Overview
As a Credit Risk Analyst, you will leverage data analytics to optimize risk/reward decisions within BUK Unsecured Lending, covering various products and new launches. You will design credit policies across the customer lifecycle, ensuring loss rates stay within risk appetite while achieving expected rewards. Supporting the commercial team, you will align with business goals and conduct in-depth analysis on portfolios using data from various sources. You will develop reports to establish credit performance and contribute to monthly Risk Management Committee and senior stakeholder meetings, providing ad-hoc insights and support to the wider CRO teams.
Key Responsibilities
* Sourcing data from various warehouses and partners, producing high-quality recommendations for underwriting strategy and exposure optimization.
* Providing insights to support risk strategies and P&L/impairment targets.
* Monitoring credit policy performance, highlighting trends, and driving corrective actions.
* Producing and maintaining BAU reports, responding to senior management requests with clear and accurate data, and communicating proposed strategy changes effectively to team leaders and stakeholders.
* Influencing ongoing communications with senior business stakeholders, including Finance, CRO, Decision Analytics, and Commercial heads.
* Devoting to the bank’s overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio (as described under the Purpose of the role).
Location
Northampton
Accountabilities
* Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions.
* Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio.
* Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses.
* Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile.
* Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters.
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.
* Lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
* If the position has leadership responsibilities, demonstrate leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: Listen, Energise, Align, Develop others.
* For an individual contributor, develop technical expertise in the work area, acting as an advisor where appropriate.
* Impact on the work of related teams within the area and 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, and embed new policies/procedures due to risk mitigation.
* Advise and influence decision making within own area of expertise; manage risk and strengthen controls in relation to the work you own or contribute to.
* Maintain understanding of how own sub-function integrates with the broader function and the organisation 's products, services and processes.
* Demonstrate understanding of how areas coordinate and contribute to the achievement of the organisation’s objectives.
* Make evaluative judgments based on analysis of factual information and communicate complex/sensitive information; act as a contact point for stakeholders outside the immediate function.
All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship and the Barclays Mindset to Empower, Challenge and Drive.
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