VP - Credit and Data Analytics

Barclays•Wilmington, NC

2d•Hybrid

About The Position

The purpose of the role is to assess, monitor, and manage the potential for financial loss due to the default of a bank's trading partners. This involves monitoring the bank's exposure to each counterparty across different product lines and asset classes, analyzing the financial condition and creditworthiness of counterparties (corporations, financial institutions, and sovereign entities), developing and implementing credit scoring models, conducting stress testing, and negotiating and managing collateral agreements.

Requirements

Experience with statistical techniques such as CHAID Decision Trees and optimization procedures.
Proficiency in writing SAS or SQL scripts to navigate databases.
Experience in developing and implementing credit scoring models.
Experience in conducting stress testing.
Experience in negotiating and managing collateral agreements.
Ability to contribute or set strategy, drive requirements and make recommendations for change.
Ability to plan resources, budgets, and policies; manage and maintain policies/processes; deliver continuous improvements and escalate breaches of policies/procedures.
Ability to develop underwriting strategy models through analyzing customer behavior and risk/credit strategy.
Ability to optimize initial credit line strategies evaluating line assignment dynamics and profitability.
Ability to perform model valuations to regularly evaluate existing strategies and identifying opportunities to optimize.
Ability to work with Segment, Strategic Analytics, and Decision Science staff to ensure project completion within agreed time frames and end-client satisfaction.
Ability to develop and maintain comprehensive reporting for senior management.
Supervisory experience (Supervise 2 AVP Credit Analysts).
Ability to advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment.
Ability to manage and mitigate risks through assessment, in support of the control and governance agenda.
Demonstrate leadership and accountability for managing risk and strengthening controls.
Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business.
Ability to collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies.
Ability to create solutions based on sophisticated analytical thought comparing and selecting complex alternatives.
Ability to perform in-depth analysis with interpretative thinking to define problems and develop innovative solutions.
Ability to adopt and include the outcomes of extensive research in problem solving processes.
Ability to seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders.
Ability to use influencing and negotiating skills to achieve outcomes.
Demonstrate Barclays Values of Respect, Integrity, Service, Excellence and Stewardship.
Demonstrate the Barclays Mindset – to Empower, Challenge and Drive.

Nice To Haves

Experience with credit card P&L drivers.
Experience in developing and maintaining monthly reporting on customer behavior including card spend, balances, payment behavior, delinquency and credit loss characteristics.
Experience in comparing Barclays performance relative to dynamics of credit card industry.

Responsibilities

Monitor the bank's exposure to each counterparty across different product lines and asset classes.
Analyze the financial condition and creditworthiness of the bank's counterparties, including corporations, financial institutions, and sovereign entities.
Develop and implement credit scoring models to quantify counterparty risk.
Conduct stress testing to assess the impact of potential counterparty defaults on the bank's capital and liquidity.
Negotiate and manage collateral agreements with counterparties to mitigate potential losses in case of default.
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.
Develop underwriting strategy models through analyzing customer behavior and risk/credit strategy using statistical techniques such as CHAID Decision Trees, optimization procedures, writing SAS or SQL scripts to navigate databases, and incorporating score implementations supporting launch.
Optimize initial credit line strategies evaluating line assignment dynamics and profitability, through evaluating impact of credit lines on different credit card P&L drivers.
Perform model valuations to regularly evaluate existing strategies and identifying opportunities to optimize.
Work with Segment, Strategic Analytics, and Decision Science staff to ensure project completion within agreed time frames and end-client satisfaction.
Develop and maintain comprehensive reporting to share with the senior management monthly - this includes customer behavior including card spend, balances, payment behavior, delinquency and credit loss characteristics and comparison on Barclays performance relative to dynamics of credit card industry.
Supervise 2 AVP Credit Analysts.
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.