Senior Credit Risk Portfolio Management Lead

Responsibilities

• Manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio.
• Monitor the financial performance and risk profile of the lending portfolio, including individual borrowers, sectors, and geographic regions.
• Analyse credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio.
• Develop and utilise quantitative models and risk forecasting tools to measure and predict potential credit losses.
• Perform portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile.
• Define and set portfolio, segment and customer risk appetite, policy and limits.
• Advise key stakeholders, including functional leadership teams and senior management on functional and cross-functional areas of impact and alignment.

Requirements

• Experience interrogating large data sets, identifying trends/risk/opportunities, and managing teams who do so.
• Credit risk & Affordibility experience
• Understanding of FCA regulations
• Experience translate analysis into clear proposals
• Experience in managing risk and controls
• Experience in leadership, managing multiple senior stakeholders
• Experience in credit risk - portfolio management
• Understanding of credit models

Core Competencies

Demonstrates expertise in credit risk management, including portfolio analysis, quantitative modeling, and stress testing. Proficient in advising stakeholders and translating complex data insights into actionable proposals while ensuring compliance with FCA regulations.