Join us as a "Credit Analyst" at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionise our digital offerings, ensuring unapparelled customer experiences.

To be successful as a "Credit Analyst", you should have experience with:

Basic/ Essential Qualifications:

* Having experience in corporate credit risk / relationship management within Indian banks / Foreign Banks or NBFCs / Rating Agencies.

* Chartered Accountant.

* MBA.

* Qualification from other professional bodies (FRM / CFA/ CAIIB etc.).

Desirable skillsets/ good to have:

* Good understanding of Corporate Banking products.

* Stakeholder management.

* Good communication skills.

You may be assessed on the key critical skills relevant for success in role, such as experience with credit risk / analysis / underwriting, as well as job-specific skillsets.

This role will be based out of Noida.

Purpose of the role

To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.

Accountabilities

Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs 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.

Analyst Expectations

To meet the needs of stakeholders/ customers through specialist advice and supportPerform prescribed activities in a timely manner and to a high standard which will impact both the role itself and surrounding roles.Likely to have responsibility for specific processes within a teamThey may lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources. They supervise a team, allocate work requirements and coordinate team resources.If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.OR for an individual contributor, they manage own workload, take responsibility for the implementation of systems and processes within own work area and participate on projects broader than direct team.Execute work requirements as identified in processes and procedures, collaborating with and impacting on the work of closely related teams.Check work of colleagues within team to meet internal and stakeholder requirements.Provide specialist advice and support pertaining to own work area.Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.Maintain and continually build an understanding of how all teams in area contribute to the objectives of the broader sub-function, delivering impact on the work of collaborating teams.Continually develop awareness of the underlying principles and concepts on which the work within the area of responsibility is based, building upon administrative / operational expertise.Make judgements based on practise and previous experience.Assess the validity and applicability of previous or similar experiences and evaluate options under circumstances that are not covered by procedures.Communicate sensitive or difficult information to customers in areas related specifically to customer advice or day to day administrative requirements.Build relationships with stakeholders/ customers to identify and address their needs.

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.