Location/Office Policy:  Molesworth Street, Dublin 2 / Eyre Square, Galway with Hybrid Working

2 days per week in the office, moving to 3 days from 1st January 2026

• Do you want to be a part of a forward-thinking team that strive for strong and effective internal controls?
• Are you detail-oriented with the ability to organise and manage priorities as needed?
• Are you stakeholder focussed with an interest in identifying areas of risk to the business?

What is the Role:

The Group Internal Audit Function is an independent, third line of defence function with primary responsibility to the Group's Board of Directors through the Board Audit Committee. GIA assists the Board of Directors in carrying out its corporate governance responsibilities by providing an independent view on the key risks facing the Group, and on the adequacy and effectiveness of the system of governance, risk management and internal control in managing these risks.

The role is positioned within the GIA Credit team where we undertake reasonable and independent assurance on the management of Credit Risk and its associated control environment, across the First and Second Lines of Defence. GIA are seeking an ambitious and experienced Credit professional to join the Credit Team to assist in the preparation and delivery of the risk-based audit plan. Leading Credit audits from beginning to end, the role includes definition of audit scope, test strategy, execution of testing and reporting, providing independent assurance over the Bank’s operations and effectiveness of internal controls. Additionally, the role will focus on assessing the implementation of agreed actions with the business areas and stakeholders.

Key Accountabilities:

• Lead engagement with the various stakeholders in the end-to-end audit process.
• Undertake risk-based Credit audit work across several business areas, spanning three geographies and regulatory environments.
• Draft Audit documents and reports, present to Group Internal Audit Senior Management, complete and oversee audit testing, and engage with audit stakeholders.
• Contribute to the creation, planning and supervision of the delivery of the Group’s risk-based audit plan.
• Review and challenge actions to further strengthen internal Credit policies and procedures.
• Review the work of others, complete performance reviews and provide ongoing coaching to staff in relation to their performance.

What You Will Bring:

• Proven experience in Credit Risk management (first or second line), and /or Assurance.
• Minimum of 4 years’ experience in financial services and/or audit, with a third-level qualification (preferably in audit, accountancy, risk, or compliance).
• Knowledge and experience of risk management methodologies and frameworks, particularly those relevant to Credit Risk and the regulatory environment in banking.
• Ability to interpret and understand complex credit cases, including the components of credit applications and key credit management judgements across the credit lifecycle (origination and management).
• Technical understanding of credit management actions and their impact on key Credit Risk data, including Expected Credit Losses (ECL), Significant Increase in Credit Risk (SICR), modelled outputs, and Capital Requirements.
• Strong stakeholder engagement skills, with the ability to lead end-to-end audit processes and collaborate effectively across business areas.
• Experience supervising and coaching staff, including performance reviews.

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

Some of our benefits include:

• Market leading Pension Scheme
• Healthcare Scheme
• Variable Pay
• Employee Assistance Programme
• Family leave options
• Two volunteer days per year

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

Key Capabilities:

Behavioural

• Eliminates Complexity
• Ensures Accountability
• Collaborates

Technical

• Auditing
• Credit Risk Analysis
• Negotiation & Influence

If you are not sure about your suitability based on any aspects of the role advertised, we encourage you to please contact the Recruiter for this role, Noelle Ryan at careers@aib.ie  for a conversation.

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 internal.selection@aib.ie or careers@aib.ie

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.  

Application Closing Date:  Friday 21st November (just before midnight)