Date live: 06/17/2026

Business Area: Risk

Area of Expertise: Risk and Quantitative Analytics

Contract: Permanent

Reference Code: JR-(phone hidden)

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. : Essential Skills/Basic Qualifications:

- Graduate, Post-Graduate or Professional qualification, preferably in Finance.

- Solid 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.

Purpose of the role

Accountabilities

- Monitoring the performance of approved lending, identifying potential risks and early warning signs of delinquency.
- 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

📌 Gift City Credit Risk Avp (Mumbai)
🏢 Barclays
📍 Mumbai