VP Credit Management

Job Title: VP Credit Management
Location: Noida

About Barclays
Barclays is a British universal bank. We are diversified by business, by different types of customers and clients, and by geography. Our businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment bank, all of which are supported by our service company which provides technology, operations and functional services across the Group.

Risk and Control Objective
Take ownership for managing risk and strengthening controls in relation to the work you do.

Working Flexibly
We’re committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognises and supports ways to balance your personal needs, alongside the professional needs of our business. Providing the opportunity for all our employees, globally to work flexibly empowers each of us to work in a way that suits our lives as well as enabling us to better service our customers’ and clients’ needs. Whether you have family commitments or you’re a carer, or whether you need study time or wish to pursue personal interests, our approach to working flexibly is designed to help you balance your life.  If you would like some flexibility, then please discuss this with the hiring manager, and your request will be reviewed subject to business needs.

Hybrid Working 
Structured hybrid role:    
At Barclays, we offer a hybrid working experience that blends the positives of working alongside colleagues at our onsite locations, together with working from home.  We have a structured approach where colleagues work at an onsite location on fixed, ‘anchor’, days of the week, for a minimum of two days a week or more, as set by the business area (or nearest equivalent if working part-time hours). Please discuss the working pattern requirements for the role you are applying for with the hiring manager. Please note that as we continue to embed our hybrid working environment, we remain in a test and learn phase, which means that working arrangements may be subject to change on reasonable notice to ensure we meet the needs of our business.

Introduction 
•    This is team leader position, which is responsible for supporting CBE Strategic Analytics 
•    As a thought leadership role you are responsible for the delivery of value-add actionable insight 
•    Develop, maintain and execute strategies to optimise profit within the target business strategy and risk appetite constraints 
•    Monitor and assess through structured processes the CBE consumer portfolio performance and trend 
•    Use analysis to influence strategic decisions
•    Support the resulting strategy through test and learn activities
•    Supporting a culture where best practice is shared between geographies and the status quo is effectively challenged
•    Manage your team in an effective and efficient manner, continually driving improvements

The purpose of the Barclays CBE Credit Management team is to:
•    Support and lead the development, tracking and review of business strategies, financial plans and operational performance within the Board approved Risk Appetite
•    Support and lead the development and maintenance of policies, standards, procedures and controls for FLoD credit management activities as per the ERMF and associated RMF
•    Support and lead the development and maintenance of customer underwriting strategies across products and channels consistent with policy, standard and governance requirements
•    Monitor financial, operational and portfolio performance controls to achieve Risk Return objectives within defined threshold; tracking performance relative to expectation, YoY, forecast, plan and industry benchmarks
•    Implement mitigation activities to prevent or remediate a breach of Risk Appetite and / or Risk Return objectives
•    Participate in Credit Management Fora preparing appropriate materials to meet expectations and deliverables for which FLoD are responsible
•    Oversee collections, fraud and operations activities related to credit decision lifecycle
•    Collaborate with cross functional areas in the analytical solutions for impairment, model and PnL analytical solutions
•    Support and lead model management activities for all linked models relevant to the credit lifecycle from model development to model ownership
•    Develop data, analytics and financial assets, capabilities, products and services to support the analytical advancement in data driven solutions and the culture of high performance

What will you be doing?
Actionable Insight (33%) 
•    Providing best in class analytics, transforming high level requests into focussed and specific analysis
•    Identifying new opportunities for enhancing/streamlining services
•    Formulating opportunities into proposals, sharing with the manager and implementing
•    Maintenance of credit criteria, models and strategies
•    Maintenance of control monitoring and documentation of processes, procedures and strategies in relation to credit management

Stakeholder Management (33%)
•    Working effectively with peers and management team to achieve shared business objectives
•    Presenting and communicating results to Senior Management and driving stakeholder discussions
•    Proactively drive strategy by challenging senior stakeholders where appropriate
•    Ensure that lessons are learnt and earnings are optimised

Line Management (33%)
•    Provide inspirational leadership demonstrating commitment to the strategic goals as well as focusing on execution and delivery
•    Develop a high performing team through support / challenge / direction of direct reports
•    Lead the vision / goals / objectives of the team
•    Ensure professional development of direct reports through coaching and feedback
•    Contribute as a leader to the development of the SA team

What we’re looking for:
•    Industry experience (ideally major international financial services unsecured lending)
•    A degree/diploma in a numerate/analytical/business related discipline
•    Conceptual thinking – find innovative ways to solve analytical problems
•    Technical analytic skills including (but not limited to):
    Use of SAS/SQL or similar tools in past
    Experience in credit and financial modeling (NPV/P&L) to drive strategic decisions
    Use of vintage, segment and swap set analysis in building recommendations
    Experience of test design to create data for future strategy optimisation
•    Excellent oral and written communication skills with ability to translate insight into a coherent story that drives action
•    History of influencing senior management to gain buy-in to strategic change and working with partner teams within organization to deliver this
•    Track record of delivering accurate results within tight deadlines
•    Experience in leading, motivating, managing and developing individuals
•    Strong interpersonal skills, influence and conflict management.
•    Proficient with MS Office (Excel, PowerPoint, Word)
•    Strong attention to detail, and a real commitment to delivering high quality outputs which are right first time

Skills that will help you in the role:
•    Experience analysing programmes through the lens of brand / customer engagement metrics as well as P&L 
•    Understanding of statistical methods including (but not limited to):
    Regression modelling
    Tree modelling
    Statistical hypothesis testing frameworks
•    Experience in ‘Big Data’ analytics e.g. Hadoop 
•    Experience of identifying needs, developing and delivering training to analysts 
•    Local and international market knowledge in consumer finance

Where will you be working?
Noida

Be More at Barclays
At Barclays, each day is about being more – as a professional, and as a person. ‘Be More @ Barclays’ represents our core promise to all current and future employees. It’s the characteristic that we want to be associated with as an employer, and at the heart of every employee experience. We empower our colleagues to Be More Globally Connected, working on international projects that improve the way millions of customers handle their finances. Be More Inspired by working alongside the most talented people in the industry, and delivering imaginative new solutions that are redefining the future of finance. Be More Impactful by having the opportunity to work on cutting-edge projects, and Be More Valued for who you are.
Interested and want to know more about Barclays? Visit home.barclays/who-we-are/ for more details.
Purpose, Values and Mindset 
We deploy finance responsibly to support people and businesses, acting with empathy and integrity, championing innovation and sustainability, for the common good and the long term.
Our values underpin everything we do: Respect, Integrity, Service, Excellence and Stewardship.
Respect
We harness the power of diversity and inclusion in our business, trust those we work with, and value everyone's contribution.
Integrity
We operate with honesty, transparency and fairness in all we do.
Service
We act with empathy and humility, putting the people and businesses we serve at the centre of what we do.
Excellence
We champion innovation, and use our energy, expertise and resources to make a positive difference.
Stewardship
We prize sustainability, and are passionate about leaving things better than we found them.

Our Mindset shapes how we take action, living by our Values, driven by our Purpose, always with our customers and clients at the heart of what we do; our Mindset is to Empower, Challenge and Drive.
Empower
Trust and support each other to deliver. Make decisions with those closest to the topic. Include diverse perspectives. Celebrate success and learn from failure.
Challenge
Question whether things can be done better. Use insights based on data to inform decisions. Be curious about how we can adapt and improve. Speak up and be open to alternative viewpoints.
Drive
Focus on outcomes. Deliver with pace. Be passionate and ambitious about what we do. Take personal responsibility. Actively build collaborative relationships to get things done.