Skip to main content

Important notice: Protect yourself from recruitment scams. Learn more.

?
Helpdesk
Click here to connect with our resourcing helpdesk team

Gift City Credit Risk AVP

Mumbai, India

Apply for job

Date live: 06/17/2026

Business Area: Risk

Area of Expertise: Risk and Quantitative Analytics

Contract: Permanent

Reference Code: JR-0000115387

hero image
Apply for job

Barclays Risk

In Risk Barclays develops, recommends, and implements controls and cost-effective approaches to minimise Barclay's risks, identifies and analyses potential sources of loss to minimise risk and estimate the potential financial consequences of an occurring loss.

See your commute

Explore location

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.
  • 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.

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.

Barclays welcomes applications from all candidates and is committed to ensuring reasonable adjustments (accommodations) are put in place to allow for a fair and inclusive recruitment process. For more information and how to request one, please review Adjustments to the recruitment process.

We’re a global, vital and highly respected financial organisation with an inspiring Purpose. Operating in 39 countries and employing around 100,000 people across the world, we help communities, individuals and businesses thrive. And we’ve created financial solutions and technology that the world now takes for granted. A career with us can offer incredible variety, depth and breadth of experience, and the chance to learn from some of the best minds in technology and finance.

To find out more about Barclays' strategy please click here.

We are an equal opportunity employer and opposed to discrimination on any grounds. It is the policy of Barclays to ensure equal employment opportunity without discrimination or harassment on the basis of race, colour, 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.

Barclays is required by law to confirm that you have the Legal Right to Work in any role that you apply for. If you currently hold a work visa sponsored by Barclays, or you would require sponsorship from Barclays, you must declare this as part of your application. Sponsored visas are role and entity specific and any changes must be reviewed. It is important that you ensure you are working on the correct visa at all times. Failure to accurately disclose your visa status or Legal Right to Work may result in your application or any employment offer being withdrawn at any time.

Learn more about Barclays locations

Across our campuses, we offer modern workspaces, collaborative areas, and state-of-the-art meeting rooms. Facilities include wellness rooms, on-site cafeterias, fitness centers, and tech-equipped workstations. Designed for innovation and comfort, they support a dynamic and productive work environment.

Gain access to wellness rooms, gyms and mental health support.

Our welcoming and inclusive culture supports you to bring your whole self to work, explore your potential and pursue your passions.

Modern spaces designed for teamwork and brainstorming.

There’s so much more than work to involve and engage you on campus. From socialising to sports, from community events to volunteering.

Learn more about Barclays locations

Across our campuses, we offer modern workspaces, collaborative areas, and state-of-the-art meeting rooms. Facilities include wellness rooms, on-site cafeterias, fitness centers, and tech-equipped workstations. Designed for innovation and comfort, they support a dynamic and productive work environment.

Health and wellness

Gain access to wellness rooms, gyms and mental health support.

A place where you can belong

Our welcoming and inclusive culture supports you to bring your whole self to work, explore your potential and pursue your passions.

Collaborative Areas

Modern spaces designed for teamwork and brainstorming.

More than work

There’s so much more than work to involve and engage you on campus. From socialising to sports, from community events to volunteering.

Multicultural ERGs at Barclays

Be you. Be valued. Belong.

We celebrate the unique perspectives and experiences each individual brings, believing our differences make us stronger and drive success.

You can learn more about our commitment to our colleague on our Inclusion and Opportunities page.

Learn more

Application Process

Your application

We’ll ask for information about you, your CV and cover letter.

1

Your assessment

Covering your behaviours and ability at work.

2

Your interview

Exploring your past experiences and skills.

3

Next step

We’ll request additional information so that you can complete our screening process

4
How to ApplyRead our FAQ's
Barclays

Working flexibly

We’re committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognises and supports your personal needs, alongside the professional needs of our business. If you'd like to explore flexible working arrangements, please discuss this with the hiring manager. Your request will be reviewed in-line with the requirements of the role/business needs of the team.

Hybrid working

We have a structured approach to hybrid working, where colleagues work at an onsite location on fixed, ‘anchor’, days, as set by the business area. Please discuss the working pattern requirements for the role you are applying for with the hiring manager. Please note that working arrangements may be subject to change on reasonable notice to ensure we meet the needs of our business.

Barclays is built on an international scale.

Our geographic reach, our wide variety of functions, businesses, roles and locations reflect the rich diversity of our worldwide customer base. All of which means we offer incredible variety, depth and breadth of experience.
And the chance to learn from a globally diverse mix of colleagues, including some of the very best minds in banking, finance, technology and business. Throughout, we’ll encourage you to embrace mobility, exploring every part of our operations as you build your career.

Find more information

Related content

Related Jobs


Credit Risk Analyst

Mumbai (India)

16 Jun
QA-Market Risk

Mumbai (India)

05 Jun
AVP Quantitative Analytics CCR Modeler

Mumbai (India)

05 Jun
Quantitative Analytics

Mumbai (India)

05 Jun
BA4 Credit Risk Financial Analyst

Mumbai (India)

05 Jun
Quantitative Analyst AVP - Treasury

Mumbai (India)

05 Mar