Credit Risk Analytics Manager

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 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) *** No sponsorship is available so only those who have the right to work in the UK unrestricted are able to be considered *** Apply online for a quick turnaround