Credit Strategy Risk Manager

AMS is a global workforce solutions partner committed to creating inclusive, dynamic, and future-ready workplaces. We help organisations adapt, grow, and thrive in an ever-evolving world by building, shaping, and optimising diverse talent strategies.

Our Contingent Workforce Solutions (CWS) is one of our service offerings. Acting as an extension of their recruitment teams, we connect them with skilled interim and temporary professionals, fostering workplaces where everyone can contribute and succeed.

Our client, a major UK retail bank, provides every day banking services to over 17 million retail customers. The banks expertise and services span across Business Services, Corporate banking, Wealth Management, Group Functions, Retail and Investment Banking.

On behalf of this organisation, AMS are looking for a Credit Strategy Risk Manager for a contract until the end of 2026 based in Edinburgh. It will be a hybrid model.

Purpose of the role: To support the development and optimisation of credit strategies across lending products, portfolio management, and customer lifecycle activities. The role focuses on analysing opportunities, shaping credit policies, and working with stakeholders across the bank to design, implement, monitor, and enhance risk-based decision making and portfolio performance.

What you’ll do:

• Develop and maintain credit risk and decision-support models to support strategic business objectives and portfolio performance.
• Monitor and manage portfolio credit risk, including bad debt provisions, impairments, risk-weighted assets, and associated costs.
• Ensure personal and private lending portfolios operate within established risk appetite and regulatory frameworks.
• Analyse portfolio trends and provide data-driven insights to support risk management and business decision-making.
• Lead and support the design, development, and implementation of key credit risk and strategic change initiatives.
• Collaborate with stakeholders across the business to influence customer management strategies, drive automation, and provide constructive risk challenge where appropriate.

The skills you’ll need:

• Strong analytical and problem-solving skills with experience using coding languages such as SAS, SQL, or similar.
• Solid understanding of banking, credit risk management, and regulatory requirements.
• Proficiency in analytical, reporting, and presentation tools to deliver data-driven insights.
• Experience developing, implementing, and monitoring risk strategies, models, and frameworks.
• Strong project management and stakeholder engagement skills, with the ability to work effectively across teams.
• Excellent communication skills, with the ability to translate complex technical concepts into clear business-focused recommendations for non-technical audiences.

AMS, a Recruitment Process Outsourcing Company, may in the delivery of some of its services be deemed to operate as an Employment Agency or an Employment Business.