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.

The anticipated salary range for this role is £68,000 - £102,000, with the final offer determined based on the candidate's skills, experience, role scope, location, and relevant market factors. In addition to base salary, the role may be eligible for a discretionary incentive award and a competitive benefits package, including core benefits such as pension provision.

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 hands-on functional, system integration, UAT, regression and end-to-end testing across Risk applications, enhancements, and regulatory change initiatives.
• Review business and functional requirements and translate them into test scenarios, test cases, and appropriate test coverage, ensuring traceability throughout the testing lifecycle.
• Validate Risk workflows, business rules, calculations, data flows, and reporting outputs across upstream and downstream systems.
• Perform SQL-based data validation and reconciliation testing, verifying data accuracy, completeness, and end-to-end processing across Risk applications.
• Test interfaces, APIs, batch processes, and system integrations where applicable, ensuring accurate processing between interconnected platforms.
• Prepare and maintain test plans, test cases, regression packs, execution results, and test evidence using Jira, Xray or other approved test-management tools.
• Identify, log, track, and retest defects, supporting defect analysis, root-cause investigation and fix validation with development and business teams.
• Support test automation and regression optimisation by identifying suitable test cases for automation, executing automated regression packs and analysing failures.
• Coordinate test environments, test data, access, and dependencies across multiple teams and workstreams.
• Apply a risk-based testing approach, prioritising testing according to business impact, change complexity, regulatory requirements, and production risk.
• Produce clear reporting on test execution, defects, risks, dependencies and overall quality status for project and release governance.
• Support release readiness, QA sign-off and post-implementation verification, helping ensure stable production deployment.
• Ensure testing complies with established QA standards, SDLC/STLC controls, governance, documentation, and audit requirements.
• Collaborate with Risk, Front Office, Finance, Data, Technology, Change and Development teams to support effective delivery of business and regulatory change.
• Contribute to the continuous improvement of regression coverage, automation, testing practices, and QA efficiency.

Required Skills and Qualifications

• Strong hands-on experience in functional, system integration, regression and end-to-end testing within banking or financial services.
• Experience testing Risk Management or Credit Risk applications, with a good understanding of business processes and end-to-end system dependencies.
• Exposure to Risk areas such as credit exposure, limit monitoring, collateral management, regulatory reporting, trade lifecycle processing, market risk, or capital calculations.
• Strong SQL and data-validation skills, including reconciliation and end-to-end verification across source and target systems.
• Experience validating complex business rules, calculations, workflows and data flows across integrated applications.
• Good understanding of SDLC, STLC, defect management and risk-based testing.
• Experience using Jira, Xray, Confluence or equivalent tools for test management, traceability, defect management, evidence and reporting.
• Experience preparing test plans, test cases, regression packs, test evidence and QA sign-off documentation.
• Ability to analyse business and functional requirements and translate them into effective test scenarios and test cases.
• Experience investigating defects, analysing evidence and contributing to root-cause analysis and resolution.
• Exposure to test automation, with the ability to identify appropriate regression scenarios for automation and work with automated test packs.
• Experience working within a governed or regulated environment, including appropriate documentation, audit and release controls.
• Strong analytical, communication and stakeholder-management skills, with the ability to work effectively across business and technology teams.

Desirable Skills and Experience

• Good understanding of Credit Risk concepts and processes, including exposure, limits, collateral, counterparty risk and credit-related reporting.
• Knowledge of other Risk domains such as Market Risk, Liquidity Risk, Model Risk or regulatory capital.
• Exposure to regulatory change initiatives such as CRR2/CRR3 or other relevant banking regulations.
• Experience testing trade lifecycle and Front-to-Back processes and understanding their impact on downstream Risk platforms.
• Experience with ETL, data warehouse, data quality or data lineage testing.
• Experience testing APIs, interfaces and batch-processing solutions using tools such as Postman or REST Assured.
• Familiarity with CI/CD and source-control tools such as Jenkins, Bamboo, Git or GitLab.
• Experience working with vendor-provided Risk platforms or complex multi-application banking environments.
• ISTQB Foundation Level or another recognised software testing qualification.

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.

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

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