Credit Risk Analyst

As a Barclays Credit Risk Analyst, you will be joining the BUK Unsecured Credit Risk team who drive value through appropriate Risk Management of relevant credit risk analytics and strategies for various Unsecured Businesses (Credit Cards, Loans, Current Accounts & Overdraft). Your role will offer you the opportunity to build/use new tools and techniques in order to find ways to optimise our programmes and customer treatment.

Barclays is one of the world's largest and most respected financial institutions, with 329 years of success, quality and innovation behind us. We offer careers that provide endless opportunity - helping millions of individuals and businesses thrive, and creating financial and digital solutions that the world now takes for granted.

What will you be doing?
• Providing world class analytics; transforming high level requests into focused and specific analysis
• Investigating our exposure to different kinds of credit risk, and our resilience in times of market stress, and proposing frameworks and/or activities to manage these
• Supporting in formulating policy and strategy - both in setting and reviewing risk "guardrails" and "decision frameworks" and directly proposing changes to strategy
• Formulating opportunities into proposals, sharing the proposals with your Manager and helping to bring the proposed opportunity to life
• Collaborating effectively with peers and the management team in order to achieve shared business objectives
• Presenting and communicating results to Senior Management and driving stakeholder discussions
• Conducting monthly BAU reporting and control activity

What we're looking for:
• Experience of working with databases (e.g. via SQL or SAS) and using SAS (or similar) for data analysis and mining tools on large datasets
• Ability to use Excel in order to quickly and accurately analyse results (e.g. familiarity with most of the following: pivot tables, conditional formatting, inbuilt function, array formulae)
• A Degree in Mathematics or a related analytical discipline; or equivalent and a good understanding of basic statistical techniques
• Ability to generate insights from data, assess the commercial / financial impact and recommend action; ability to translate insights into a clear story

Skills that will help you in the role:
• Ability to communicate within your peer-group and upwards (e.g. summarising results succinctly to senior stakeholders and peers)
• Excellent grasp of statistical techniques (e.g. familiarity with: measurements of mean and variance, multivariate regression, confidence intervals, hypothesis testing and etc.)
• Enthusiastic and effective when it comes to turning your insight into action
• Functional understanding of how a consumer lending product functions and how the key parts of its P&L might interact

Where will you be working?
Northampton was the birthplace of Barclaycard in 1966 and we've been based in Pavilion Drive since the building opened in 1997.
We purchased the building from the landlord in early 2018 as a sign of our commitment to investment in Northampton. Plans to further develop this Campus-style location are under way to allow for a real collaborative work environment. Based just off the A45 it is easily accessible by both car and bus routes.