Credit Risk Analytics Manager | 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
* 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
* 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)
*** No sponsorship is available so only those who have the right to work in the UK unrestricted are able to be considered ***
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