Credit Strategy Risk Analyst

NatWest Group; City of Edinburgh; Hybrid; GBP 45,000 - 60,000; Full time

Job summary

A major financial institution in Edinburgh is seeking a Credit Strategy Risk Analyst to support credit strategy development and manage unsecured lending portfolios. The ideal candidate will possess experience in coding languages like SAS, SQL, or Python, and have excellent analytical skills. This role offers a hybrid working environment and a chance to collaborate across the organization on strategic initiatives.

Qualifications

• Experience with coding languages such as SAS, SQL, or Python.
• Excellent analytical skills.
• Good understanding of the banking industry and risk management.

Responsibilities

• Support credit strategy through product design and portfolio management.
• Maintain risk and decision support models.
• Manage portfolio credit risks and deliver impairments.

Skills

SAS

SQL

Python

Analytical skills

Project management

Tools

Analytical tools

Presentation tools

Job description

Join us as a Credit Strategy Risk Analyst.

• We\'ll look to you to support our credit strategy through the influence and ownership of new product design, account opening, portfolio management, innovation or arrears, covering strategy and policy
• You\'ll be supporting the development of unsecured personal and private lending portfolios, assessing and recommending opportunities where appropriate
• This is an opportunity to gain exposure as you work with teams across the bank to design, sign off, implement, test and monitor credit policies

What you\'ll do

As a Credit Strategy Risk Analyst, you\'ll be supporting the unsecured business through developing and maintaining risk and decision support models, providing other analytically driven insight and innovative solutions to achieve future strategic priorities.

• Supporting the management of portfolio credit risks including bad debt provisions, risk weighted assets and costs, delivering impairments and provision cover within limits
• Making sure that the Unsecured personal and private credit risk portfolios continue to perform within risk limit frameworks
• Driving active and effective change management through the successful design, development and delivery of key strategic initiatives
• Liaising and influencing the franchise regarding ongoing credit customer management and projects
• Providing insight and challenge where appropriate, driving the automation agenda

The skills you\'ll need

To succeed in this role, you\'ll need experience with coding languages e.g. SAS, SQL, or Python, coupled with excellent analytical skills. As well as this, you\'ll need a good understanding of the banking industry, its risk management and the regulatory requirements.

In addition, you\'ll demonstrate:

• Proficiency with analytical and presentation tools
• Previous experience of the development and practical application of risk
• Project management skills and the ability to work as a team and with stakeholders
• The proven ability to explain technical subject matter to a nontechnical audience

Hours

35

Job Posting Closing Date

06/10/2025

Ways of Working: Hybrid