We are seeking a Credit Risk Specialist - Barclaycard Europe to join the Credit Risk team specifically reviewing new and existing credit exposures covering Barclaycards Acquiring and Commercial Issuing portfolios across the EEA. The role involves the recruitment of new clients, the on-going management of clients in terms of performance and associated limits.
To be successful in this role, you will have the following:
- Experience evaluating balance sheets to form independent judgement regarding new or existing limits for corporate clients.
- Understanding ERMF and associated control environment as well as regulatory requirements to operate in control.
- Excellent communicator with strong verbal and written skills with an ability to influence both internally and externally.
- Collaborative work style and ability to work across multiple projects and manage multiple stakeholders.
Desirable skills include:
- Experience working in global/pan-European teams with good knowledge of banking products processes.
- Experience in an issuing and acquiring environment and a knowledge of the different types of security options which may be available.
- Quantitative and detail orientated with educational background in finance, economics etc or relevant industry experience.
- Knowledge of presentation tools and data analysis preferable.
This role is based in Dublin on a 12 month secondment/fixed term contract.
You may be assessed on 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 deemed as a Controlled Function role under the Central Bank of Ireland Fitness and Probity Regulations and may require the role holder to hold mandatory regulatory qualifications or the minimum qualifications to meet internal company benchmarks.
Entry Salary: €73,000
Upper Salary: €80,000
The entry and upper salary information above includes only annual full-time equivalent base salary and represents the typical range of pay for the role. The actual pay rate will reflect the responsibility level of the role and experience level of the individual. The entry and upper salary information does not include any other type of compensation or benefits that may be available.
Barclays employees are also eligible for a suite of competitive country-specific benefits.
This position is eligible for an incentive award.
Purpose of the role
To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with business activities.
Accountabilities
- Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.
- Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.
- Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.
Assistant Vice President Expectations
- To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions.
- Lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes.
- Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues.
- Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda.
- Take ownership for managing risk and strengthening controls in relation to the work done.
- Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
- Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy.
- Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively.
- Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience.
- Influence or convince stakeholders 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.
