Harpreet Gill
Slough
Summary
Impairment Analyst with strong experience delivering end to end IFRS 9 Expected Credit Loss (ECL) analysis for large consumer credit portfolios within a Tier 1 banking environment. Proven track record of owning impairment processes from model execution through to internal and external disclosures, providing forward looking insight, stress testing and macroeconomic scenario analysis to inform senior management and Board level decision making. Highly skilled in translating complex model outputs (PD, LGD, EAD) into clear commercial narratives, partnering closely with Risk, Finance, Modelling and Audit to ensure robust governance, regulatory compliance and consistently strong control outcomes. Advanced user of Python, SAS, SQL and BI tools, with a strong focus on automation, data quality and continuous improvement.
Overview
8
8
years of professional experience
4
4
years of post-secondary education
Work history
Senior Impairment Analyst
Barclays
London
10.2021 - Current
- End-to-end owner of the IFRS 9 Expected Credit Loss (ECL) process for the Barclaycard portfolio, from model execution through to internal and external disclosures, reporting directly to the Impairment Directors.
- Single point of accountability for provisioning recommendations, delivering strategic insight, forward looking analysis and data visualisations to inform senior management and Board level decision making.
- Calculated and explained monthly impairment costs for the Barclaycard portfolio, the second largest impairment exposure after US Cards, covering a £12bn balance sheet and £200m YTD impairment charge.
- Led macroeconomic scenario analysis, stress testing and impact assessments, supporting MTP and outlook planning and assessing short term strategy changes under different economic conditions.
- Championed AI enabled and advanced analytics to enhance MI reporting, forecasting accuracy and scenario modelling, strengthening impairment decision making and management insight.
- Supported the implementation of a robust model governance and validation framework, partnering with internal stakeholders and external vendors to improve data quality, methodology and model performance.
- Portfolio Subject Matter Expert (SME) for impairment related change, assessing and mitigating impacts across data, models, reporting and external disclosures.
- Provided expert regulatory guidance across IFRS 9 and BCBS239, supporting new product launches, portfolio growth strategies and proactive risk mitigation.
- Led engagement with internal and external auditors, maintaining a strong SOX compliant control environment and delivering consistently clean audit outcomes.
- Automated data quality reporting using Tableau, reducing manual effort and improving transparency, control and governance over critical impairment inputs.
- Standardised data transformation and processing using Python, SAS and SQL, improving efficiency, repeatability and control across the impairment lifecycle.
- Translated complex IFRS 9 model outputs into clear, data led commercial narratives, using Python, SAS and SQL to explain movements and drivers to senior stakeholders across the Bank.
Lead Credit Risk Analyst
Barclays
London
02.2018 - 10.2022
- Managed impairment relevant performance of the unsecured loans portfolio, delivering affordability analysis and exception reporting controls using SAS and SQL to identify emerging credit risk and potential ECL impacts.
- Developed portfolio monitoring and impairment MI, analysing population stability and credit quality using metrics such as Gini, PSI and bad rate trends to inform model performance and provisioning judgement.
- Supported impairment assessment for new lending strategies and market entry, conducting deep dive population analysis (PD and Delphi scorecard segmentation) to evaluate risk profile changes and implications for future impairment outcomes.
- Delivered affordability and income validation analysis, ensuring robustness of credit inputs used in impairment modelling and establishing early stage controls to mitigate misstatement risk.
- Produced strategy and technical documentation supporting impairment processes, clearly explaining model behaviour, data assumptions and risk drivers to senior stakeholders and non-technical audiences.
- Provided responsive ad hoc impairment analysis and cross-functional support, partnering with Credit Risk, Modelling and Finance teams to assess portfolio movements, anomalies and emerging risks.
Credit Risk Analyst
Santander
Milton Keynes
08.2017 - 02.2018
- Continuous analysis of the credit portfolio and simulations to anticipate changes.
- Reporting and converting raw data into meaningful risk dashboards.
- Designing and proposing new risk strategies and KPIs to support business growth within risk appetite.
- Optimizing risk policies to increase automatic decisions and reduce manual processing.
- Defining, implementing, and maintaining decision strategies within the decision engine.
- Participating in the design of decision processes, including IT requests, data analysis, and statistical modelling.
Education
Bachelor of Science - Financial Mathematics
Brunel University London
Uxbridge 09.2013 - 07.2017
Skills
- Programming & Analytics: Python, SAS, SQL
- Business Intelligence: Tableau, QlikView
- Microsoft Office: Advanced Excel, PowerPoint, Word
- Finance & Decision Support: Financial Business Partnering, MI, Senior Stakeholder Support
- Credit Risk & Impairment: IFRS 9 - PD, LGD, EAD, ECL Concepts, Portfolio Monitoring
- Risk & Governance: Risk Management, Model Governance, Regulatory Compliance
- Languages: English (Fluent), Punjabi (Conversational), Hindi (Conversational)
Timeline
Senior Impairment Analyst
Barclays
10.2021 - Current
Lead Credit Risk Analyst
Barclays
02.2018 - 10.2022
Credit Risk Analyst
Santander
08.2017 - 02.2018
Bachelor of Science - Financial Mathematics
Brunel University London
09.2013 - 07.2017