Credit Risk Portfolio Senior Analyst

Credit Risk Portfolio Senior Analyst – Barclays

Location:

Edinburgh (3 anchor days in office)

Join us as a Credit Risk Portfolio Senior Analyst within Barclays, where you will play a key role in shaping and optimising credit risk strategies across lending products such as loans and credit cards.

• Analyse portfolio trends, assess risks and opportunities, and develop evidence‑based recommendations.
• Lead the implementation of strategic and operational change initiatives to improve customer and business outcomes.
• Monitor the financial performance and risk profile of the entire 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 employ quantitative models and risk forecasting tools to measure and predict potential credit losses.
• Perform stress‑testing exercises to assess the impact of various economic and market scenarios on portfolio risk.
• Define and set risk appetite, policy, and limits for portfolio, segments, and customers; oversee first line execution within these parameters.

• Degree or equivalent qualification with a strong analytical focus, ideally in a STEM, quantitative, or data‑driven discipline.
• Experience querying and analysing data from relational databases using SAS/SQL, and strong advanced Excel skills.
• Proficiency in interpreting large data sets, identifying trends, risks, and opportunities.
• Demonstrated experience working as an analyst, with the ability to operate as a proactive self‑starter.
• Excellent problem‑solving skills, strong numerical capability, and a logical, structured approach to analysis.
• Experience with programming or analytical languages to run coding scripts and analyze, interpret, and validate data outputs.

• 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.
• Ability to translate analysis into clear proposals and build effective working relationships with key colleagues and stakeholders.

• All colleagues are expected to demonstrate Barclays values of Respect, Integrity, Service, Excellence, and Stewardship.
• They are also expected to demonstrate the Barclays mindset of Empower, Challenge, and Drive.