Credit Risk Associate Analyst 12-month Secondment

8192 Barclays Bank UK PLC; Glasgow; On-site; GBP 40,000 - 55,000; Full time

Job summary

Barclays Bank UK PLC in Glasgow is seeking a Credit Risk Associate Analyst to manage and optimise the bank's credit risk exposure. You will monitor, analyse, and report on the creditworthiness of the lending portfolio, covering borrowers, sectors, and regions, and you will develop models and tools to measure potential losses.

The role requires SAS/SQL experience, data literacy, and the ability to translate data into actionable insights.

Qualifications

• Experience using SAS or a similar coding environment / language, such as R and Python, beginner level of coding.
• Good data literacy and ability to interpret MI reports as a means to contextualise findings.
• Stakeholder management skills and strong communication skills to manage internal and external stakeholders.
• Proficiency with Excel, intermediate ability is necessary.
• Ability to translate data into actionable business insights.
• Ability to plan and schedule workload according to deadlines.

Responsibilities

• Monitoring the financial performance and risk profile of the entire lending portfolio.
• Analysis of credit trends, identify early warning signs of potential borrowers' issues.
• Development and utilisation of quantitative models and risk forecasting tools.
• Performance of portfolio stress testing exercises.
• Definition and setting of portfolio, segment and customer risk appetite, policy and limits.
• Overseeing first line execution within these parameters.

Skills

SAS

SQL

Python

Data literacy

Stakeholder management

Excel

Communication

Job description

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.

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.

• 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. 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.

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.

The role involves using SAS and SQL to output and interrogate data, and maintain reports, as well as ensuring information produced is accurate, logical, and fit for purpose.

To be successful as a Credit Risk Associate Analyst, you should have the following essential skills. Experience and proven ability using SAS or a similar coding environment / language, such as R and Python, and knowledge of SQL. Beginner level of coding is appropriate. Good data literacy and ability to interpret MI reports as a means to contextualise findings. Stakeholder management skills and strong communication skills to manage internal and external stakeholders. Proficiency with Excel, intermediate ability is necessary. Ability to translate data into actionable business insights. Ability to plan and schedule workload according to deadlines.

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.

This role is based in Glasgow.

Our Work Experience is the combination of everything that's unique about us: our culture, our core values, our company meetings, our commitment to sustainability, our recognition programs, but most importantly, it's our people.

Our employees are self-disciplined, hard working, curious, trustworthy, humble, and truthful. They make choices according to what is best for the team, they live for opportunities to collaborate and make a difference, and they make us the #1 Top Workplace in the area.