Credit Risk Modelling Manager

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)