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.