Credit Strategy Sr. Analyst

What will you be doing?

Barclays Bank Delaware seeks Credit Strategy Sr. Analyst in Wilmington, DE (multiple positions available):

1.    Work on development of underwriting and line assignment strategies leveraging bureau data, application data, alternative data, partner data and other new data sources, connecting future consumer credit trends to historical behavior, creating monitoring reports and analysis to support improvements in credit performance.
2.    Constantly monitor credit and acquisition strategies by analyzing acquisition and performance data using analytical tools and database such as SAS, Oracle and Python, dedicating to make strategic and tactical recommendations and strategy enhancement.
3.    Responsible for closely monitoring consumer performance with multiple internal risk models and manage to build targeted insights to inform the design and development of acquisition criteria and process.
4.    Responsible for working on strategy implementation and validation, and partner level performance tracking for both internal and external reporting.
5.    Statistical analysis techniques include CHAID Decision Trees, optimization procedures, loss forecasting, enhanced process monitoring, and data quality analyses.
6.    Responsible for identification, collection, extraction of data from various sources, including internal and external sources, performing data cleaning, wrangling, and transformation to ensure its quality and suitability for analysis.
7.    Responsible for using innovative data analytics and machine learning techniques to extract valuable insights from the bank's data reserves, leveraging these insights to inform strategic decision-making, improve operational efficiency, and drive innovation across the organization.
8.    Design and conduct of statistical and machine learning models to analyze patterns, trends, and relationships in the data; developing and monitoring customized acquisition underwriting and initial line assignment process, including simulation use predictive data from credit bureau and historical internal data.
9.    May telecommute.

This position is eligible for incentives pursuant to Barclays Employee Referral Program.

Purpose of the role

To use innovative data analytics and machine learning techniques to extract valuable insights from the bank's data reserves, leveraging these insights to inform strategic decision-making, improve operational efficiency, and drive innovation across the organisation. 

Accountabilities

• Identification, collection, extraction of data from various sources, including internal and external sources.
• Performing data cleaning, wrangling, and transformation to ensure its quality and suitability for analysis.
• Development and maintenance of efficient data pipelines for automated data acquisition and processing.
• Design and conduct of statistical and machine learning models to analyse patterns, trends, and relationships in the data.
• Development and implementation of predictive models to forecast future outcomes and identify potential risks and opportunities.
• Collaborate with business stakeholders to seek out opportunities to add value from data through Data Science.

Analyst Expectations

• To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.
• Requires in-depth technical knowledge and experience in their assigned area of expertise
• Thorough understanding of the underlying principles and concepts within the area of expertise
• They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
• 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 develop technical expertise in work area, acting as an advisor where appropriate.
• Will have an impact on the work of related teams within the area.
• Partner with other functions and business areas.
• Takes responsibility for end results of a team’s operational processing and activities.
• Escalate breaches of policies / procedure appropriately.
• Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
• Advise and influence decision making within own area of expertise.
• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
• Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
• Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Make evaluative judgements based on the analysis of factual information, paying attention to detail.
• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
• Guide and persuade team members and communicate complex / sensitive information.
• Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.

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.