Credit Officer - Financial Institutions Barclays

5.0 - 9.0 years

0 Lacs

maharashtra

On-site

Embark on a transformative journey as a FI Credit Risk Officer at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unparalleled customer experiences. As an FI Credit Risk Officer at Barclays, your primary responsibility will be the effective credit risk management of the assigned portfolio of clients, including financial institutions such as Banks, Sovereigns, Funds, and CCPs. This involves ensuring compliance with Banks credit risk policies & procedures and the internal controls framework. You will play a crucial role in supporting credit risk sanctioning and establishing effective working relationships with other credit officers, business and product teams, and various relevant functional areas, including senior internal stakeholders. To excel in this role, you should have experience in preparing annual credit review packs and Industry reviews, supporting credit officers in day-to-day risk management activities, managing credit limit requests, monitoring risk limits, and maintaining accurate information in the Banks Risk systems. Additionally, possessing a thorough understanding of the underlying principles and concepts within the area of expertise will be highly valued. Key skills that will be assessed for your success in this role include risk and controls, change and transformation, business acumen, strategic thinking, digital and technology proficiency, and job-specific technical skills. The job location for this role is in Mumbai. **Purpose of the role:** Your main purpose will be to assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirements. This involves analyzing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices. **Accountabilities:** - Monitoring the performance of approved lending, identifying potential risks and early warning signs of delinquency. - Evaluating the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions. - Providing independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements. - Developing and implementing appropriate courses of action for troubled lending, including workout plans, restructuring, or collections. **Analyst Expectations:** - Performing prescribed activities in a timely and high-standard manner consistently driving continuous improvement. - Demonstrating in-depth technical knowledge and experience in the assigned area of expertise. - Leading and supervising a team, guiding professional development, allocating work requirements, and coordinating team resources. - Taking ownership of managing risk and strengthening controls in relation to the work you own or contribute to. All colleagues at Barclays are expected to uphold the Barclays Values of Respect, Integrity, Service, Excellence, and Stewardship, as well as demonstrate the Barclays Mindset of Empower, Challenge, and Drive.,

Posted 2 days ago

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Senior Credit Risk Analyst Biz2X

4.0 - 8.0 years

0 Lacs

noida, uttar pradesh

On-site

About Biz2X Biz2X is the leading digital lending platform, enabling financial providers to power growth with a modern omni-channel experience, best-in-class risk management tools, and a comprehensive yet flexible Servicing engine. The company partners with financial institutions to support their Digital Transformation efforts with Biz2X's digital lending platform. Biz2X solutions not only reduce operational expenses but also accelerate lending growth by significantly improving client experience, reducing total turnaround time, and equipping relationship managers with powerful monitoring insights and alerts. Key Responsibilities: You will be responsible for building credit risk models, driving underwriting and credit decisions, and ensuring optimization across risk, pricing, and business growth. You'll play an important role in shaping our lending products and processes, ensuring they are built on a solid foundation of prudent risk management. - Credit Decisioning: Leverage or build advanced credit risk models (functional rule-based/heuristics and machine learning models) and lead critical credit decisions. - Policy Development: Assist in drafting a detailed risk policy for the business loan business and closely monitor the adherence to the same. - Data Utilization: Work extensively with Credit Bureau, Bank statement, financial data. Identify and evaluate alternate data features to explore credit expansion opportunities. - Team Development: Coach and mentor younger team members to create a world-class credit team both in functional credit analysis and machine learning-based models. - Reporting and Monitoring Systems: Drive robust monitoring and alerting systems for early warning signals of delinquencies in the portfolio, ensuring agility in decision-making. Perform Root cause analysis and present those to stakeholders in a timely fashion. - Underwriting: Responsible for managing the underwriting operations and performing risk assessment for various policies. You Should Apply If You: - Risk professional with 4+ years of experience across a bank/NBFC with experience across retail-individual and retail business (micro-businesses) underwriting/fraud/risk/collection. - Strong hands-on experience and expertise in building Machine Learning-based underwriting statistical models. - Deep domain/functional knowledge in credit underwriting/credit analysis. - Proven experience in underwriting risk management in the fintech or financial services industry, with a focus on credit risk. - Strong knowledge of fintech products, unsecured lending products, services, and technologies, as well as the regulatory landscape governing the industry. - Experience in Product and Credit Policy formulation, Collections and Recovery, Fraud, and Operational Risks. - Exceptional analytical and problem-solving skills, with the ability to assess complex situations and make sound decisions. - Strong leadership capabilities with the ability to build and lead a high-performing risk management team. - Excellent Analytical and Data Science capabilities. Apply on - https://app.intalent.ai/biz2credit/recruitment/candidate/new/366,

Posted 5 days ago

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