Area of Expertise: Risk and Quantitative Analytics
Contract: Permanent
Reference Code: JR\-0000112848
Join us as a "Credit Analysis Manager" at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting\-edge technology to revolutionise our digital offerings, ensuring unapparelled customer experiences.
You may be assessed on the key critical skills relevant for success in role, such as experience with Credit Manager, as well as job\-specific skillsets.
To be successful as a "Credit Analysis Manager", you should have experience with:
Provide best\-in\-class analysis
Transform high\-level requests into focussed and specific deep dive analysis.
Structure lending proposals based on observations/ knowledge of client and industry risks.
Prepare well\- reasoned \& succinct credit proposals highlighting key risks and mitigants to enable decision making.
Improve Internal Processes
Identify new opportunities for enhancing/ streamlining the process.
Formulate opportunities into proposals, share with the people leader and help implement, where applicable.
Team Player Activities
Work effectively with peers and management team to achieve shared business objectives.
Contribute to the wider colleague agenda of the BI CCR and Risk functions in India, as required.
Stakeholder Management and Leadership
The key stakeholders of this role will be
Risk Sanctioners.
Relationship Directors \& Associate Bankers.
Monitoring \& Control team.
Control teams.
Basic/ Essential Qualifications
CA or MBA\-Finance (CFA/FRM added advantage).
Prior experience in corporate credit analysis in any Indian nationalised and private banks or foreign bank (Rating Agency added advantages).
Ability to generate insights from data and information, assess the risk impact and recommend action.
Understanding of financial statements to enable appropriate interpretation of results.
Deep understanding of Corporate Banking products, Opportunity Assessment and Deal Structuring.
Familiarity with MS Office and AI tools.
Conceptual thinking – find innovative ways to solve analytical problems.
Ability to deliver accurate results within tight deadlines.
Team work – Commitment and ability to work with cross\-functional teams.
Strong interpersonal skills.
Oral and written communication skills with ability to translate insight into a coherent story.
Desirable skillsets/ good to have
Knowledge of UK GAAP and IFRS.
Awareness of legislation affecting the Bank and customers (including the Data Protection Act, Companies Act, Insolvency Act, Financial Services Act, Money Laundering and confidentiality regulations, Sarbanes Oxley and Basel).
This role will be based out of Pune.
*Purpose of the role**
To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.
*Accountabilities**
Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.
Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default.
Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.
Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.
*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
They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
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 develop technical expertise in work area, acting as an advisor where appropriate.
Will have an impact on the work of related teams within the area.
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.
Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
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.
Advise and influence decision making within own area of expertise.
Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
Maintain and continually build an understanding of how own sub\-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub\-function.
Make evaluative judgements based on the analysis of factual information, paying attention to detail.
Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
Guide and persuade team members and communicate complex / sensitive information.
Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.