Credit Data Analytics Lead

2 weeks ago


Wilmington, United States Barclays Full time

Credit Data Analytics Lead

Wilmington, DE

As a Barclays Credit Data Analytics Lead, you will be building the existing customer market credit strategies from scratch within the risk appetite and Risk reward framework. You will also be responsible for seeking approval from the Risk Independent validation unit and legal/ compliance and fair lending teams. The credit data and analytics team is responsible for supporting the US consumer bank business with cutting edge analytics to make Underwriting and existing customer management decisions to keep customers engaged.

Barclays is one of the world's largest and most respected financial institutions, established in 1690, with a legacy of success, quality, and innovation. We've helped millions of individuals and businesses thrive, creating financial and digital solutions that the world now takes for granted. An important and growing presence in the USA, we offer careers providing endless opportunity.

We currently offer a hybrid working model where colleagues have the flexibility to split their time working from home and an office. Everyone has the opportunity to integrate their professional and personal lives through this dynamic working model.

What will you be doing?

• Being responsible for utilizing the risk appetite and risk reward framework to build ECM credit strategies from scratch

• Obtaining necessary approval from Risk 2LOD, Risk Independent validation unit under the Model Risk management space, and from Legal/ Compliance and Fair Lending teams

• Managing the controls associated with all the strategies to Exception reporting, MIS reporting and Ad-hoc analysis as required by senior management

• Being responsible for managing and sharing insights regarding the overall Authorization goal for the Bank

• Tracking the approval rates and comparing it with industry provided benchmark to identify opportunities to propose to senior management

• Being responsible for making choices related to managing exceptions to strategies and remediations

What we’re looking for:

• Bachelor’s degree in STEM and experience in creating Credit Strategies (Over-limit/ Delinquent Auth/ Payhold/ High Risk Account Management strategies)

• Experience in utilizing data query tools SAS, Python or SQL to support, test, evaluate and maintain data analysis and Management Information Systems (MIS) reporting

• Experience constructing credit proposal (targeting criteria, stress level, objective function, financial assumption) and complete risk team check process

• Experience working collaboratively with 2nd line of defense team (Risk team), model validation/governance team, legal/compliance team; with great interpersonal skills

In addition to the skills required to execute the job well, we're looking for people with the following capabilities to grow and contribute to our culture:

• Empathy: An ability to see a situation from another person’s perspective

• Ownership: A strong sense of pride in your work

• Connection: Build relationships with partners and colleagues

• Innovation: Openness to finding creative solutions

• Persistence: Desire to go above and beyond when necessary to get the job done

• Collaboration: Work well with others while building projects together

Skills that will help you in the role:

• Master’s degree in Computer Science, Mathematics, Statics, Operation Research

• Ability to provide and support with investment efficient frontier options given various investment objective functions under Risk appetite and capital constraints

• Ability to perform complex and advanced financial analysis and valuation, i.e., economic value/ present value financial models using SAS and Python

• Ability to ideate, test, and evaluate product, and make choices to optimize profitability for Credit programs using test/control incremental methodology

At Barclays we understand that power of great customer experiences and we work hard every day to make sure that the needs and expectations of our customers are met and exceeded. We focus our energies on making every customer engagement better than before.

Where will you be working?

Barclays’ Wilmington campus boasts a recently renovated office space featuring a cafe, coffee bar, wellness breakout spaces and more. The campus is located along the historic Wilmington Riverfront where a glance out our windows reveals a scenic look at the Christina River and a growing riverfront community of luxury apartments, shops and restaurants. Additionally, the Wilmington train station is a short walk away, making travel from New York and Washington, DC fast and convenient.

We offer an environment that enables you to thrive and make an impact. Our colleagues are hard-working, focused on solutions, and collaborative. Here you will find people helping people at every level. Our culture is dedicated to innovation and maintaining a sense of balance and well-being.

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