At a Glance
- Tasks: Analyse credit performance and translate data into actionable insights for senior stakeholders.
- Company: AIB, a leading bank committed to diversity and collaboration.
- Benefits: Flexible hybrid working, market-leading pension, healthcare scheme, and volunteer days.
- Other info: Join a culture that values accountability, collaboration, and customer focus.
- Why this job: Make a real impact by driving business decisions through data insights.
- Qualifications: Bachelor's degree in relevant field and experience in financial services.
The predicted salary is between 56700 - 69300 £ per year.
At AIB, our values guide how we work and how we support each other. We're looking for someone who puts Customer First, takes initiative and Owns the Outcome, and is always looking for ways to Eliminate Complexity. You'll treat colleagues and customers with fairness and Show Respect, and you'll thrive in a culture built on collaboration where we Be One Team to deliver meaningful impact.
Do you want to use data insight to drive better business decisions? Are you comfortable presenting ideas to technical and non-technical stakeholders? Are you looking for a hands-on role with a focus on problem solving and presentation?
What is the Role: The UK Portfolio Management Unit supports AIB UK's strategy by delivering timely portfolio insight, well-controlled MI and forward-looking analysis across the credit book. This is a hands-on role primarily focused on analysing credit performance and asset quality, identifying key drivers and emerging risks, and translating data into clear, decision-useful insight for senior stakeholders. The role includes first-line Model Owner responsibilities for key UK credit models, ensuring they are well-governed, well-understood and evidenced, and that they appropriately capture key risk drivers to support reliable portfolio assessment, reporting and decision-making.
Key accountabilities:
- Lead analysis of portfolio credit performance and asset quality, identifying trends, drivers, concentrations and emerging risks, and translating this into clear insight and recommended actions.
- Produce senior forum-ready MI and commentary, connecting portfolio outcomes to drivers and implications, and setting out actions where required (key risk indicators, risk appetite, monitoring intensity, escalation).
- Strengthen forward-looking portfolio assessment by integrating internal signals (e.g., rating migration, arrears/default patterns, watchlist movements, ECL trends) with external data and macro/sector developments.
- Enhance Early Warning Indicators / KRIs so they are analytically grounded, operationally usable and clearly linked to escalation, management action and reporting.
- Translate analytical requirements into robust reporting solutions using the data warehouse and dashboards, improving automation, control discipline, data traceability and "right-first-time" MI.
- Act as first-line Model Owner for nominated UK credit models (e.g., IRB, standardised grading, IFRS 9, and stress testing models), ensuring outputs used in portfolio assessment are governed, documented, monitored and appropriately controlled.
- Interpret and explain model outputs and movements (e.g., ECL drivers, parameter/overlay impacts, limitations/overrides, model change impacts) and ensure they are reflected appropriately in portfolio narratives and management decisions.
- Maintain strong control evidence and timely issue closure: monitoring plans, documentation, model change governance, and prompt resolution of development/validation/audit/regulatory findings.
- Partner effectively across UK and ROI stakeholders (Credit, Risk, Finance, Data, Technology) to land portfolio insights, reporting improvements and model-related changes to deadline and quality expectations.
- Contribute to senior papers and regulatory-facing materials where relevant (e.g., portfolio deep dives, impairment analysis/overlays, ICAAP credit inputs), and support delivery of programmes and closure of UK PMU-owned actions.
What you Will Bring:
- Bachelor's degree in Business, Economics, Finance, Mathematics, Statistics or a related discipline (or equivalent relevant experience).
- Typically 10+ years' experience in financial services, with strong understanding of lending/credit risk concepts and portfolio performance analysis.
- Proven ability to craft clear, decision-ready narratives from data, and contribute to senior committee, board and regulatory papers.
- Strong written and verbal communication skills; confident engaging technical and non-technical stakeholders and presenting succinctly to senior audiences.
- Experience working with model outputs (IRB/grading/IFRS 9) and related governance expectations; practical first-line Model Owner experience (or equivalent accountability) is desirable.
- Strong analytical capability with Excel and BI tools (e.g., QlikView, Tableau, Power BI); ability to work with large datasets; SQL/SAS advantageous.
Why Work for AIB: We are committed to offering our colleagues choice and flexibility in how we work and live and our hybrid working model enables our people to balance their time between working from home and their designated office, subject to their role, the needs of our customers and business requirements. Some of our benefits include:
- Market leading Pension Scheme
- Healthcare Scheme
- Variable Pay
- Employee Assistance Programme
- Family leave options
- Two volunteer days per year
AIB is an equal opportunities employer, and we pride ourselves on being the first bank in Ireland to receive the Investors in Diversity Gold Standard accreditation from the Irish Centre for Diversity. We are committed to providing reasonable accommodations for applicants and employees.
Portfolio & Model Manager in Lisburn employer: AIB NI
At AIB, we pride ourselves on fostering a collaborative and inclusive work culture that prioritises employee well-being and professional growth. With a hybrid working model that allows for flexibility between home and office, our employees enjoy a range of benefits including a market-leading pension scheme, healthcare options, and opportunities for community engagement through volunteer days. Join us in London or Belfast to make a meaningful impact while advancing your career in a supportive environment that values diversity and innovation.
StudySmarter Expert Advice🤫
We think this is how you could land Portfolio & Model Manager in Lisburn
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like AIB NI. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Portfolio & Model Manager in Lisburn
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to AIB NI.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on AIB NI's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at AIB NI
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with AIB NI.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at AIB NI will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former AIB NI employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
