA. You will translate business and regulatory requirements into practical solutions, work on data analysis, testing, and stakeholder support, and contribute to governance and process improvements.

The role offers hybrid working in London and a competitive salary (£36,000–£54,000) with a discretionary incentive and benefits package.

Qualifications

• Degree or equivalent qualification in a relevant discipline.
• Strong attention to detail and an organised approach to data, reporting, documentation and deadlines.
• Good Microsoft Excel skills and confidence learning new systems and data tools.
• Clear communication and a collaborative, professional approach to stakeholder support.
• Curiosity, self-motivated, sound judgement and a willingness to learn credit risk policies, controls and regulatory requirements.
• Basic knowledge of SQL, Power BI, Python, Alteryx or similar tools.
• Academic, internship or project experience in business analysis, data, systems, process improvement, risk or financial services.
• Awareness of testing, change management, management information or service level reporting. Prior credit risk experience is not required.
• Awareness of AI tools and data-driven technologies, with an interest in applying them to business analysis, process improvement and operational efficiency.

Responsabilités

• Support well-controlled changes to EMEA credit risk systems and processes, from requirements and data analysis through testing, implementation and user support.
• Prepare and maintain accurate management information, including KRI, KPI, SLA and trigger reporting, in line with agreed standards and deadlines.
• Support credit control activities by monitoring information, identifying exceptions or issues, maintaining evidence and escalating concerns appropriately.
• Analyse, map and reconcile data to support reporting, system design, testing and issue investigation, including inputs, transformation logic and downstream outputs.
• Maintain clear requirements, test evidence, operating procedures, policy change records, manuals and other governance documentation.
• Respond to stakeholder enquiries and coordinate with Credit, Risk Management, Front Office, IT, Tokyo Head Office, vendors and other teams on policy, process, data and system matters.
• Assist with root cause analysis, incident and remediation tracking, audit or operational review requests, and timely follow-up of actions.
• Support training, user guidance and small-scale process improvements or automation under senior supervision.
• Build knowledge of credit policies and regulatory requirements, including ECB expectations, and support their implementation and ongoing maintenance across systems, controls, reporting and processes.

Connaissances

Analytical capability

Attention to detail

Excel proficiency

Formation

Degree or equivalent qualification in a relevant discipline

Outils

SQL

Power BI

Python

Alteryx

Description du poste

Here at SMBC Group, we want to help you find the next step in your career so read on to discover if this opportunity is the one for you. We like to recognise potential in our people, so we welcome your application even when your experience doesn’t perfectly align with the job description. Whilst we’ll always strive to be better, we’re proud of our inclusive culture, and encourage our applicants and colleagues to be their authentic, unique selves.

Who we are

United by a sense of purpose towards our customers – to be a trusted partner for the long-term – and our universal banking platform in EMEA, SMBC Group has an international growth agenda and award-winning products, meaning we provide exciting opportunities to work on a diverse range of projects and initiatives. We deliver a full suite of corporate finance products and solutions to our customers as well as investment banking and advisory services, and a range of innovative solutions in global capital markets. Read on to find out how you could enhance your skills and gain valuable experience, by joining us to support our clients transition to a sustainable future.

Role Summary

The role supports the effective operation and continuous improvement of credit risk systems, controls and related processes across EMEA. Working with experienced colleagues, the candidate will help translate business, credit policy and regulatory requirements into practical solutions while supporting reporting, credit control and service management activities.

• Support system and process change, including ECB-driven requirements, data analysis, testing, implementation and user support.
• Prepare and maintain management information, including KRI, KPI, SLA and trigger reporting.
• Support credit control, policy governance, documentation and stakeholder enquiries.
• Contribute to data quality, operational controls, issue resolution and process improvement.

This is a development role for an early-career candidate with analytical and technical potential, an interest in financial services and a willingness to learn credit risk policies and processes.

The anticipated salary range for this role is £36,000 - £54,000, with the final offer determined based on the candidate’s skills, experience, role scope, location, and relevant market factors. In addition to base salary, the role may be eligible for a discretionary incentive award and a competitive benefits package, including core benefits such as pension provision.

