Business Area
Banking Risk
Working time
Full-Time
Date Published
12-11-2024
Closing Date
Applications close 26th November at 5pm
Serving our customers, communities, and planet a little better every day.
Salary - Salary is from £43k + annual bonus & benefits
Location – Edinburgh, Permanent
Office Attendance - Our roles are hybrid; however, you should be able to travel to our Edinburgh office 1 day per week for this position.
A chance to thrive
We’re looking for a Credit Risk Senior Analyst to join our Credit Risk Customer Management Strategy within the Banking Risk team at Tesco Bank, part of Barclays Bank UK Plc.
As a member of the portfolio team the workload can be varied and offers the opportunity for stretch and development. You’ll be responsible for developing and optimising the credit strategy for existing customers, that supports sustainable growth and is within Risk Appetite limits.
Within Banking Risk, we are passionate about supporting colleagues' development and career progression. All colleagues are encouraged to dedicate time to their personal development plans and are supported with opportunities to get involved in both department and bank-wide initiatives.
Join us at this exciting time and bring your talent, expertise, and skills to make a difference to our customers, community, and planet.
What you’ll be doing
1. Developing and optimising the credit strategy for existing customers, that fully aligns with the Customer strategy and considers the expected macroeconomic outlook.
2. Monitor performance against targets, ensuring lending remains within Risk Appetite and driving correct action on segments that are outside of expectations.
3. Monitor the impact that credit strategies have on customers, aiming to deliver good outcomes at all times.
4. Analysing new innovative sources of data and the opportunities on credit strategy.
5. Produce high quality change papers and present at credit committees, using a range of influencing skills to gain support from key stakeholders.
6. Collaborating positively and constructively with a wide range of stakeholders to understand how processes, models and initiatives influence credit strategy. Stakeholders include teams within Credit Risk, Second Line Risk, Credit Risk Modelling, Commercial and Finance.
We need you to have
1. Previous experience within a Credit Risk function or similar analytical role.
2. Proficiency in data extraction and manipulation using SAS/SQL and MS Excel.
3. Strong numeracy and ability to understand and solve problems through analysis of complex data.
And if you have any of these, even better
1. Technical knowledge of Credit Risk, specifically Portfolio Management.
2. Ability to communicate results of analysis effectively using a range of tools.
3. Understanding of bureau data and characteristics, including new value-added blocks.
4. Good understanding of the value drivers for both lenders and Customers.
We don’t expect you to tick every box, and if you feel you hit most of the brief, it’s worth exploring to further develop your career here with us.
What’s in it for you
1. Prepare for your retirement with our colleague pension scheme.
2. Private Medical Insurance (WL2+) and virtual GP Service 365 days a year.
3. Performance related annual bonus.
4. Indulge in a generous holiday allowance with a minimum of 7.2 weeks, with the opportunity to buy more.
5. Embrace the benefits of our Colleague Clubcard, enjoy a 10% discount that increases to 15% every payday (worth up to 2K). As an added perk, we’ll give you a second card to share with someone else.
6. Benefit from our family-oriented initiatives, encompassing enhanced maternity leave pay, a shared parental leave policy, and a generous paid paternity leave.
7. A place to get on - take advantage of our ongoing learning opportunities and training, to help you achieve the job and career you want.
Everyone’s welcome
We want all our colleagues to always feel welcome and be themselves at Tesco Bank, part of Barclays Bank UK Plc. We’re committed to building a more inclusive workplace and celebrating everything that makes colleagues unique, and value the richness and diversity this brings to our business. A more diverse business helps us deliver on our purpose to serve our customers, communities, and planet a little better every day.
How to apply
We value our people and diverse teams and believe the variety of backgrounds and experiences make us stronger to achieve our goals.
Our colleagues are working hybrid, taking time to meet with colleagues in our offices for moments that matter, such as team catch-ups, planning meetings and more. If you’re interested in finding out more about what a career at Tesco Bank looks like, click apply to find out more!
Why Tesco Bank?
We’re also a little obsessed with the future. Your future. Our future. That’s why we take development seriously; we want to help you thrive and evolve in your career. Tesco Bank is a place to get on, all colleagues have access to LinkedIn Learning and Abstract, from day one. It’s important to us that we make sure you’re supported by your team and colleague networks every day, celebrating when it matters and helping you to be the best version of yourself. The people make Tesco Bank, and we take pride in what we achieve together.
All that hard work? Come and see it turned into something real, usable, and important to customers’ and colleagues’ everyday lives. At Tesco Bank, our products make things a little better for everyone.
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