Credit Risk Management Analyst

Credit Risk Management Analyst, Belfast/ London

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.

Job Title: UK Credit Risk Management Analyst, London/Belfast

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 our role, the needs of our customers and business requirements.

Some of our benefits include;

• Variable Pay
• Employee Assistance Programme
• Family leave options

Please click here for further information about AIB’s PACT – Our Commitment to You.

Key Capabilities:

• Customer First
• Ensures Accountability
• Data Insight
• Data Analysis

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. Should you have a reasonable accommodation request please email the Talent Acquisition team at careers.

Disclaimer:

Unsolicited CV’s sent to AIB by Recruitment Agencies will not be accepted for this position. AIB operates a direct sourcing model and where agency assistance is required, the Talent Acquisition team will engage directly with our recruitment partners.

Final date to receive applications: 31st July 2026