Credit Risk Specialist

Addition Solutions Ltd; City of Edinburgh; Hybrid; GBP 55,000 - 70,000; Full time

Job summary

A leading UK bank in Edinburgh is seeking a Credit Risk Manager on a 12-month fixed-term contract. The ideal candidate will have a minimum of 4 years of experience in credit risk, with strong analytical skills and proficiency in SAS, SQL, and Excel. This position offers a competitive salary, performance bonus, and comprehensive benefits including private medical insurance and generous holiday policies.

Benefits

Competitive salary

Performance bonus

Private medical insurance

Generous pension scheme

Enhanced family leave policies

7.2 weeks’ holiday with option to buy more

Qualifications

• Minimum of 4 years of experience in a Credit Risk role.
• Background in Banking or Financial Services.
• Excellent understanding of credit and affordability risk management.

Responsibilities

• Develop and implement credit and affordability strategies.
• Optimise credit exposure within defined risk appetite.
• Monitor portfolio performance and deliver actionable insights.
• Identify new opportunities for responsible lending.
• Evaluate and implement new data sources and technologies.
• Collaborate with teams across various departments.

Skills

Credit Risk experience

Analytical skills

Problem-solving skills

SAS proficiency

SQL proficiency

Excel proficiency

Stakeholder management

Communication skills

Job description

JoinaleadingUKbankthat’sfocusedonhelpingcustomers,communities,andtheplanetthrive.You’llplayakeyroleinshapinghowthebusinessmanagescreditexposureanddrivessustainablegrowthacrossitsexistingcustomerbase.

Role Overview

RoleType: 12Monthfixedtermcontractwithpotentialforextension

Location: CentralEdinburgh,2daysperweekonsite

Package: £55,000-£70,000pa,AnnualBonus&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.

Weareanequalopportunityemployerandvaluediversityatourcompany.Wedonotdiscriminateonthebasisofrace,religion,colour,nationalorigin,gender,sexualorientation,age,maritalstatus,veteranstatus,ordisabilitystatus.