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

MUFG is seeking an Analyst for their Credit Risk Policy and Frameworks team in London, offering you the opportunity to join a globally respected financial institution renowned for its commitment to excellence, integrity, and inclusive culture.

What you’ll do

• Partner with colleagues across multiple regions to develop robust credit risk frameworks that meet regulatory expectations and business needs.
• Contribute to the development and maintenance of the EMEA credit risk management framework, 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 raise portfolio vulnerabilities to key stakeholders.
• Participate in the running of the EMEA Regional Credit Committee by providing 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 collaboration with risk specialists.
• Work with global teams, including CPPD, to share best practices, support policy development, and influence global standards appropriate for MUFG.
• Support credit‑related projects within EMEA and 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 cooperation 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 the RCSA framework.
• Provide support for New Product Approvals as the Credit SME by reviewing proposals critically and challenging first and second lines of defence to maintain a robust operating environment.

What you bring

• Proven track record in credit risk management and deep familiarity with corporate banking products.
• Strong analytical skills to assess complex portfolios accurately.
• Excellent organisational abilities, managing multiple priorities simultaneously with accuracy under tight deadlines.
• Clear communication skills, both written and verbal, for drafting reports and presenting solutions to senior management.
• Previous experience in Credit Risk Management within corporate or investment banking environments.
• Understanding of corporate banking products and financial instruments available in the market.
• Proficiency in Microsoft Office products and data‑driven decision‑making processes.
• Ability to multi‑task independently, using initiative and being proactive without direct supervision.
• Flexible attitude and meticulous attention to detail, enabling adaptation to changing environments while delivering reliable results.
• Experience developing credit policies or risk appetite frameworks is highly desirable.
• Familiarity with Open Pages or similar systems to support oversight responsibilities within risk control environments.
• Bachelor’s degree or equivalent banking experience providing foundational knowledge needed for the position.

Benefits

• Flexible working arrangements that allow you to balance personal commitments with career ambitions.
• Access to comprehensive training programmes designed to enhance professional development and support career progression.
• Generous pension contributions reflecting a commitment to long‑term wellbeing.
• Opportunities to work closely with international teams across EMEA, Americas, Asia, and Tokyo HQ, influencing global best practice in credit risk management.
• Supportive leadership structure that values both individual achievement and collective progress.

EEO Statement

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.