Senior Credit Risk & Portfolio Analytics – Real Estate in Birmingham

Confidential Opportunity - Senior Credit Risk Analyst / Portfolio Risk Manager

Birmingham Specialist Property & Structured Lending Environment

Our client is a growing UK financial services organisation operating within the specialist property-backed lending sector. With a current lending portfolio of approximately £250m and further capital expansion planned, the business continues to strengthen its risk infrastructure as part of its next phase of growth.

The organisation operates within a highly regulated environment and has established a strong reputation for disciplined underwriting, prudent governance and customer-focused lending solutions across Home Purchase Plans, Buy-to-Let (BTL), Bridging / Development broader specialist finance products.

As part of the continued evolution of the Risk function, the business is now seeking to appoint a commercially minded and technically capable Credit Risk professional with strong analytical capability, IFRS9 knowledge and experience across portfolio risk, modelling and risk framework development. This position represents an excellent opportunity for an individual looking to play a genuinely influential role within a growing lending platform, working closely with senior leadership and governance committees while helping shape the future direction of portfolio risk oversight.

Role Overview

The successful individual will play a key role in the ongoing development, monitoring and enhancement of the organisation's credit risk framework, with particular focus across portfolio analytics, IFRS9 methodology, stress testing, impairment analysis and proactive risk identification. The role will suit an individual capable not only of producing high-quality analysis and reporting, but also interpreting portfolio trends, identifying emerging risks and helping drive meaningful risk-based decision making across the wider business. The position sits closely alongside the broader Second Line Risk function and will involve regular exposure to senior stakeholders, governance committees and strategic risk discussions.

Key Responsibilities

• Monitor and assess the performance of the firm's HPP, BTL, Bridging and specialist lending portfolios, identifying emerging trends, concentration risks and early warning indicators.
• Support the development, enhancement and ongoing calibration of IFRS9 / Expected Credit Loss (ECL) methodologies and portfolio impairment frameworks.
• Contribute toward the design, implementation and refinement of credit risk models, stress testing frameworks and scenario analysis tools.
• Produce portfolio analytics, MI and risk reporting for Executive Committees, Credit Committees and Board-level governance forums.
• Assist in the ongoing development of credit risk policies, risk appetite frameworks and portfolio governance standards.
• Analyse arrears performance, delinquency trends, forbearance activity and portfolio migration behaviour to support proactive risk management decisions.
• Work closely with Underwriting, Finance, Compliance and Operations teams to ensure robust risk oversight across the lending lifecycle.
• Support risk-based decision making through meaningful interpretation of portfolio data and forward-looking risk indicators.
• Assist in the maintenance and development of enterprise risk registers, governance reporting and broader 2LoD oversight processes.
• Act as Secretariat support to Credit Committee and associated governance forums where required.
• Contribute toward regulatory and internal audit responses relating to portfolio risk, impairment modelling and governance controls.
• Support ongoing enhancement of risk frameworks as the business expands into additional lending and commercial finance sectors.

Skills & Experience Required

• Experience within Credit Risk, Portfolio Risk, Risk Analytics or IFRS9-focused roles gained within banking, specialist lending, mortgages, real estate finance, challenger banking or wider financial services environments.
• Strong understanding of IFRS9 standards, Expected Credit Loss (ECL) methodologies and impairment modelling principles.
• Experience supporting or developing credit risk models, stress testing frameworks or scenario analysis processes.
• Strong analytical capability with the ability to interpret complex portfolio data and convert findings into meaningful commercial insight.
• Understanding of UK regulated lending environments including FCA expectations, governance standards and prudent risk management principles.
• Experience preparing senior-level risk reporting, committee packs and portfolio analysis documentation.
• Advanced Excel skills and exposure to portfolio analytics, data modelling or risk reporting tools.
• Strong communication skills with the confidence to engage with senior stakeholders across Risk, Finance and Lending functions.
• Highly organised with strong attention to detail and the ability to operate within a growing and evolving lending environment.

Highly Desirable

• Exposure to property finance, bridging finance, specialist mortgages or buy-to-let lending.
• Experience operating within a Second Line of Defence (2LoD) framework.
• Exposure to SAS, SQL, Power BI, Python or other analytical / modelling tools.
• Experience contributing toward risk appetite frameworks, portfolio strategy or impairment governance.

This is an excellent opportunity to join a well-capitalised lending platform at an important stage of its evolution.

Please note this role is Birmingham based and so we are sharing this role across locations where it is commutable within 1.5 hours of the Head Office. Solihull has a rail station and the firm has a large car park. The expectations of employees are only once or twice per week in the office maximum. We currently have employees in the office commuting into us from most areas including London, Northampton, Nottingham, Gloucester, Coventry, Birmingham, Stoke, Leicester, Derby.