Credit Risk Manager

Analytics Manager | Credit Risk | Permanent | Glasgow Hybrid (3 days office)

The Opportunity

• Senior Analytics leadership role within a well-established financial services environment
• Ownership of unsecured credit risk strategy across the full lifecycle including originations, collections & recoveries
• Key position supporting business performance through data-driven insight, predictive modelling and commercial decisioning
• Opportunity to shape and evolve IFRS 9 frameworks alongside advancing AI and machine learning capability
• Visible role working closely with senior stakeholders across Risk, Finance, Operations, Technology

Key Responsibilities

• Own the development, deployment, and optimisation of credit risk strategies across the customer lifecycle
• Lead the predictive modelling approach ensuring alignment to risk appetite, commercial objectives and regulatory expectations
• Monitor portfolio performance using robust MI, segmentation and champion challenger techniques
• Translate analytical insight into clear actionable recommendations to improve business outcomes
• Maintain and enhance IFRS 9 framework including annual model review, governance and documentation
• Develop explainable AI and machine learning models within a well-controlled governance structure
• Lead the delivery of model changes, strategy enhancements and process improvements across the business
• Partner with senior stakeholders to influence decision making and support change delivery

Team Leadership

• Lead, coach, develop a small team of Analysts
• Build strong technical capability alongside commercial understanding
• Promote best practice in analytics, governance and model management
• Foster a high performing, engaged, delivery focused team culture
• Act as deputy to the Head of department when required

About You

• Proven experience in credit risk analytics within financial services
• Strong background in predictive modelling across originations, collections or recoveries
• Advanced capability using SAS or equivalent statistical tools
• Deep understanding of credit risk strategy, portfolio performance and optimisation techniques
• Strong communication skills with ability to influence senior stakeholders
• Experience working within model governance frameworks including IFRS 9

Desirable

• Exposure to AI or machine learning techniques within a regulated environment
• Experience leading or mentoring analytics teams
• Broader understanding of end to end credit lifecycle

Why Consider This Role

• High impact role with real ownership of strategy and models
• Strong balance of technical depth, commercial influence and leadership
• Opportunity to shape future analytics capability including AI adoption
• Collaborative environment with senior stakeholder exposure
• Hybrid working model with flexibility (3 days per week in the Glasgow office)