Barclays
Senior Credit Risk Portfolio Management Lead
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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.
Vice President Expectations
To contribute or set strategy, drive requirements, and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/processes; deliver continuous improvements and escalate breaches of policies/procedures.
If managing a team, they define jobs and responsibilities, planning for the department’s future needs and operations, counselling employees on performance, and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.
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
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OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide, and coach less experienced specialists and provide information affecting long-term profits, organisational risks, and strategic decisions.
Advise key stakeholders, including functional leadership teams and senior management on functional and cross-functional areas of impact and alignment. Manage and mitigate risks through assessment, in support of the control and governance agenda. Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does. Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies. Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions. Adopt and include the outcomes of extensive research in problem-solving processes. Seek out, build, and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills 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.
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Join us as a Senior Credit Risk Portfolio Management Lead within Barclays
Where you will help shape the future of banking by being responsible for leading a team of 5 colleagues focused on credit risk and credit strategy, supporting business growth through scalable and effective credit solutions.
The role involves developing, deploying, and refining credit strategies in line with regulatory and affordability requirements, responding to changes in the external environment through insight-led analysis, and understanding key risk drivers. Additionally, the role includes delivering change and transformation, while regularly identifying, managing, and clearly articulating credit risks and controls.
To be successful as a Senior Credit Risk Portfolio Management Lead, you should have:
- Experience interrogating large data sets, identifying trends/risk/opportunities, and managing teams who do so.
- Credit risk & Affordability experience
- Understanding of FCA regulations
- Experience translate analysis into clear proposals
- Experience in managing risk and controls
- Experience in leadership, managing multiple senior stakeholders
- Experience in credit risk - portfolio management
- Understanding of credit models
You may be assessed on the key critical skills relevant for success in the 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 can be based in Edinburgh or Glasgow.
Our Work Experience
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.
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