Credit Risk Portfolio Analyst - 12 month secondment/FTC
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What you'll do
- 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.
- Running SAS scripts, producing regular reporting and insight packs for senior management, and supporting decision making through accurate analysis.
What they're looking for
- Degree or equivalent qualification with a strong analytical focus, ideally within a STEM, quantitative, or data driven discipline.
- Experience interrogating large data sets, identifying trends/risk/opportunities.
- Proven experience working as an analyst, with the ability to operate as a proactive self starter.
- Excellent problem solving skills, with strong numerical capability and a logical, structured approach to analysis.
- Experience using programming or analytical languages to run coding scripts and analyse, interpret, and validate data outputs.
Nice to have
- Experience querying and analysing data from relational databases using SAS/SQL, alongside strong knowledge of advanced Excel capabilities.
- Strong credit risk and financial analysis skills, with the ability to assess and interpret financial performance and risk indicators.
- Experience working within a Financial Services environment, with an understanding of regulated business contexts.
- Experience translating analysis into clear proposals.
- Proven ability to build and maintain effective working relationships with key colleagues and stakeholders.
Summarised by NextRaise from the employer’s description, which follows in full below.
Full description from employer
Job Description
Purpose of the role
To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio.
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.
Assistant Vice President Expectations
- To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions.
- Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes
- If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.
- OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes.
- Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues.
- Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda.
- Take ownership for managing risk and strengthening controls in relation to the work done.
- Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
- Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy.
- Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively.
- Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience.
- Influence or convince stakeholders to achieve outcomes.
All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave.
Join us as a Credit Risk Portfolio Analyst within Barclays where you will help shape the future of banking by monitoring and managing credit risk across lending products such as loans and credit cards. It focuses on determining customer eligibility through credit checks, supporting effective credit risk management, and producing high quality management information to track portfolio performance. Day to day, the role involves running SAS scripts, producing regular reporting and insight packs for senior management, and supporting decision making through accurate analysis. The position acts as a stepping stone into broader portfolio and credit risk management roles, offering exposure to data driven risk monitoring and governance activities.
To be successful as a Credit Risk Portfolio Analyst you will have:
• Degree or equivalent qualification with a strong analytical focus, ideally within a STEM, quantitative, or data driven discipline.
• Experience interrogating large data sets, identifying trends/risk/opportunities.
• Proven experience working as an analyst, with the ability to operate as a proactive self starter.
• Excellent problem solving skills, with strong numerical capability and a logical, structured approach to analysis.
• Experience using programming or analytical languages to run coding scripts and analyse, interpret, and validate data outputs.
Some other desirable skills may include:
• Experience querying and analysing data from relational databases using SAS/SQL, alongside strong knowledge of advanced Excel capabilities.
• Strong credit risk and financial analysis skills, with the ability to assess and interpret financial performance and risk indicators.
• Experience working within a Financial Services environment, with an understanding of regulated business contexts.
• Experience translating analysis into clear proposals.
• Proven ability to build and maintain effective working relationships with key colleagues and stakeholders.
This role can be based in Edinburgh or Glasgow.
You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills.
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