Full job descriptionSMBC: 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 th