Senior Credit Risk Portfolio Management Analyst

Join us as a Senior Credit Risk Portfolio Management Analyst within Barclays where you will help shape the future of banking by focusing on credit risk and credit strategy, supporting business growth through scalable and effective credit solutions. The role involves developing, deploying, and refining credit strategies in line with regulatory and affordability requirements, responding to changes in the external environment through insight led analysis, and understanding key risk drivers.

Additionally, the role includes delivering change and transformation, while regularly identifying, managing, and clearly articulating credit risks and controls.

To be successful as a Senior Credit Risk Portfolio Analyst, you should have:

• Degree or equivalent qualification with a strong analytical focus, ideally within a STEM, quantitative, or data driven discipline.
• Experience interrogating large data sets, identifying trends/risk/opportunities.
• Proven experience working as an analyst, with the ability to operate as a proactive self‑starter.
• Excellent problem solving skills, with strong numerical capability and a logical, structured approach to analysis.
• Experience using programming or analytical languages to run coding scripts and analyse, interpret, and validate data outputs.

Other highly desirable skills may include:

• Experience querying and analysing data from relational databases using SAS/SQL, alongside strong knowledge of advanced Excel capabilities.
• 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.
• Experience translating analysis into clear proposals.
• Proven ability to build and maintain effective working relationships with key colleagues and stakeholders.

This role can be based in Edinburgh or Glasgow.

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.

All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave.