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, identification of early warning signs of potential borrowers’ issues, and assessment of 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
Contribute to or set strategy, drive requirements and make recommendations for change. Plan resources, budgets and policies; manage and maintain policies and processes; deliver continuous improvements and escalate breaches of policies and procedures. If managing a team, define jobs, responsibilities, and plan for the department’s future needs and operations; counsel employees on performance and contribute to employee pay decisions and changes. Lead specialists to influence the operations of a department, balancing short‑and‑long‑term goals and ensuring budgets and schedules meet corporate requirements.
For leaders, demonstrate clear leadership behaviours: Listen and be authentic, Energise and inspire, Align across the enterprise, and Develop others. For an individual contributor, act as a subject‑matter expert, guide technical direction, lead collaborative multi‑year assignments, train and coach less experienced specialists, and provide information that influences long‑term profits 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; strengthen controls in alignment with governance agenda; and collaborate with other areas to keep up to speed with business activity and strategies.
Key Responsibilities
- Create solutions based on sophisticated analytical thought, comparing and selecting complex alternatives.
- Conduct in‑depth analysis with interpretative thinking to define problems and develop innovative solutions.
- Adopt and include outcomes of extensive research in problem‑solving processes.
- Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders to accomplish key business objectives using influencing and negotiating skills.
- Demonstrate Barclays values of Respect, Integrity, Service, Excellence and Stewardship, and adopt the Barclays mindset of Empower, Challenge and Drive.
- Lead a team of five colleagues focused on credit risk and credit strategy, supporting business growth through scalable and effective credit solutions.
- Develop, deploy and refine credit strategies in line with regulatory and affordability requirements, respond to changes in the external environment through insight‑led analysis, and understand key risk drivers.
- Deliver change and transformation, regularly identifying, managing and articulating credit risks and controls.
Qualifications
- Experience interrogating large data sets, identifying trends, risk and opportunities, and managing teams that do so.
- Credit risk and affordability experience.
- Understanding of FCA regulations.
- Experience translating analysis into clear proposals.
- Experience managing risk and controls.
- Experience in leadership, managing multiple senior stakeholders.
- Experience in credit risk – portfolio management.
- Understanding of credit models.
Additional Information
May be assessed on 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.
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