Job Description

Purpose of the role

To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirement and analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices.

Accountabilities

• Analysis of lending  applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity. 
• Monitoring the performance of approved lending , identifying potential risks and early warning signs of delinquency. 
• Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions. 
• Provision of independent credit decisions on lending  applications, adhering to established credit policies, risk parameters, and regulatory requirements. 
• Development and implementation of appropriate course of action for troubled lending , including workout plans, restructuring, or collections. 

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 a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes
• 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 will 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.

Join us as Gift City Credit Risk AVP , where you will be a key member of the Credit Risk Sanctioning team responsible for managing and overseeing credit risk across Barclays' Corporate and Investment Banking portfolio in India. In this role, you will provide independent oversight as the Second Line of Defence under the Enterprise Risk Management Framework (ERMF), ensuring sound credit judgement while supporting sustainable business growth. You will evaluate, sanction, monitor and manage credit exposures across Corporate, Financial Institution, PSU and Sovereign counterparties, while maintaining compliance with internal policies, regulatory requirements and the Bank's risk appetite.

Your responsibilities will include:

• Conducting comprehensive credit due diligence and financial analysis for corporate and investment banking clients and transactions.
• Preparing high-quality credit papers covering financial performance, cash flow analysis, liquidity, leverage, management quality, industry outlook, macroeconomic environment, transaction structure, legal risks and proposed mitigants.
• Assessing existing and proposed exposures, collateral, risk drivers and limit structures, and recommending appropriate credit terms and conditions.
• Managing transactions through the complete credit approval lifecycle by working closely with Coverage, Product, Legal and other stakeholders.
• Monitoring portfolio performance, counterparty developments and emerging sector risks, escalating concerns and recommending timely corrective actions.
• Supporting portfolio risk management through exposure monitoring, limit utilisation reviews and portfolio reporting.
• Negotiating appropriate credit protections within loan documentation, ISDA, CSA, GMRA and other facility agreements.
• Ensuring accuracy of credit systems, internal ratings, limits and regulatory compliance while maintaining a strong control environment.
• Supporting senior credit officers with portfolio reviews, risk assessments and strategic credit decisions.

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Essential Skills/Basic Qualifications:

• Graduate, Post-Graduate or Professional qualification, preferably in Finance.
• Strong financial analysis skills with the ability to interpret financial statements, cash flows, balance sheets and profitability.
• Experience analysing Corporate and Investment Banking transactions across multiple products.
• Good understanding of the Indian corporate landscape, macroeconomic environment, accounting standards, corporate governance and regulatory framework.
• Working knowledge of RBI regulations applicable to corporate and institutional banking.
• Excellent written and verbal communication, presentation and stakeholder management skills.
• Strong negotiation, interpersonal and influencing capabilities.
• Ability to manage multiple priorities, work under pressure and deliver high-quality outputs within tight timelines.
• Strong analytical thinking, problem-solving ability and attention to detail.

Desirable Skills/Preferred Qualifications:

• Relevant experience in Credit Risk Management within a leading financial institution covering Indian Corporate and Financial Institution counterparties.
• Strong understanding of credit risk assessment methodologies and financial modelling.
• Working knowledge of loan documentation including APLMA, Bond documentation, ISDA and GMRA agreements.
• Familiarity with collateral structures, covenant packages and legal risk mitigants.
• Proficiency in Microsoft Excel, Word and PowerPoint.

You may be assessed on the key critical skills relevant for success in the role, such as:

• Credit Risk Analysis and Financial Statement Interpretation
• Corporate & Investment Banking Product Knowledge
• Risk Identification and Mitigation
• Credit Sanctioning and Risk Appetite Management
• Portfolio Monitoring and Exposure Management
• Stakeholder Management and Influencing Skills
• Commercial Judgment and Decision Making
• Written and Verbal Communication
• Negotiation and Problem Solving
• Enterprise Risk Management Framework (ERMF) Awareness
• Regulatory Knowledge including RBI Guidelines
• Control, Governance and Risk Management
   

Job location is Mumbai.