Credit Risk Model Monitoring

Job Description

Purpose of the role

To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.

• Accountabilities
• Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.
• Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default.
• Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.
• Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.
• Vice President Expectations
• To contribute or set strategy, drive requirements and make recommendations for change.

Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalating breaches of policies/procedures.

• If managing a team, they define jobs and responsibilities, planning for the department’s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes.

They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.

• 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 be a subject matter expert within own discipline and will guide technical direction.

They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments.

They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions.

• Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment.
• Manage and mitigate risks through assessment, in support of the control and governance agenda.
• Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does.
• Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business.
• Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies.
• Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives.

In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions.

• Adopt and include the outcomes of extensive research in problem solving processes.
• Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.

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.

Join the Helping Manage and Monitor Credit Risk Models team within Tesco Bank as a Credit Risk Model Monitoring.

In this role you will be responsible in ensuring model is compliant, up to date and notice any discrepancies within the model.

• To be successful as a Credit Risk Model Monitoring, you should have experience with
• Extracting, manipulating, and analysing large datasets using SAS, SQL, or similar tools
• Applying credit risk and underwriting knowledge to support policy and decision‑making
• Understanding enterprise risk frameworks and industry‑wide regulatory expectations
• Some other highly valued skills may include
• Understanding of the way Tesco Bank operates
• Strong stakeholder management and the ability to communicate complex risk topics concisely
• Familiarity with credit policy development and how to operationalise it across portfolios
• The ability to support business‑wide process changes during integration and transformation initiatives

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.

This role location is Edinburgh.

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