Senior Credit Risk Portfolio Management Lead

Overview

Senior Credit Risk Portfolio Management Lead responsible for leading a team of 15–16 colleagues focused on credit risk and credit strategy, supporting business growth through scalable and effective credit solutions. The role involves developing, deploying and refining credit strategies in line with regulatory and affordability requirements, responding to changes in the external environment through insight‑led analysis, and understanding key risk drivers.

Responsibilities

• Monitor the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors and geographic regions.
• Analyse credit trends, identify early warning signs of potential borrowers’ issues and assess the impact of economic and market developments on the portfolio.
• Develop and utilise quantitative models and risk‑forecasting tools to measure and predict potential credit losses.
• Perform portfolio stress‑testing exercises to assess the impact of various economic and market scenarios on the portfolio’s risk profile.
• Define and set portfolio, segment and customer risk appetite, policy and limits; oversee first‑line execution within these parameters.
• Contribute to strategy, drive requirements and make recommendations for change; plan resources, budgets and policies; manage and maintain policies and processes; deliver continuous improvements and escalte breaches of policies or procedures.
• When managing a team, define jobs and responsibilities, plan for departmental needs, counsel employees on performance and contribute to employee pay decisions.
• Lead specialists to influence operations in alignment with strategic and tactical priorities, balancing short‑ and long‑term goals and ensuring budgets and schedules meet corporate requirements.
• Advise key stakeholders, including functional leadership teams and senior management, on functional and cross‑functional areas of impact and alignment.
• Manage and mitigate risks through assessment, supporting the control and governance agenda; demonstrate leadership and accountability for managing risk and strengthening controls.
• Collaborate with other areas of work to keep up‑to‑speed with business activity and strategies.
• Create solutions based on sophisticated analytical thought, comparing and selecting complex alternatives.
• Build and maintain trusting relationships and partnerships with internal and external stakeholders; use influencing and negotiating skills to achieve outcomes.
• Demonstrate the Barclays values of Respect, Integrity, Service, Excellence and Stewardship, and the Barclays Mindset—Empower, Challenge and Drive.

Qualifications

• Experience interrogating large data sets, identifying trends, risks and opportunities, and managing teams who do so.
• Credit‑risk experience and understanding of FCA regulations.
• Experience translating analysis into clear proposals.
• Experience managing risk and controls.
• Experience in leadership, managing multiple senior stakeholders.
• Experience in credit‑risk portfolio management and understanding of credit models.
• Strong business acumen, strategic thinking and digital/technology skills.
• Ability to work in Edinburgh or Glasgow.

Location

Edinburgh or Glasgow.

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