AIB (NI)
Portfolio & Model Manager,London/ Belfast.
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Portfolio & Model Manager, Level 4
Location: London/Belfast | Hybrid: 3 days in-office per week
At AIB, we uplift people, communities and businesses. Our values shape how we work, how we support each other, and how we deliver – always putting Customers First, taking Ownership, Eliminating Complexity, and Collaborating as One Team. We’re looking for someone who excels in ambiguity, embraces change, and drives meaningful impact.
About the Role
The UK Portfolio Management Unit (PMU) supports AIB UK’s strategic objectives by delivering timely, high-quality portfolio oversight, insightful reporting, and forward-looking risk assessments across the credit book.
This is a senior hands-on role responsible for shaping the Models & Data agenda. You’ll lead strategic direction, develop teams, and drive efficiencies in how data, analytics, and risk models support portfolio management, regulatory submissions, governance, and business decision-making.
Key focus areas include:
- Credit modelling (IRB, grading, IFRS 9, stress testing)
- Data & analytical governance (quality, traceability, reporting consistency)
- Cross-functional collaboration (Credit, Risk, Analytics, Data, Finance, and Group teams)
- Regulatory reporting (ICAAP, EWI, oversight & compliance)
Responsibilities
Strategic Leadership
🔹 Lead the UK PMU Models & Data agenda, defining priorities for model ownership, data quality, automation, traceability, and analytical capability. 🔹 Develop and mentor a team, building capability in model oversight, data analysis, documentation, and stakeholder engagement.
Model Ownership & Governance
🔹 Act as first-line Model Owner for critical UK credit models:
- IRB approaches (Foundation/Advanced)
- Credit grading models
- IFRS 9 ECL models
- Stress testing frameworks 🔹 Ensure robust governance over:
- Model use, outputs, controls, monitoring, documentation, and evidence
- Regulatory reporting (ICAAP, Basel submissions, individual risk increases)
- Cost-income impacts (PMA, impairmentoding decisions)
Business & Risk Insight
🔹Translate complex model outputs into clear, actionable insights for senior stakeholders, committees, and regulatory reviews. 🔹Present committee-ready materials, including:
- Model owner updates
- ECL/PMA analysis
- Impairment commentary
- Portfolio deep-dives
- Regulatory-facing reports
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Data & Operational Excellence
🔹 Drive improvements in data governance, quality, and controls across:
- Reporting (portfolio oversight, regulatory submissions)
- Model monitoring & ownership
- Automated solutions to reduce manual effort 🔹 Partner with Tech, Data, and Validation teams to embed IA Changes effectively in the UK business.
Stakeholder Engagement
🔹 Represent UK business requirements across the model lifecycle, including development, Validation & AEO (Audit Evidence Review), change oversight, and deployment. 🔹 Collaborate with Group IRB, Credit Strategy, Risk Appetite, and Capital teams to align model updates nationally.
Requirements & Qualifications
Essential Experience & Skills
🔸 7+ years’ experience in financial services, ideally in:
- Credit risk, portfolio management, model ownership/ governance, impairment, IFRS 9, capital management, analytics, data, or Risk (with RA/RMA title preferred).
- First-line risk management or regulatory reporting role (especially credit or portfolio-specific functions).
🔸 Deep expertise in credit risk modelling, including:
- IRB (Foundation/Advanced) fundamentals and regulatoryспекts
- IFRS 9 ECL models, PMA approaches
- Stress testing frameworks
- Data-driven impairment methodologies
- PD/LGD/EAD parameters, grading drivers, overlays, and mapping rules
🔸 Familiarity with:
- Model lifecycle management (development → validation → monitoring → change)
- Data lineage, QC frameworks
- BI tools (QlikView, Tableau, Power BI)
- SQL/SAS for data querying
🔸 Proven track record of turning data into clear executive communications, whether for:
- ICAAP/EWI submissions
- Committee narrative (e.g., impairment investment grades)
- External regulators
🔸 Strong analytical mindset with of Excel (advanced modelling) and ability to solve complex puzzles under ambiguity.
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Personal Qualities
🔹 Ownership – Takes accessibility for impact, leads change, and "shapes the thing" rather than implementing. 🔹 Ambition – Loves building capability within teams and empowers delegated freedom with oversight. 🔹 The right tenacity – Will focus daily on delivering portfolio reporting outputs accurately, consistently, and early so stakeholders don’t have to—using patience and compassion.
Key Soft Skills & Attributes
- Team leadership: Motivate a diverse and distributed team across London/Belfast.
- Communication: Translate jargon into clear business-use narratives (for committees to regulators).
- Collaboration: Work across split teams, bespoke reporting, and queries at 10:15 without miscommunicated priorities.
- Resilience: Handle competing deadlines between portfolio oversight, reporting upgrades, and regulatory projects independently.
Benefits at AIB
✅ Hybrid flexibility: 3 days office (flexible) + rest of the week home. Full benefits:
- Private healthcare
- Pension contributions (automatic contributions exceed national averages)
- Variable pay, based on performance
- Employee Assistance Programme
- Flexible family leave (including 2 additional volunteer days for community impact)
✅ Company values & recognition:
- Investment in reputation, recognised awards (First bank in Ireland to achieve Investors in Diversity Gold Standard).
- Growth mentorship tailored to your career aspirations.
Disclaimer & Equality
- No unsolicited CVs via recruiters to careers@aib.ie allowed. Direct entry only.
- Fitness & Probity, IA Frameworks, and confidentiality rules apply.
- Equal opportunities employer: Diversity is core to our culture. If you’d like to discuss disability or religious needs, contact Talent Acquisition at careers@aib.ie.
Application deadline: 22nd July 2026
⚠️ For unofficial advice, contact: Megan Gordan (hiring Manager), at careers@aib.ie.
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