Credit Risk Policy & Frameworks; Credit Risk Appetite and Governance Analyst - 12 month FTC

What you'll do:

• Contribute to the development and maintenance of the EMEA credit risk management framework by identifying areas for improvement and supporting initiatives that ensure alignment with regulatory standards.
• Support the establishment and upkeep of EMEA regional credit policies by collaborating with relevant divisions to ensure consistency with Head Office procedures and regulatory requirements.
• Assist in horizon scanning for new regulations affecting credit risk management and proactively escalate portfolio vulnerabilities to key stakeholders.
• Participate in the running of the EMEA Regional Credit Committee by providing sound governance support and ensuring effective policy enforcement across divisions.
• Enhance credit risk appetite frameworks, concentration risk management strategies, Climate/ESG frameworks, Credit Strategy, and Credit Culture for EMEA through collaborative efforts with risk specialists.
• Work in partnership with global teams including CPPD to share best practices, provide support on policy development, and influence global standards appropriate for MUFG.
• Support credit-related projects within EMEA as well as bank-wide initiatives by contributing insights that help achieve project objectives efficiently.
• Build strong relationships with stakeholders across EMEA, Americas, Asia, and Tokyo HQ to foster co-operation and support the wider network's goals.
• Coordinate timely remediation of audit points by ensuring compliance with internal controls and maintaining oversight of risk control environments such as SII remediation and RCSA framework.
• Provide support for New Product Approvals as Credit SME by reviewing proposals critically and challenging first and second lines of defence to maintain a robust operating environment.

What you bring:

• Previous experience working in Credit Risk Management within corporate or investment banking environments is essential for success in this role.
• A thorough understanding of corporate banking products as well as financial instruments available in the market is required.
• Excellent organisational skills demonstrated through managing complex workloads efficiently while maintaining accuracy under tight deadlines.
• Outstanding English verbal and written communication abilities are necessary for presenting ideas clearly to senior management and colleagues alike.
• Proficiency in Microsoft Office products enables you to handle administrative tasks effectively while supporting data-driven decision‑making processes.
• The ability to multi–task independently using initiative while being proactive ensures you can respond quickly without direct supervision.
• A flexible attitude combined with meticulous attention to detail allows you to adapt positively within changing environments while delivering reliable results.
• Experience developing credit policies or risk appetite frameworks is highly desirable as it enhances your capacity for policy creation.
• Familiarity with Open Pages or similar systems supports your oversight responsibilities within risk control environments.
• A Bachelor's degree or equivalent banking experience provides foundational knowledge needed for this position.

We are open to considering flexible working requests in line with organisational requirements. MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership. We make our recruitment decisions in a non‑discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.