Credit Risk Specialist - 12 Month FTC

Credit Risk Specialist - 12 Month FTC

Edinburgh | Hybrid (2 days office)
Up to £70,000

We're looking for a Credit Risk Specialist to join a high-performing team shaping credit and affordability strategies for existing customers.

In this role, you'll be part of the first line of defence, developing and optimising lending strategies that balance commercial opportunity with responsible risk management. You'll use your analytical expertise to monitor portfolio performance, identify new lending opportunities, and explore data-driven ways to improve decision-making.

What you'll be doing:

• Develop, refine, and execute credit and affordability strategies for existing customer portfolios.
• Monitor portfolio performance and MI, ensuring lending remains within risk appetite and supports positive customer outcomes.
• Identify and assess new data sources, technologies, and tools to enhance credit decisioning and efficiency.

What you'll bring:

• Proven experience in credit risk or portfolio analytics
• Essential experience is excellent skills in SAS ideally but open to Python or R
• A sharp, data-driven mindset with commercial awareness
• Confidence to turn complex analysis into clear, actionable insights
• Ideally retail banking background but open to other Financial Services

This role will suit someone who loves using data to tell a story - someone curious, commercially minded, and confident in shaping lending strategies that balance risk and reward. Ideal for someone that is keen to join an organisation during an exciting period of transformation.

Apply now to find out more!

Reasonable Adjustments:

Respect and equality are core values to us. We are proud of the diverse and inclusive community we have built, and we welcome applications from people of all backgrounds and perspectives. Our success is driven by our people, united by the spirit of partnership to deliver the best resourcing solutions for our clients.

If you need any help or adjustments during the recruitment process for any reason, please let us know when you apply or talk to the recruiters directly so we can support you.