Overview
Credit Risk Specialist - 12 Month FTC at Tesco Bank, Edinburgh. Hybrid working with travel to the Edinburgh office required 2 days per week. Fixed-term contract: 12 months. Closing date: applications close on 10th September at 5pm.
Job Title: Credit Risk Specialist - 12 Month FTC
Ref #: 9360
Location: Edinburgh
Department: BAR - Credit Risk, Customer & Portfolio Management
Business Area: Banking Risk
Working time: Full-Time
Date Published: 23-07-2025
What you’ll be doing
* Developing and executing the credit and affordability strategies and rules for managing the credit exposure to existing customers, operating within credit risk appetite constraints and delivering good customer outcomes.
* Identifying and evaluating new trade opportunities for lending to existing customers.
* Monitoring monthly MI to evaluate the performance of back book credit strategies and affordability against expectations. Ensure lending remains within Risk Appetite and drive correct action on segments outside expectations.
* Identifying and evaluating new data sources, technologies and tools that can be used to make better lending decisions for existing customers and/or drive operational efficiencies. Creating the business case to drive adoption and implementation of these.
* Collaborating positively with a wide range of stakeholders within Credit Risk, Second Line Risk, Credit Risk Modelling, Commercial and Finance.
Requirements
We need you to have
* Strong technical knowledge of Credit Risk and Portfolio Management.
* Previous experience within a Credit Risk function or similar analytical role.
* Proficient in data extraction and manipulation using SAS/SQL and MS Excel.
* Excellent numeracy skills and ability to understand and solve problems.
And if you have any of these, even better
* Ability to communicate results of analysis effectively using a range of tools.
* Good understanding of credit bureau data and characteristics.
* Experience in mentoring and supporting junior colleagues.
We don’t expect you to tick every box, and if you feel you hit most of the brief, it’s worth exploring to further develop your career here with us.
What’s In It For You
* Prepare for your retirement with our colleague pension scheme.
* Private Medical Insurance (WL2+) and virtual GP Service 365 days a year.
* Performance related annual bonus.
* Generous holiday allowance with a minimum of 7.2 weeks, with the opportunity to buy more.
* Colleague Clubcard benefits, including discounts, with an additional card to share.
* Family-oriented initiatives, including enhanced maternity leave pay, shared parental leave, and generous paternity leave.
* Ongoing learning opportunities and training to help you achieve your career goals.
Why Tesco Bank
Tesco Bank is committed to creating an inclusive workplace and celebrating diversity. We strive to support our colleagues’ wellbeing, development, and belonging, so you can bring your whole self to work and thrive.
How to apply
Click apply to learn more about the role and our career opportunities at Tesco Bank. We value diverse teams and backgrounds and believe they strengthen our ability to achieve our goals.
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