Job Description
Purpose of the role
To drive the success of the commercial banking segment through market analysis, product development, sales and relationship management, risk management, and performance.
Accountabilities
- Execution of market research to understand the competitive landscape, identify market trends and opportunities, and develop strategies to capture market share within the commercial banking segment, taking into consideration industry, size, and growth stage.
- Development of appropriate pricing models for different products and services, ensuring profitability while remaining competitive in the market.
- Development, implementation and management of innovative financial solutions, services and products aligned to the banks objectives and are tailored to the commercial banking segment, including loan products, cash management solutions, and trade finance services.
- Identification and forging of strategic partnerships with other financial institutions, technology providers, or industry experts to expand product offerings and reach new client segments.
- Management of key stakeholder relationships within target companies to understand their needs and recommend appropriate solutions.
- Development and implementation of sales strategies including the establishment of sales targets, identification of sales channels to reach potential clients and objectives for loan terms to support the negotiation process and development of service agreements.
- Monitoring of key leading and lagging metrics such as new client acquisition, loan volume, revenue generation, and market share to assess the performance of the commercial banking segment. Funnel and journey optimisation are key to delivery of service and commercial performance.
Analyst Expectations
- To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.
- Requires in-depth technical knowledge and experience in their assigned area of expertise
- Thorough understanding of the underlying principles and concepts within the area of expertise
- They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating 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 develop technical expertise in work area, acting as an advisor where appropriate.
- Will have an impact on the work of related teams within the area.
- Partner with other functions and business areas.
- Takes responsibility for end results of a team’s operational processing and activities.
- Escalate breaches of policies / procedure appropriately.
- Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
- Advise and influence decision making within own area of expertise.
- 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 own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
- Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
- Make evaluative judgements based on the analysis of factual information, paying attention to detail.
- Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
- Guide and persuade team members and communicate complex / sensitive information.
- Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.
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.
Join us as a 1st Line Credit Risk Manager - Credit Cards at Barclays where you will help shape the future of banking by managing all first‑line credit risk activities across cards, loans, and overdrafts, including conducting gap assessments, ensuring adherence to group risk policies and standards, and overseeing exception reporting and the effective management of resulting actions. It involves close collaboration with subject matter experts to ensure breaches are quickly remediated and supported by robust plans, as well as maintaining and governing all business‑level documentation related to credit risk strategies. Additionally, the role oversees the operation, governance, and effectiveness of controls across the credit risk framework.
To be successful as a 1st Line Credit Risk Manager - Credit Cards, you should have:
- Good controls and governance experience.
- Knowledge of credit risk.
- Demonstrable presentation skills.
- Good stakeholder management experience up to director level.
- Considerable organisational skills.
Some other highly valued skills may include:
- Good project management experience
- Experience working within unsecured lending.
You may be assessed on the 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 can be based in London, Northampton, Manchester, or Glasgow.
