Ref #
9324
Location
Edinburgh
Department
Business Area
Banking Risk
Working time
Full-Time
Date Published
01-05-2025
Serving our customers, communities, and planet a little better every day.
Salary - up to £100k + annual bonus & benefits
Location – Edinburgh or Glasgow
Office Attendance - Our roles are hybrid; however, you should be able to travel to our Edinburgh office 1 days per week for this position.
This role is a 12 month FTC position
Closing Date – Applications close on 16th May at 5pm
A chance to thrive
We are looking for an experienced Credit Risk Senior Manager to lead our existing customer credit strategy team at Tesco Bank, part of Barclays Bank UK Plc.
Join us at this exciting time and lead a high-performing team of credit analysts and specialists in the first line of defence.
You’ll set and optimise the strategy for managing the credit risk of existing credit card customers, that supports sustainable growth, and is within Risk Appetite limits.
What you’ll be doing
• Developing and executing the credit and affordability strategies and rules for managing the credit exposure to existing customers, operating within credit risk appetite constraints and delivering good customer outcomes.
• Identifying and evaluating new trade opportunities for lending to existing customers.
• Monitoring monthly MI to evaluate the performance of back book credit strategies and affordability against expectations. Ensure lending remains within Risk Appetite and driving correct action on segments that are outside of expectations.
• Identifying and evaluating new data sources, technologies and tools that can be used to make better lending decisions for existing customers and/or drive operational efficiencies. Creating the business case to drive the adoption and implementation of these.
• Collaborating positively with a wide range of stakeholders within Credit Risk, Second Line Risk, Credit Risk Modelling, Commercial and Finance.
We need you to have
• Demonstrable experience within a Credit Risk function or similar analytical role, managing a high-performing team of credit analysts and specialists.
• Strong knowledge of retail Credit Risk Management techniques.
• Excellent numeracy skills and ability to understand and solve problems.
And if you have any of these, even better
• Experience in setting clear objectives, providing regular feedback, and ensuring continuous professional development for team members.
• Ability to communicate results of analysis effectively using a range of tools.
We don’t expect you to tick every box, and if you feel you hit most of the brief, it’s worth exploring to further develop your career here with us.
What’s in it for you
• Prepare for your retirement with our colleague pension scheme.
• Private Medical Insurance (WL2+) and virtual GP Service 365 days a year.
• Performance related annual bonus.
• Indulge in a generous holiday allowance with a minimum of 7.2 weeks, with the opportunity to buy more.
• Embrace the benefits of our Colleague Clubcard, enjoy a 10% discount that increase to 15% every payday (worth up to 2K). As an added perk, we’ll give you a second card to share with someone else.
• Benefit from our family-oriented initiatives, encompassing enhanced maternity leave pay, a shared parental leave policy, and a generous paid paternity leave.
• A place to get on - take advantage of our ongoing learning opportunities and training, to help you achieve the job and career you want.
Everyone’s welcome
We want all our colleagues to always feel welcome and be themselves at Tesco Bank, part of Barclays Bank UK Plc. We’re committed to building a more inclusive workplace and celebrating everything that makes colleagues unique, and value the richness and diversity this brings to our business. A more diverse business helps us deliver on our purpose to serve our customers, communities, and planet a little better every day.
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How to apply
We value our people anddiverse teams and believe the variety of backgrounds and experiences make usstronger to achieve our goals.
Our colleagues are workinghybrid, taking time to meet with colleagues in our offices for moments thatmatter, such as team catch ups, planning meetings and more. If you’reinterested in finding out more about what a career at Tesco Bank looks like,click apply to find out more!
Why Tesco Bank?
Whether we’re helping our customers or looking afterour people, you’ll find there’s a warmth and friendliness to everything we do.
It means we put your wellbeing first and give you bagsof support, training and development, so you can build the career that’s rightfor you. It’s about looking after each other with the same care that we give toour customers.
We’ve created an environment where everyone feelsincluded, accepted and welcome. Which means you can bring your whole self towork every day and totally thrive at the same time.
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