FI credit risk officer

Embark on a transformative journey as a FI Credit Risk Officer at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unparalleled customer experiences.

Member of the Risk Centre of excellence credit Sanctioning team which is responsible for credit risk analysis, monitoring and limits administration for Financial Institution counterparties of Barclays. Engage and motivate a diverse team of analysts to deliver strategic, individual and operational business objectives/targets. Ensure target achievement adhering to Service Level Agreements.

To be a successful FI Credit Risk Officer you should have experience with:

• Timely delivery of annual reviews, interim reviews, providing support or approval on transactions, ongoing portfolio monitoring and performing any other adhoc portfolio related exercise for the assigned portfolio of Financial Institutions.
• Undertake ongoing portfolio surveillance/monitoring encompassing the following key activities. 
• Undertake fundamental credit analysis on assigned portfolio
• Timely action on transaction-level limit requests received from Front office and Product areas, including providing necessary approvals within individual authority.
• Ensure all relevant Credit Risk policies, standards and procedures are followed.
• Ensure that credit limits, internal grades and other credit parameters are aligned with the framework.
• Liaising and communicating with other departments to ensure documentation requirements are met.
• Maintain data integrity of relevant Credit Risk systems (and perform monthly credit grade attestation.
• On-going monitoring of portfolio for material developments affecting credit quality and the initiation of appropriate action.
• Provide coaching and mentoring to junior colleagues, transferring skills and expertise as required ensuring delivery against targets and continuing professional and personal development.
• Assist and support on-shore teams in responding to information requests from our banking system regulators.
• Stakeholder Management and Leadership.

Some other highly valued skills may include:

• Build strong working relationships and proactively manage internal clients/stakeholders across all relevant teams. Proactively manage internal stakeholders across technology, risk etc.
• Actively engage and help other team members in achieving their objectives to enhance performance of the wider team.

You may be assessed on essential skills relevant to succeed in role, such as risk and controls, change and transformation, business acumen, strategic thinking and digital and technology, as well as job-specific technical skills. 

The job location is Mumbai.

Purpose of the role

To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.

Accountabilities

• Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.
• Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default.
• Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.
• Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.

Assistant Vice President Expectations

• To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions.
• Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes
• If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.
• OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes.
• Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues.
• Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda.
• Take ownership for managing risk and strengthening controls in relation to the work done.
• Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy.
• Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively.
• Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience.
• Influence or convince stakeholders to achieve outcomes.

All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave.