Credit Risk Portfolio Senior Analyst

Join us as a Credit Risk Portfolio Senior Analyst within Barclays where you will help shape the future of banking by monitoring and managing credit risk across lending products such as loans and credit cards. It focuses on determining customer eligibility through credit checks, supporting effective credit risk management, and producing high quality management information to track portfolio performance. Day to day, the role involves running SAS scripts, producing regular reporting and insight packs for senior management, and supporting decision making through accurate analysis.

The position acts as a stepping stone into broader portfolio and credit risk management roles, offering exposure to data driven risk monitoring and governance activities.

To be successful as a Credit Risk Portfolio Analyst you will have:

• Strong credit risk and financial analysis skills, with the ability to assess and interpret financial performance and risk indicators.
• Experience querying and analysing data from relational databases using SAS/SQL, alongside strong knowledge of advanced Excel capabilities.
• Proven experience working as an analyst, with the ability to operate as a proactive self starter.
• Experience using programming or analytical languages to run coding scripts and analyse, interpret, and validate data outputs.
• Considerable ability to understand, interpret, and identify trends and patterns within complex datasets.
• Excellent problem solving skills, with strong numerical capability and a logical, structured approach to analysis.
• Proven ability to build and maintain effective working relationships with key colleagues and stakeholders.

Some other desirable skills may include:

• Strong credit risk and financial analysis skills, with the ability to assess and interpret financial performance and risk indicators.
• Experience working within a Financial Services environment, with an understanding of regulated business contexts.

This role can be based in Edinburgh or Glasgow.

You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job‑specific technical skills.

To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio.

• Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions.
• Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio.
• Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses.
• Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile.
• Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters.

• To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions / business divisions.
• Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes.
• If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.
• OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the…