Job description


  • Entry level
  • No Education
  • Salary to negotiate


Director ECM Credit Strategy - 90229734
Primary Location:US-Delaware-Wilmington
Job Type:Permanent/Regular
Posting Range:27 Mar 2019 - Ongoing
Job Title: Existing Customer Management Credit Strategy    
Location: Wilmington, DE
About Us
Barclays is a transatlantic consumer, corporate and investment bank offering products and services across personal, corporate and investment banking, credit cards and wealth management, with a strong presence in our two home markets of the UK and the US. Our goal is to become the bank of choice by providing superior services to customers and clients and supporting our stakeholders via a commercially successful business that generates long-term sustainable returns.
About Barclays US Consumer Bank (BCUSB)
Barclays US Consumer Bank is one of the fastest-growing top 10 credit card issuers and online banks in the United States. The bank creates customized, co-branded credit card programs for some of the country's most successful travel, entertainment, retail and affinity institutions, and offers its own branded credit cards, online savings accounts and CDs, and personal loans. For more information, please visit
About Business Credit
Business Credit is a new area within Business Credit and Data Strategy that focuses on first line risk accountabilities which includes managing credit policy/strategy for US Consumer Bank acquisitions and customer management, portfolio risk analytics and tracking to internal forecasting, as well as analytics to drive and support expansionary initiatives to facilitate opportunities for profitable growth within risk appetite.
It is the policy of Barclays to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, creed, religion, national origin, alienage or citizenship status, age, sex, sexual orientation, gender identity or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information, or any other basis protected by law.
Dynamic working gives everyone at Barclays the opportunity to integrate professional and personal lives, if you have a need for flexibility then please discuss this with the hiring manager.

Overall purpose of role
This role has responsibility to lead the development, management and optimization of risk/reward opportunities in US Consumer Bank Existing Customer Management with focus on growth initiatives through data and analytics. As a Director-level member of the Business Credit as well as Barclaycard US Senior Leadership team, the role owner will drive world-class credit & analytics strategy as it relates to credit related strategies with existing customers across the credit card, loans and deposits business, including credit line increases, credit line decreases, authorizations and inactive management strategies.  This entails building and managing a foundation of credit and analytical tools and methods, and using those solutions to optimize acquisition credit policies and provide valuable insights that guide customer acquisition across all aspects of the business.  The role owner will effectively lead a team of ~10-15 highly-skilled professionals to execute upon this strategy.  The role will be underpinned by a culture of both local and global collaboration, innovation, and high performance.
In addition to the above, the individual will be expected to help drive business solutions across the following areas across our Digital Consumer Bank and Partnership Business:
Credit Strategy: Responsible for development of balanced underwriting credit strategies and ensuring customers have appropriate credit lines for their risk level throughout the account life cycle
Valuations: Lead the development of valuations to support customer management decisions.  This includes forecasting of test, control and tes minus contol performance.  This also includes management of approporiate testing and control strategies to ensure broad coverage and optimization of treatments.  All models and assumptions must be maintained consistent with model governance policy
Risk Teams: Build a working model with the 2nd the line Risk teams that demonstrates 1st line’s ability to manage the business within risk appetite and other decision constraints
Check and Challenge: Partnering across the business unit, Finance, Risk and Model Governance teams to ensure that all decisions are financially viable and sustainable,

About the company

Barclays moves, lends, invests and protects money for 48 million customers and clients worldwide.

We have over 325 years of history and expertise in banking. From our beginnings in Lombard Street, London through to the launch of the world’s first ATM and innovative mobile phone payments services, find out more about our achievements to date.

Barclays is a trading name of Barclays Bank PLC and its subsidiaries. Barclays Bank PLC is registered in England and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England. Registered No. 1026167. Registered office: 1 Churchill Place, London E14 5HP.

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