Join Tesco Bank as a Credit Risk Model Monitoring Manager, leading a team responsible for the ongoing monitoring, governance and performance oversight of Credit Risk models across our lending portfolios.
This is a people leadership role managing a team of specialists focused on the “run” activities associated with Credit Risk models. The team is responsible for model monitoring, performance analysis, governance and model-related analytics, ensuring models remain effective, compliant and fit for purpose throughout their lifecycle.
To be successful in this role, you will have:
- Proven experience leading and developing teams within a Credit Risk modelling, model monitoring or model risk environment.
- Strong understanding of Credit Risk models and their application within retail lending portfolios.
- Experience of model monitoring, model governance and model lifecycle management.
- Strong analytical and data skills, including SAS, SQL, Python or similar tools.
- Excellent stakeholder management and communication skills.
- Knowledge of model risk management frameworks and regulatory expectations.
Highly Valued Skills
- Experience presenting model performance and risk insights to senior stakeholders and governance forums.
- Experience driving process improvements, controls or transformation initiatives.
- Understanding of the Tesco Bank operating environment.
You will be assessed on leadership, risk and controls, stakeholder management, strategic thinking and job-specific technical expertise.
Location: Edinburgh
Purpose of the role
To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.
Accountabilities
- Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.
- Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default.
- Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.
- Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.
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