Credit Specialist

Barclays Shared Services Pvt. Ltd; Dubai; On-site; AED 120,000 - 150,000; Full time

Job summary

A leading financial services company is seeking a skilled professional to develop and manage financial products. The role involves customer engagement, risk management, and strategic contributions to enhance product offerings and ensure compliance. Ideal candidates will demonstrate strong analytical and communication skills while managing credit transactions and stakeholder relationships effectively.

Qualifications

• Proven ability in structuring credit transactions.
• Fluency in English and professionalism.

Responsibilities

• Manage end-to-end annual credit reviews.
• Oversee credit relationships and identify risks.
• Act as liaison between Credit Risk, Bankers, and Clients.

Skills

Communication

Analytical Skills

Relationship Building

Tools

Avaloq

Gateway

Job description

To develop and manage the success of specific financial products and services, providing in-depth expertise on a particular product line, bridging the gap between product development, marketing, sales, and customer service.

Accountabilities

1. Provision of SME expertise on specific products and services to customers and colleagues, including features, functionalities, benefits, financial returns, limitations, risks, and compliance.
2. Market and Data Analysis: Understanding of market trends, new features, regulatory requirements, and potential risks, analyzing data from sales figures and customer feedback to support product origination and development, and communicating key findings to relevant stakeholders to improve product offerings.
3. Customer Engagement: Responding to customer inquiries, attending client meetings, understanding complex financial circumstances, originating credit resolutions, and guiding on product usage.
4. Product Promotion: Presenting product advantages and features to potential customers, building trust, and encouraging adoption.
5. Knowledge Sharing: Participating in training sessions and workshops to share product knowledge with colleagues and stakeholders.
6. Brand Representation: Participating in events and conferences to showcase products and generate interest.
7. Strategy and Policy Development: Contributing to strategy, driving requirements, making recommendations for change, planning resources, budgets, and policies, and managing policy adherence and process improvements.
8. Leadership and Team Management: If managing a team, defining roles, planning for future needs, counseling on performance, influencing operations, and leading specialists in strategic and tactical priorities while managing budgets and schedules.
9. Leadership Behaviors: Demonstrating leadership qualities aligned with Barclays' LEAD behaviors—Listening, Energizing, Aligning, and Developing others.
10. Subject Matter Expertise: For individual contributors, guiding technical direction, leading multi-year projects, coaching less experienced staff, and informing strategic decisions.
11. Stakeholder Advisory: Advising senior management and functional leaders on impact and alignment across functions.
12. Risk Management: Managing and mitigating risks, strengthening controls, and demonstrating accountability in risk management.
13. Organizational Understanding: Contributing to business goals through comprehensive understanding of organizational functions.
14. Cross-Functional Collaboration: Keeping abreast of business strategies and supporting collaboration across areas.
15. Analytical Solutions: Creating solutions through sophisticated analysis, comparing alternatives, and incorporating research outcomes.
16. Relationship Building: Building and maintaining trust with internal and external stakeholders to achieve business objectives, utilizing influencing and negotiating skills.

Core Expectations

All colleagues are expected to embody Barclays' Values of Respect, Integrity, Service, Excellence, and Stewardship, and to demonstrate the Barclays Mindset to Empower, Challenge, and Drive our operating principles.

Key Responsibilities

1. Annual Credit Reviews: Manage the end-to-end process ensuring timely, accurate, and compliant reviews.
2. Portfolio Management: Oversee credit relationships, identify risks, recommend actions, and track performance.
3. New Credit Transactions: Support origination, structuring, and documentation collaboratively.
4. Risk Monitoring: Use systems like Avaloq to monitor market and client risks proactively.
5. Stakeholder Engagement: Act as liaison between Credit Risk, Bankers, and Clients to address queries efficiently.
6. Documentation: Record decisions and update systems such as Gateway and Avaloq.
7. Strategic Contribution: Support delivery of credit targets and broader business objectives.
8. Experience and Skills: Proven ability in structuring credit transactions, risk monitoring, excellent communication, analytical skills, fluency in English, and professionalism.

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