Loans Product and Proposition Manager

Join us as a Loans Product and Proposition Manager to ensure appropriate controls are designed, implemented and maintained throughout the product lifecycle, including product changes and new product delivery. The role will partner closely with Product, Compliance, Risk and business teams to identify, assess and mitigate credit, model and operational risks. You will support product governance forums, conduct product change risk assessments, monitor customer outcomes, and provide insight-led decision support through data analysis, control monitoring, exception management and root cause investigation. Success in this role will require balancing good risk management and lending product regulatory oversight with a customer-centric approach that supports sustainable growth, commercial objectives and positive customer outcomes.

To be successful as a Loans Product and Proposition Manager you should have the following essential skills:

• Proven experience within banking or financial services, with a good understanding of the regulatory environment and risk management frameworks.
• Sound knowledge of retail banking products, particularly loans and payments, and the associated customer and operational risks.
• Experience working within risk, controls or governance functions, with exposure to credit risk, operational risk and compliance risk.
• Considerable understanding of key regulatory requirements, including FCA regulations, Consumer Duty and PRA expectations, and their application within a lending environment.
• Good analytical and problem-solving skills, with the ability to translate complex information into clear recommendations for decision-making.

Some other highly valued skills may include:

• Understanding of regulatory requirements and industry standards, with the ability to assess their impact on lending products and ensure ongoing compliance through effective controls and governance.
• Proven ability to build good relationships and work collaboratively across Product, Risk, Compliance and business teams to achieve shared objectives and drive positive customer and commercial outcomes.
• Excellent planning and organisational skills, with the ability to manage competing priorities, identify and mitigate risks, and deliver effective control and governance activities in a dynamic environment.

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.

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This role can be located in Edinburgh and Glasgow.

Purpose of the role

To assess the integrity and effectiveness of the banks internal control framework to support the mitigation of risk and protection of the banks operational, financial, and reputational risk.  

Accountabilities

• Knowledge of business areas, products, processes and platforms to be able to assess risk
• Collaboration with various stakeholders across the bank and business units to improve overall control effectiveness through detailed documentation of control assessments, procedures, and findings.
• Identification and investigation of potential weaknesses and issues within internal controls to promote continuous improvement and risk mitigation aligned to the bank’s control framework, prioritised by its severity to disrupt bank operations.
• Development of reports to communicate key findings from risk assessment including control weaknesses and recommendations to control owners, senior management, and other stakeholders.
• Execution of reviews to determine the effectiveness of the bank's internal controls framework aligned to established and evolving policies, regulation, and best practice.
• Implementation of adherence to the Barclays Controls Framework and set appropriate methodology of assessing controls against the Controls Framework.

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.