Credit Risk QA Test Analyst - AVP

14 Jul 2026

London, LND, GB, EC2M 2AT

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SMBC: A trusted partner for the long term

Here at SMBC Group, we want to help you find the next step in your career so read on to discover if this opportunity is the one for you. We like to recognise potential in our people, so we welcome your application even when your experience doesn’t perfectly align with the job description. Whilst we’ll always strive to be better, we’re proud of our inclusive culture, and encourage our applicants and colleagues to be their authentic, unique selves.

Who we are

United by a sense of purpose towards our customers – to be a trusted partner for the long-term – and our universal banking platform in EMEA, SMBC Group has an international growth agenda and award-winning products, meaning we provide exciting opportunities to work on a diverse range of projects and initiatives. We deliver a full suite of corporate finance products and solutions to our customers as well as investment banking and advisory services, and a range of innovative solutions in global capital markets. Read on to find out how you could enhance your skills and gain valuable experience, by joining us to support our clients transition to a sustainable future.

Role Summary

SMBC is seeking a detail-oriented and experienced AVP-level Credit Risk QA professional to carry out functional testing, regression testing, and other quality assurance activities across Credit Risk technology platforms and regulatory change initiatives.

The ideal candidate will bring strong experience in banking or financial services testing, together with a solid understanding of credit risk systems, data flows, and end-to-end testing practices. The role supports both Run-the-Bank (RTB) services and change programmes, helping to ensure the delivery of high-quality, stable, and compliant releases through structured test governance, automation, and effective stakeholder collaboration.

This position will work closely with Risk, Front Office, IT, Data, and Change teams to deliver resilient and scalable solutions aligned with regulatory and business objectives.

Business Area

EMEA Cross-Product Platforms Technology team is the largest part of EMEA Information Technology & Security Department (ITSD). We partner closely with SMBC's EMEA business functions, as well as regional and global technology teams, to deliver integrated technology solutions that span multiple business domains. Our focus is on driving interoperability, scalability, and operational efficiency across the enterprise technology landscape.

Within this organisation, the Risk Management & Credit IT Platforms team is a key technology function responsible for delivering and supporting a portfolio of applications and platforms used across the EMEA region by the Risk Management and Credit departments.

The team plays a critical role in enabling effective risk management, regulatory compliance, data-driven decision-making, and the delivery of strategic business and regulatory change initiatives.

Position Description

Key Responsibilities

Perform functional, regression, integration, and end-to-end testing for Credit Risk systems, enhancements, and regulatory change initiatives.

Validate Credit Risk workflows, calculations, and data accuracy across upstream and downstream systems.

Design, prepare, and execute test cases and scenarios based on business and functional requirements, ensuring appropriate test coverage.

Support release cycles by conducting SIT, UAT, regression testing, and post-release verification activities.

Identify, log, track, and retest defects, working closely with development teams and business stakeholders to ensure timely resolution.

Maintain test artefacts, including test plans, test cases, execution results, and regression packs using Xray or other approved test management tools.

Participate in requirement reviews and stakeholder discussions, providing QA input to improve solution quality, reduce delivery risk, and ensure traceability between requirements and testing.

Assist in the preparation and coordination of test environments, test data, and testing dependencies across multiple teams and workstreams.

Produce clear and accurate test execution, defect, and quality assurance status reports for project and release governance forums.

Ensure adherence to testing standards, governance processes, audit requirements, environment management, test data preparation, and documentation controls.

Work collaboratively with Risk, Front Office, Finance, Data, Technology, and Change teams to support the successful delivery of business and regulatory change.

Contribute to release readiness assessments and support post-implementation verification activities to ensure stable production deployment.

Required Qualifications & Skills

Strong of hands-on experience in functional, regression, and integration testing within banking or financial services.

Experience testing Credit Risk, Risk Management, or Capital Markets platforms, with exposure to areas such as credit exposure, limit monitoring, trade lifecycle processing, collateral management, regulatory reporting, VaR, P&L, sensitivities, or CRR2/CRR3 initiatives.

Strong understanding of Software Development Lifecycle (SDLC), Software Testing Lifecycle (STLC), defect management processes, and quality assurance best practices.

Experience preparing test plans, regression test packs, test evidence, and QA sign-off documentation to support release governance and audit requirements.

Proficiency with test management and collaboration tools such as JIRA, Xray, Confluence, and similar platforms.

Strong analytical skills with the ability to interpret business requirements and translate them into effective test scenarios and test cases.

Good knowledge of SQL, data validation, reconciliation testing, and end-to-end data flow verification.

Exposure to test automation frameworks and scripting tools such as Selenium, Playwright, Cypress, Cucumber, REST Assured, Python, or equivalent automation solutions.

Strong communication and stakeholder management skills, with the ability to work effectively across business, technology, and offshore delivery teams.

Competencies

Customer Focus

Driving Change

Driving Results

Embraces Diversity

Enterprise Leadership

Judgement and Decision Making

Risk Management

Strategic and Visionary

Trust and Integrity

What we offer

For all the expertise and experience you bring to help us make a difference, it’s only sustainable if we support you to build your career and be your best self so we offer competitive company benefits, centred around promoting positive well-bring and work-life balance. We also believe in fostering a diverse and inclusive work environment, where all team members perspectives and contributions are valued. Initiatives in place which promote a diverse and inclusive culture and healthy work life balance include hybrid working, Sport & Social Clubs and Diversity and Inclusion networks.

As an employee of SMBC you have access to a host of both useful and exciting benefit offerings. See below some of the benefits on offer to you:

Hybrid and flexible working

Competitive paid leave days

Benefits to support your physical wellbeing, including private medical insurance and life and invalidity insurance

Various policies to support your mental wellbeing, including a robust behavioural health network with counselling and coaching services

Access a wide range of learning and development opportunities and career progression opportunities

Ambitious remuneration package

So, if you like a challenge and want to continuously grow and develop in a role where you will be supported along the way by a dynamic and diverse team, apply today!!

We recognise our role as a bank to support social change and welcome all applications, including those from groups often under-represented in financial services. We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing the sustainable growth of our organisation. We’ll ensure reasonable adjustments to our recruitment process are offered due to a disability or long-term condition whenever requested.

We are committed to transparent and equitable pay practices. Compensation is determined using objective criteria, including skills, experience, and role responsibilities, and applied consistently throughout our recruitment processes. We do not request candidates' pay history and are committed to preventing unjustified pay disparities.

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About SMBC

A trusted partner for the long term

United by a sense of purpose towards our customers - to be a trusted partner for the long-term - and our universal banking platform in EMEA, we deliver a full suite of corporate finance products and solutions to our customers, including corporate, structured and trade finance, leveraged finance, loan market and treasury products. We can also provide investment banking and advisory services and a range of innovative solutions in global capital markets.

about what we do and who we are at https://www.smbcgroup.com/emea/careers