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Credit Risk Modelling Manager

Change Recruitment
G22Nr, United Kingdom
2 weeks ago
£70,000 – £85,000 pa

Salary

£70,000 – £85,000 pa

Job Type
Permanent
Work Location
Hybrid
Seniority
Senior
Education
Degree
Posted
13 May 2026 (2 weeks ago)
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Analytics Manager | Permanent | Glasgow Hybrid (3 days office) | Competitive Salary + Package

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)

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