Avp Consumer Credit Risk

Job Title AVP 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 Germany Risk Strategy team is to drive value through appropriate Risk Management of relevant credit risk analytics and strategies for Germany portfolios.
- The role holder will provide analytical support in designing credit risk strategies across the customer lifecycle.
- The role holder will help in minimizing the credit risk losses by taking appropriate risk mitigation actions.
- The role holder will support teams in segmenting existing customers by risk using AL/ML or decision tree models.
- The role holder will be responsible for ensuring that all processes, procedures and documentation are aligned to guidelines, policies and standards for risk management.
- It will involve producing necessary MI and deep-dive analysis to arrive at appropriate conclusions.
- It will be required to present these conclusions at appropriate forums.
- The role holder might 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
- Provide insight and recommendations to key stakeholder in order to achieve P&L/impairment targets.
- Assist with collation of information and analysis to support key Risk projects as and when required ensuring accurate and timely output
- Should be able to collaborate with colleagues across teams to ascertain if the process, procedures and documentation align to the policy requirements
- Ensure strategy and model documentation and governance remains up-to date and work with the internal validation unit to ensure models are well governed.
- Extend/ modify analysis based on observations/ knowledge of data and limitations, and implications of results
- Present and communicate results to Senior Management and drive stakeholder discussions through rigorous analysis and sound logical frameworks

What we’re looking for:

- Practical experience of using analytics to solve complex business problems
- Passionate about data analysis and how this contributes to the business
- Comprehensive knowledge and effective use of analytical tools, specifically including SAS/SQL.
- Proficient in Microsoft Excel, Word and PowerPoint
- Good written and verbal skills, a strong governance and challenging mentality with excellent attention to detail.
- Ability to generate insights from data, assess the commercial / financial impact and recommend action
- Understanding of statistical methods to enable appropriate interpretation of results
- Conceptual thinking - find innovative ways to solve analytical problems
- Team work - Commitment and ability to work with cross-functional teams

Skills that will help you in the role:

- Degree in Business, Finance, Maths, Sciences, Engineering or Economics or substantial directly related experience.
- Background in Credit Risk/ Industry knowledge (ideally experience with major international financial services firm)
- Extensive experience analysing programmes through the lens of Cards P&L and customer metrics.
- Confident, clear and articulate, with the ability to engage with stakeholders at all levels.

Where will you be working?

Noida

Be More at Barclays
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 su