Credit Risk Analyst

Northampton, United Kingdom
20 Jan 2023
29 Jan 2023
Job Function
Risk Management
Industry Sector
Finance - General
Employment Type
Full Time
As a Barclays Credit Risk Analyst, get the opportunity to drive value through appropriate Risk Management of relevant credit risk analytics and strategies for the Barclays Payments Small Business Issuing portfolio (BPI). Developing and optimisation of credit risk strategies and processes with accountability for driving profitability and growing the portfolio within the defined risk appetite, tracking and monitoring of BPI credit risk strategy performance, and providing insights and recommending improvements will be your responsibilities.
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.

Working Flexibly
We're committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognizes 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, and your request will be reviewed subject to business needs.

We are currently in the early stages of implementing a hybrid working environment, which means that many colleagues spend part of their working hours at home and part in the office, depending on the nature of the role they are in. We're flexible on how this works and it may continue to change and evolve. Depending on your team, typically this means that colleagues spend a minimum of between 20% to 60% of their time in the office, which could be over a week, a month, or a quarter. However, some colleagues may choose to spend more time in the office over a typical period than their role type requires. We also have a flexible working process where, subject to business needs, all colleagues globally can request work patterns to reflect their personal circumstances. Please discuss the detail of the working pattern options for the role with the hiring manager.

What will you be doing?
• Supporting the development and optimization of various existing customer management strategies
• Providing insight and recommendations to Senior Credit Risk Manager in order to support in the creation of risk strategies to contain the cost of risk and achieve P&L/impairment targets
• Assisting in the in-depth monitoring of performance of certain credit policies, highlighting trends / insights, and driving corrective actions
• Ensuring strategy and model documentation and governance remains up-to date, and working with the internal validation unit to ensure models are well-governed
• Backing external reviews of all strategies and policies (e.g., Audit, Peer review), and ensuring we remain compliant as a business to all internal and external controls
• Sourcing data from various data warehouses and external partners
• Responding to requests for information from senior management, and producing timely, clear, and accurate data/insight to meet those requests

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
• Advanced understanding of standard statistical package (SAS/SQL essential) and Excel
Skills that will help you in the role:
• Background in Credit Risk
• Bachelors/Master's degree in Statistics, Mathematics', or Operational Research would be advantageous
• Experience using Python

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.
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