Consumer Credit Risk Analyst

Job Description

Job Title: Consumer Credit Risk AnalystLocation: NoidaAbout BarclaysBarclays 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 ObjectiveTake ownership for managing risk and strengthening controls in relation to the work you do.Working FlexiblyWere 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 youre 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 needsHybrid WorkingStructured hybrid role: At Barclays, we offer a hybrid working experience that blends the positives of working alongside colleagues at our onsite locations, together with working from home. We have a structured approach where colleagues work at an onsite location on fixed, anchor, days of the week, for a minimum of two days a week or more, as set by the business area (or nearest equivalent if working part-time hours). Please discuss the working pattern requirements for the role you are applying for with the hiring manager. Please note that as we continue to embed our hybrid working environment, we remain in a test and learn phase, which means that working arrangements may be subject to change on reasonable notice to ensure we meet the needs of our business.Introduction:This role is responsible for building an Analytical Ready Data as well as publishing of reports on reporting tools i.e Tableau, Alteryx, Business Objects etc. the role will also cover elements of Climate risk which is a principal risk for Barclays.The incumbent will interact with wider RIS and risk teams, technology, policy, governance and finance teams in this role.What will you be doing. Strategic Projects (55%)o Execution of key strategic and regulatory projects primarily financial difficulty, Climate Risk, Analytical Ready DataMart and utilising reporting toolso Understand portfolio requirements and contribute to enhanced risk analysis through independent interaction and collaboration with the stakeholderso Implement key internal Projects to support portfolio and overall RIS requirementso Carry out investigations, reconciliations and analysis to explain trends, outliers, peaks and troughs demonstrating impact of Business strategy on risk metricsImproving Internal Processes/ Quality (20%)o Doing detailed impact analysis to identify impact from data migration, climate risk in UK, Financial Difficulty policy complianceo Accuracy of reporting while connecting reporting to the authoritative data sources and identifying correct flags on the data for identificationo Lead Initiatives to improve and automate processes to minimize errors and reduce effortPortfolio MI Reporting (20%)o Help ensure regular delivery of standardised Risk Information packs to agreed stakeholders.o Adhere to completeness, accuracy and timeliness principles of Risk Data Aggregation and Reporting.o Optimal mix of automation and portfolio insights to ensure that Risk Information is consistent, accurate and actionable.o Provide accurate Risk Information in compliance with Group and regulatory requirementso Development of new Risk Information suites, datamarts and self-serve utilities as requiredGovernance and Control (5%)o Comply with the Capital and Risk Information services governance framework, change management requirements, EUDA and process review requirements and BCBS239 compensating control requirements.o Ensure stakeholders are engaged and sign-off all relevant documentsWhat were looking for:o Masters in Statistics, Mathematics, Economics ,Operational research field, Engineering, Masters in Business Administrationo Banking and Credit Risk Exposure on Retail lending products i.e. Mortgages, loans, credit cardso Proficient in SAS, Tableau, Alteryx, SQLo Prior exposure to working on data structures for retail banking productso Strong communication skills and ability to explain complex issues to a wide range of stakeholderso Proficient with IT and PC systems - Word, Excel, Powerpoint, AccessSkills that will help you in the role:o Exposure to business analysis, investigating issues will be advantageous.o An awareness of the theoretical and practical side of risk management.o Some knowledge of risk models - this is not a modelling role but the ability to understand the concepts and limitations of PD modelling is preferable.Where will you be workingNoidaBe More at BarclaysAt Barclays, each day is about being more - as a professional, and as a person. Be More @ Barclays represents our core promise to all current and future employees. Its the characteristic that we want to be associated with as an employer, and at the heart of every employee experience. We empower our colleagues to Be More Globally Connected, working on international projects that improve the way millions of customers handle their finances. Be More Inspired by working alongside the most talented people in the industry, and delivering imaginative new solutions that are redefining the future of finance. Be More Impactful by having the opportunity to work on cutting-edge projects, and Be More Valued for who you are.Interested and want to know more about Barclays Visit home.barclays/who-we-are/ for more details.Purpose, Values and MindsetWe deploy finance responsibly to support people and businesses, acting with empathy and integrity, championing innovation and sustainability, for the common good and the long term.Our values underpin everything we do: Respect, Integrity, Service, Excellence and Stewardship.RespectWe harness the power of diversity and inclusion in our business, trust those we work with, and value everyones contribution.IntegrityWe operate with honesty, transparency and fairness in all we do.ServiceWe act with empathy and humility, putting the people and businesses we serve at the centre of what we do.ExcellenceWe champion innovation, and use our energy, expertise and resources to make a positive difference.StewardshipWe prize sustainability, and are passionate about leaving things better than we found them.Our Mindset shapes how we take action, living by our Values, driven by our Purpose, always with our customers and clients at the heart of what we do our Mindset is to Empower, Challenge and Drive.EmpowerTrust and support each other to deliver. Make decisions with those closest to the topic. Include diverse perspectives. Celebrate success and learn from failure.ChallengeQuestion whether things can be done better. Use insights based on data to inform decisions. Be curious about how we can adapt and improve. Speak up and be open to alternative viewpoints.DriveFocus on outcomes. Deliver with pace. Be passionate and ambitious about what we do. Take personal responsibility. Actively build collaborative relationships to get things done.

Keyskills :
AlteryxSASAccessTableauExcelSqlPowerpoint