Senior Credit Risk Portfolio Management Analyst

Job Description

Job Description

Purpose of the role: To manage and optimise the bank’s overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio.

Accountabilities

• Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions.
• Analysis of credit trends, identify early warning signs of potential borrowers’ issues, and assess the impact of economic and market developments on the portfolio.
• Development and utilisation of 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.
• Definition and setting of portfolio, segment and customer risk appetite, policy and limits.
• Oversee first line execution within these parameters.

Expectations

• Advise and influence decision making, contribute to policy development, and take responsibility for operational effectiveness.
• Collaborate closely with other functions / business divisions.
• Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function.
• Set objectives and coach employees in pursuit of those objectives, appraise performance relative to objectives and determine reward outcomes.
• Demonstrate leadership behaviours: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others; or, for an individual contributor, lead collaborative assignments and guide team members through structured assignments, identify the need for inclusion of other specialisations, and identify new directions for assignments and/or projects using cross functional methodologies or practices.
• Consult on complex issues; provide advice to People Leaders to support the resolution of escalated issues.
• Identify ways to mitigate risk and develop new policies / procedures in support of the control and governance agenda.
• Take ownership for managing risk and strengthening controls in relation to the work done.
• Perform work closely related to that of other areas, requiring an understanding of how areas coordinate and contribute to the achievement of the organisation’s objectives.
• Collaborate with other areas of work, keeping up to speed with business activity and strategy.
• Engage in complex analysis of data from multiple internal and external sources to solve problems creatively and effectively.
• Communicate complex information.
• Influence or convince stakeholders to achieve outcomes.

Values and Mindset

All colleagues are expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship, and the Barclays Mindset – to Empower, Challenge and Drive.

Why Join

Join us as a Senior Credit Risk Portfolio Management Analyst within Barclays where you will help shape the future of banking by focusing 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. Additionally, the role includes delivering change and transformation, while regularly identifying, managing, and clearly articulating credit risks and controls.

Qualifications

• Degree or equivalent qualification with a strong analytical focus, ideally within a STEM, quantitative, or data driven discipline.
• Experience interrogating large data sets, identifying trends, risk and opportunities.
• Proven experience working as an analyst, with the ability to operate as a proactive self starter.
• Excellent problem solving skills, with strong numerical capability and a logical, structured approach to analysis.
• Experience using programming or analytical languages to run coding scripts and analyse, interpret, and validate data outputs.
• Experience querying and analysing data from relational databases using SAS/SQL, alongside strong knowledge of advanced Excel capabilities.
• Strong credit risk and financial analysis skills, with the ability to assess and interpret financial performance and risk indicators.
• Experience working within a Financial Services environment, with an understanding of regulated business contexts.
• Experience translating analysis into clear proposals.
• Proven ability to build and maintain effective working relationships with key colleagues and stakeholders.

Other Requirements

You may be assessed on key critical skills relevant for success in the role, such as risk and controls, change and transformation, business acumen, strategic thinking, digital and technology, as well as job specific technical skills. This role can be based in Edinburgh or Glasgow.