Ba4 Consumer Credit Risk

Job Title BA4 Consumer Credit Risk
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
Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards.

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.

Introduction:
The purpose of the Barclaycard Risk Strategy team is to drive value through appropriate Risk Management of relevant credit risk analytics and strategies for the portfolios allocated.
- Provide tailored presentation methods to manage, negotiate and influence a variety of Senior CRO and commercial stakeholders using knowledge formed from a deep understanding of portfolio’s and segments.
- Oversee the production of ad-hoc MI and provide support to the wider CRO teams and senior management/stakeholders.
- Production of a range of reports to establish credit performance, specifically to contribute and present to the monthly Risk Management Committee and senior stakeholder meetings - provide recommendations (where appropriate) and influence/negotiate with stakeholders to obtain delivery/sign off.
- The role holder will need to mentor junior team members as required
- They will also need to drive a culture of continuous improvement and maintain an effective working relationship with stakeholders across functions and locations.

What will you be doing?

Provide best-in-class analytics (50%)
- Work closely with your team to provide in-depth monitoring of performance of certain reports/analysis, spotting trends and insights & driving any necessary corrective actions
- Liaising with key internal and external stakeholders (specifically Chief Credit Officer and Head of Commercial teams) to ensure analysis/context is complete.
- On-going monitoring of performance.
- Ensure MI, Insight and commentary is accurate, timely and that any changes required by senior management are also delivered.
- Be creative in your approach to data analysis / performance mgt, obtaining insights in different ways and demonstrating expertise to provide new ways of managing portfolio risk. Constantly assess the team’s performance, looking for continual improvements
- Respond to requests for information from senior management. Producing timely, clear and accurate data/insight to meet those requests.

Stakeholder Management and Leadership (20%)

The key stakeholders of this role will be
- The other members of the CRO team
- Collections, Fraud and other Operations teams
- The Commercial team
- Strategic Analytics team
- Finance
- Risk & Governance
- The person will need to work effectively with colleagues across these stakeholders to achieve shared business objectives. This includes sharing analytical insights, and presenting / defending these conclusions in appropriate formal and informal forums.

Mentoring (10%):

- Develop a high performing team through support / challenge / direction of junior team members
- Engage and motivate junior team members towards achieving goals.

Improve Internal Processes (10%)
- Identify new opportunities for enhancing/ streamlining services
- Formulate opportunities into proposals, share with the manager and implement

Team Player Activities (10%):

- Work effectively with peers and management team to achieve shared business objectives
- Contribute to the wider colleague agenda of the Barclaycard Risk Strategy India Hub

What we’re looking for:

- Business Skills
- Strong business acumen and understanding of consumer lending business specially in unsecured lending domain
- Reporting Skills
- Use tools such as Microsoft PowerPoint to transform data in to visually appealing reports which is easy to grasp
- Communication - Effectively and concisely communicate key issues and ideas through correspondences and verbally. Interface with seniors effectively. Interface