Change Recruitment
Senior Credit Risk Manager
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Senior Credit Risk Manager - Portfolio Lead
Permanent position based in either Edinburgh or Glasgow
The Opportunity:
An established financial services provider is looking to appoint a Senior Credit Risk Manager - Portfolio Lead to support the continued development of its unsecured lending portfolio.
This is a senior role within the credit risk function, leading a small team focused on portfolio performance, credit strategy, affordability, and effective risk management.
The role will suit someone who can combine strong analytical capability with commercial judgement, clear stakeholder management, and the ability to turn complex data into practical recommendations.
You will play a key part in shaping credit risk strategy across both new customer acquisition and existing customer management, ensuring lending decisions remain commercially effective, well controlled, and aligned to regulatory expectations.
Key Responsibilities:
- Lead, manage, and develop a small team focused on credit risk portfolio activity and strategy
- Monitor portfolio performance, credit trends, affordability indicators, and wider risk drivers across unsecured lending
- Identify emerging risks, opportunities, early warning indicators, and changes in customer behaviour
- Develop, refine, and assess credit strategies that support sustainable business growth
- Use data, insight, credit models, and forecasting tools to support decision making
- Translate detailed analysis into clear proposals, recommendations, and actions
- Support the delivery of change across the credit risk environment
- Strengthen risk management, governance, and control activity across the portfolio
- Provide clear advice and challenge to senior stakeholders on areas of risk, impact, and opportunity
- Ensure credit activity remains aligned to business objectives, regulatory expectations, and customer outcomes
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About You:
You will bring strong experience in credit risk portfolio management, ideally gained within an unsecured lending, retail banking, consumer finance, or wider financial services environment.
You should be comfortable working with large data sets, interpreting trends, and using insight to support strategic decision making.
You will also need the confidence to lead a team, manage senior stakeholders, and explain complex credit risk issues in a clear, practical, and commercially balanced way.
Key Experience:
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- Credit risk portfolio management experience
- Strong understanding of affordability, credit strategy, and customer management
- Experience working across unsecured lending portfolios
- Ability to analyse large data sets and identify trends, risks, and opportunities
- Experience managing or mentoring analytical colleagues
- Understanding of credit models, forecasting tools, and portfolio performance measures
- Knowledge of FCA expectations and the wider regulatory environment
- Experience managing risk, controls, and governance activity
- Strong stakeholder management skills with the ability to influence senior audiences
- Ability to turn analysis into clear recommendations and practical outcomes
Why Consider This Role?
This is an opportunity to take on a visible senior credit risk role with genuine influence across portfolio strategy, affordability, customer management, and risk governance.
The successful individual will join at an important stage of change, with the chance to help shape how credit risk strategy is developed, delivered, and embedded across the business.
A fantastic opportunity for an experienced Credit Risk practitioner to join this household name!
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