Risk Analyst

Join us as a Credit Risk Analyst.

The team is within the First Line of Defence for Barclaycard Payments and is responsible for the identification of Corporate Credit Risk and the management of strategies to aid portfolio growth and reduce impairment; utilising data, analytics, and systems.

In this role, you will be responsible for:

• Driving insight into credit performance and the optimisation of Corporate and credit strategies, through data analytics, profiling and expert lender led judgment.

• Development of credit risk strategies and processes, with accountability for driving profitability and growing the portfolio within the defined risk appetite.

• Define, articulate, build, and implement a data strategy that will drive KPI, sector and client analysis.

• Design, develop and build credit risk rules and alerts in our client monitoring system.

• Work closely with key technology and risk teams to deliver new system and data management solutions.

• Managing senior relationships across commercial, functional and CRO stakeholders. The jobholder may be expected to represent the business at industry forums and face off against commercial partners.

To be successful as a Credit Risk Analyst, you should have experience with:

• Advanced analytical application of SQL, Microsoft Excel, and data visualisation.

• Excellent quantitative skills, with a background in data analysis, bringing an ability to think widely and conceptually.

• Good communication and interaction skills, bringing complex data analysis ‘to life.

Some other highly valued skills may include:

• Credit strategy experience through all stages of credit risk and product lifecycle.

• Python and/or SAS experience.

• Degree in an analytical discipline.

• Experience in a financial services company.

• Background in credit risk/risk analytics.

• Payments (Acquiring) background.

You may be assessed on the key critical skills relevant for success 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.

This role is based in Northampton.

Purpose of the role

To support the Risk Function in delivering it’s objective of safeguarding the bank's financial and operational stability by proactively identifying, assessing, mitigating, and monitoring risks across various business units and activities.

Accountabilities

• Development of strategic direction for risk, including the implementation of up-to-date methodologies and processes.
• Management of the risk department, including oversight of risk colleagues and their performance, implementation of risk priorities and objectives, oversight of department efficiency and effectiveness.
• Relationship management of risk stakeholders, including identifying relevant stakeholders, and maintenance of the quality of external third-party services.
• Adherence to the Risk policy, standards and frameworks, and maintaining a robust control environment.

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.