Vice President, Retail Credit Strategy

Wilmington, DE

As a Barclays, Vice President, Retail Credit Strategy, you will be responsible for driving the development of risk management strategies to support retail card portfolios. You will have opportunity to guide a team of up to two risk analysts to manage account origination strategies and policies that drive sustainable business growth within Risk Appetite. You will be responsible for interaction with stakeholders across the organization including Marketing, Segment, 2LOD, Finance, Technology, etc. to ensure timely completion of initiatives.

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?

• Directing/ conducting analytical exercises to improve existing business strategies including new account underwriting, credit line assignment and pricing strategies
• Driving the development of product and channel specific acquisition strategies to optimize profitability of the BCUS portfolio
• Innovating through enhanced underwriting and credit line strategies using alternative data sources and scores
• Being responsible for synthesizing complex analytical/business issues and communicate clearly and concisely with various stakeholders
• Enhancing Judgmental Lending strategies to increase operational efficiency and the profitability of Judgmental Review
• Supporting the implementation of acquisition strategy changes in the decision engine and setting up a robust validation process to ensure minimal gaps in the execution of changes
• Driving growth and profit by wisely investing credit risk taking and position the business to endure credit stress through economic challenges
• Being responsible for setting up a robust monitoring process to assess acquisition risk performance and communicate trends to various stakeholders
  
  
  

What We’re Looking For

• Bachelor’s degree is required, preferably in a quantitative discipline
• Extensive years of experience in an Analytical role
• Experience with SAS/SQL or other relevant statistical tools; proficiency with analytical software e.g. SAS, SQL, Unix platforms, Knowledge Seeker, and MS Office is required
• Solid communication skills & ability to work independently; attention to detail; ability to thrive in a dynamic and fast paced environment
  
  
  

Required

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

• Masters or PhD in a quantitative discipline is preferred, but not required; credit card experience, preferably in acquisitions
• Solid analytical, technical and statistical skills with proven ability to process vast amounts of data into meaningful information
• Extensive years of experience in Credit Strategy Development and some years of management experience
• Experience with SQL server , Hadoop & Oracle data sources and other big data tools
  
  
  

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.