At a Glance
- Tasks: Use data insights to drive business decisions and present findings to stakeholders.
- Company: Join AIB, a leading bank committed to collaboration and customer-first values.
- Benefits: Enjoy a hybrid working model, competitive pension, healthcare, and volunteer days.
- Other info: Be part of a diverse team with excellent career growth opportunities.
- Why this job: Make a real impact in credit risk management while developing your analytical skills.
- Qualifications: Bachelor's degree and 3 years in financial services with strong data analysis skills.
The predicted salary is between 45000 - 55000 £ per year.
At AIB, our values guide how we work and how we support each other. We're looking for someone who puts Customer First, takes initiative and Owns the Outcome, and is always looking for ways to Eliminate Complexity. You'll treat colleagues and customers with fairness and Show Respect, and you'll thrive in a culture built on collaboration where we Be One Team to deliver meaningful impact.
Location/Office Policy: London/Belfast with 3 days in-office per week.
Do you want to use data insight to drive better business decisions? Are you comfortable presenting ideas to technical and non-technical stakeholders? Are you looking for a hands-on role with a focus on problem solving and presentation?
What is the Role: The UK Portfolio Management Unit supports the AIB UK business strategy by providing timely analysis and MI related to the credit portfolio and driving forward looking analysis and insight. This is a hands-on role that requires attention to detail and self-motivation, and will provide practical experience within our small team to a range of credit risk and strategic concepts. The role will give opportunities to work on high profile projects within the Bank and exposure to senior committees and stakeholders.
Key Accountabilities:
- Communicating analytical findings to senior stakeholders effectively in both written and verbal form
- Analysing and interpreting credit portfolio and external data, supporting a range of asset quality and performance monitoring activities (for example, to support ongoing enhancement of Early Warning Indicators)
- Demonstrating a track record of delivery, and the willingness to learn from peers and apply previous experience and knowledge to bring forward-looking and innovative thinking to the role
- Establishing collaborative relationships across UK and AIB Group functions as the face of UK PMU to develop and deliver reporting solutions for enterprise-wide projects and external regulatory reporting
- Interpreting complex data analysis requirements and leveraging the data warehouse or dashboards to identify and build appropriate solutions
What you Will Bring:
- A Bachelor's degree in a Business, Economics or similar discipline
- Minimum of 3 years of experience with a financial services company
- A demonstrated understanding of risk management and familiarity with lending / credit risk principles and concepts
- Strong demonstrable ability to craft a story around data and contribute content towards senior committees and board/regulatory papers
- Strong communication (both written and verbal) and stakeholder management skills, including an ability to collaborate effectively with both technical and non-technical audiences to deliver high quality and well-controlled reporting solutions
- Strong demonstrable experience of manipulating data to draw insights by using various tools (Excel, Power BI, Qlikview, etc.) to analyse complex datasets, draw conclusions, and present insights/findings/solutions
Nice to have:
- Experience of IFRS9/Expected Credit Losses and credit stress testing is advantageous.
- Knowledge of SQL/SAS/databases (automation, report generation, root cause analysis, writing complex queries) is advantageous.
Why Work for AIB: We are committed to offering our colleagues choice and flexibility in how we work and live and our hybrid working model enables our people to balance their time between working from home and their designated office, subject to their role, the needs of our customers and business requirements. Some of our benefits include; Market leading Pension Scheme, Healthcare Scheme, Variable Pay, Employee Assistance Programme, Family leave options, Two volunteer days per year.
AIB is an equal opportunities employer, and we pride ourselves on being the first bank in Ireland to receive the Investors in Diversity Gold Standard accreditation from the Irish Centre for Diversity. We are committed to providing reasonable accommodations for applicants and employees.
Credit Risk Management Analyst, Belfast/ London employer: AIB NI
AIB is an exceptional employer that prioritises flexibility and work-life balance through its hybrid working model, allowing employees to thrive both at home and in the office. With a strong commitment to employee growth, AIB offers market-leading benefits including a comprehensive pension scheme, healthcare options, and opportunities for community engagement through volunteer days. Join a dynamic team in Dublin where your contributions will shape the narrative of Ireland's largest bank, all while being part of a culture that values trust, collaboration, and clear communication.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Management Analyst, Belfast/ London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like AIB NI. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Risk Management Analyst, Belfast/ London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to AIB NI.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on AIB NI's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at AIB NI
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with AIB NI.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at AIB NI will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former AIB NI employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