Business Area

The role sits within the Credit Planning Policy & Governance Team, which supports the implementation of global and EMEA credit policies and regulatory requirements, including ECB expectations, alongside the operation of credit controls, reporting and credit risk systems across EMEA.

The candidate will work with Credit, Risk Management Department as policy owner, Front Office, IT, Tokyo Head Office and other control and support functions across EMEA.

The position provides broad exposure to business and data analysis, management reporting, credit control, service level monitoring, system change and testing, policy governance, documentation and training.

Scale and Scope

• Regional scope covering credit risk systems, data, controls, reporting and processes across EMEA.
• Regular interaction with Credit, Risk Management, Front Office, IT, Tokyo Head Office and other support and control functions.
• Involvement in business-as-usual control and reporting activities alongside policy, regulatory, data and system change initiatives.

Position Description

• Support well-controlled changes to EMEA credit risk systems and processes, from requirements and data analysis through testing, implementation and user support.
• Prepare and maintain accurate management information, including KRI, KPI, SLA and trigger reporting, in line with agreed standards and deadlines.
• Support credit control activities by monitoring information, identifying exceptions or issues, maintaining evidence and escalating concerns appropriately.
• Analyse, map and reconcile data to support reporting, system design, testing and issue investigation, including inputs, transformation logic and downstream outputs.
• Maintain clear requirements, test evidence, operating procedures, policy change records, manuals and other governance documentation.
• Respond to stakeholder enquiries and coordinate with Credit, Risk Management, Front Office, IT, Tokyo Head Office, vendors and other teams on policy, process, data and system matters.
• Assist with root cause analysis, incident and remediation tracking, audit or operational review requests, and timely follow-up of actions.
• Support training, user guidance and small-scale process improvements or automation under senior supervision.
• Build knowledge of credit policies and regulatory requirements, including ECB expectations, and support their implementation and ongoing maintenance across systems, controls, reporting and processes.

Knowledge and Skills

• Degree or equivalent qualification in a relevant discipline, or evidence of strong analytical capability.
• Strong attention to detail and an organised approach to data, reporting, documentation and deadlines.
• Good Microsoft Excel skills and confidence learning new systems and data tools.
• Clear communication and a collaborative, professional approach to stakeholder support.
• Curiosity, self-motivated, sound judgement and a willingness to learn credit risk policies, controls and regulatory requirements.
• Basic knowledge of SQL, Power BI, Python, Alteryx or similar tools.
• Academic, internship or project experience in business analysis, data, systems, process improvement, risk or financial services.
• Awareness of testing, change management, management information or service level reporting. Prior credit risk experience is not required.
• Awareness of AI tools and data-driven technologies, with an interest in applying them to business analysis, process improvement and operational efficiency.

What we offer

For all the expertise and experience you bring to help us make a difference, it’s only sustainable if we support you to build your career and be your best self so we offer competitive company benefits, centred around promoting positive well-bring and work-life balance. We also believe in fostering a diverse and inclusive work environment, where all team members perspectives and contributions are valued. Initiatives in place which promote a diverse and inclusive culture and healthy work life balance include hybrid working, Sport & Social Clubs and Diversity and Inclusion networks.

As an employee of SMBC you have access to a host of both useful and exciting benefit offerings. See below some of the benefits on offer to you:

• Hybrid and flexible working
• Competitive paid leave days
• Benefits to support your physical wellbeing, including private medical insurance and life and invalidity insurance
• Various policies to support your mental wellbeing, including a robust behavioural health network with counselling and coaching services
• Access a wide range of learning and development opportunities and career progression opportunities

We recognise our role as a bank to support social change and welcome all applications, including those from groups often under-represented in financial services. We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing the sustainable growth of our organisation. We’ll ensure reasonable adjustments to our recruitment process are offered due to a disability or long-term condition whenever requested.

We are committed to transparent and equitable pay practices. Compensation is determined using objective criteria, including skills, experience, and role responsibilities, and applied consistently throughout our recruitment processes. We do not request candidates' pay history and are committed to preventing unjustified pay disparities.