Credit Risk Management Associate

SMBC Group; Greater London; Hybrid; GBP 55,000 - 90,000; Full time

Benefits offered by this job

Hybrid and flexible working

Competitive paid leave days

Private medical insurance

Life and invalidity insurance

Mental wellbeing support

Learning and development opportunities

Job summary

SMBC Group EMEA is seeking an Associate in the Credit Planning, Portfolio Intelligence & Sustainability team to drive data-driven credit management capabilities across portfolio intelligence, credit transformation and sustainability risk. You will work as a Business Analyst supporting analysis, data modelling, testing, documentation, reporting and automation across the team.

The role involves developing forward-looking analytics, governance materials and management information for portfolio

Qualifications

• Degree in Finance, Economics, Business, Mathematics, Statistics, Data Analytics or related discipline.
• Relevant professional qualification desirable.
• 2-5 years' experience in Risk Management, Finance, Data Analytics, Credit Risk, Business Management or related disciplines.
• Experience working with management reporting, data analysis or process improvement.
• Banking or financial services experience desirable.

Responsibilities

• Credit cost analysis and governance materials preparation.
• Support portfolio analytics, risk reporting and governance forums.
• Develop data infrastructure and dashboard reporting.
• Assist with credit transformation initiatives and testing.

Skills

Advanced Excel

Power BI

SQL

Python

Data analysis

Communication

Education

Degree in Finance/Economics/Business/Math/Stats/Data Analytics

Tools

SQL

Python

Dashboard design

Job description

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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

Is the next step in your career atSMBC Group EMEA? We’re looking for anAssociate for our Credit Planning, Portfolio Intelligence & Sustainability team.

The role will support the development of forward-looking, data-driven credit management capabilities across portfolio intelligence, credit transformation, data & MI, sustainability risk and credit cost management. The Associate will work as a Business Analyst, supporting analysis, data modelling, testing, documentation, reporting and automation activities across the team.

Essentials of the role

Support portfolio analysis, management reporting, data validation, dashboard development and reporting automation.
Assist business analysis, requirements gathering, process documentation, testing and implementation for credit transformation initiatives.
Prepare high-quality materials and analysis for governance, portfolio review and management discussion.

Candidate requirements

2–5 years’ experience in risk management, finance, data analytics, credit risk, business management or a related discipline.
Strong analytical capability, attention to detail, written communication skills and ability to work with data.
Advanced Excel and PowerPoint skills; Power BI, SQL, Python or business analysis experience would be desirable.

Business Area

Credit Planning is a strategic capability-building function within EMEA Credit Department.
The team develops forward-looking, data-driven credit management capabilities across credit cost management, portfolio intelligence and credit transformation.
It works closely with senior management, Credit Risk, Front Office, Data and global stakeholders to strengthen portfolio oversight, credit cost management and alignment with the Bank's global risk framework.

Responsibility

1. Credit Cost & Problem Asset Management

Assist preparation of credit cost analysis and IFRS & JGAAP standard report.
Support problem asset monitoring and reporting activities.
Prepare management information used in governance forums.
Support production of regular portfolio risk reporting.
Assist preparation of governance materials and committee papers.
Maintain process documentation and operating guidance.
Support maintenance of controls and governance standards.

2. Data & Management Information

Support development of data and reporting infrastructure.
Validate data used within management reports.
Support dashboard development and data visualisation.
Contribute to reporting automation initiatives.

Support the delivery and enhancement of portfolio intelligence capabilities.
Support portfolio analysis activities.
Support early warning monitoring and deterioration tracking.
Assist with portfolio reviews and risk trend analysis.
Support stress testing exercises and scenario analysis.
Contribute to development of portfolio monitoring methodologies.

4. Credit Transformation

Support strategic change initiatives across EMEA Credit Department.
Support global credit transformation (GCTx) and associated system integration project activities.
Assist business analysis and requirement gathering.
Support process redesign and documentation.
Participate in testing and implementation activities.
Support identification of operational efficiency opportunities.

Knowledge, Skills, Experience and Qualifications

Experience

• 2-5 years' experience in Risk Management, Finance, Data Analytics, Credit Risk, Business Management or related disciplines.
• Experience working with management reporting, data analysis or process improvement.
• Banking or financial services experience desirable.

Knowledge

• Understanding of basic credit risk concepts and banking products.
• Understanding of management information and reporting processes.
• Awareness of governance and control environments.
• Interest in portfolio management, sustainability risk and credit transformation.

Skills

• Analytical
• Strong analytical and problem-solving capability.
• Ability to work with large data sets and identify patterns.
• Strong attention to detail.
• Communication
• Strong written communication skills.
• Ability to prepare professional management materials.
• Ability to communicate effectively with stakeholders.
• Delivery
• Strong organisational skills.
• Ability to manage multiple priorities.
• Continuous improvement mindset.
• Desire to challenge existing processes and identify efficiencies.

Technical Skills

Essential

• Advanced Excel.
• PowerPoint.
• Data manipulation and reporting capability.

Desirable

• Power BI.
• SQL.
• Python.
• Process mapping and business analysis techniques.

Qualifications

• Degree in Finance, Economics, Business, Mathematics, Statistics, Data Analytics or related discipline.
• Relevant professional qualification desirable.

Customer Focus

Driving Change

Driving Results

Judgement and Decision Making

Strategic and Visionary

Trust and Integrity

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

About SMBC

A trusted partner for the long term
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, we deliver a full suite of corporate finance products and solutions to our customers, including corporate, structured and trade finance, leveraged finance, loan market and treasury products. We can also provide investment banking and advisory services and a range of innovative solutions in global capital markets.
Find out more about what we do and who we are at https://www.smbcgroup.com/emea/careers