Job Description

Purpose of the role

To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio.

Accountabilities

• Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions.
• Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio.
• Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses.
• Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile.
• Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters.

Analyst Expectations

• To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.
• Requires in-depth technical knowledge and experience in their assigned area of expertise
• Thorough understanding of the underlying principles and concepts within the area of expertise
• They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
• 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 develop technical expertise in work area, acting as an advisor where appropriate.
• Will have an impact on the work of related teams within the area.
• Partner with other functions and business areas.
• Takes responsibility for end results of a team’s operational processing and activities.
• Escalate breaches of policies / procedure appropriately.
• Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
• Advise and influence decision making within own area of expertise.
• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
• Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
• Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Make evaluative judgements based on the analysis of factual information, paying attention to detail.
• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
• Guide and persuade team members and communicate complex / sensitive information.
• Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.

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.

Join us as a Risk Manager Unsecred Credit Risk at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionise our digital offerings, ensuring unapparelled customer experiences.

Join the Credit team within Unsecured Risk, working on one of the UK’s largest credit card portfolios (~8mn customers, c.£50bn exposure). As part of the Cards Credit Risk team, you’ll drive end‑to‑end model governance—ensuring models and data are robust, compliant, and audit‑ready—while supporting key regulatory deliverables (ICAAP, PRA, Basel 3.1) along with portfolio analytics to drive data‑driven credit risk insights through monitoring, performance tracking, scenario analysis, and stakeholder reporting to inform strategic decision‑making.

The role offers a unique opportunity to leverage AI and advanced analytics, manage emerging risks, and shape decisions in a rapidly evolving economic environment, working closely with stakeholders across Risk, Finance, QA, and Model Validation.

We are seeking a highly capable professional with strong Credit and Model Risk domain knowledge and a proven ability to translate complex data and analysis into clear, compelling narratives for senior management The role will play a critical part in supporting decision‑making by preparing high‑quality papers, presentations, and insight packs that combine analytical depth with clear strategic messaging.

Within the team, you’ll work on live problems — analysing new card lending, established customer portfolios, the Amazon partnership impact and evolving trends in profitability, losses and customer behaviour.

To be successful as a Risk Manager Unsecured Credit Risk , you should have experience with:

• Strong Credit Risk and Model Risk Management expertise, ideally within consumer or unsecured lending portfolios
• Proven experience in preparing papers, decks, and briefing materials for senior management and governance forums
• Ability to create clear, impactful stories using data, focusing on insights rather than outputs
• Strong analytical skills with experience interpreting performance metrics, trends, and risk drivers
• Excellent written and verbal communication skills; able to explain complex concepts simply and confidently
• High attention to detail, judgement, and comfort working in a regulated environment
• Data management/analysis skills, with experience in usage of widely known commercially and open-source available data processing software ( SAS, SQL, Python etc.).
• Preferred candidate to have background in writing Policy/SOP Documents, any external publications would be valuable

What Success Looks Like

The role suits people who are naturally curious and enjoy solving problems where there isn’t an obvious answer. You’ll be encouraged to ask why trends are changing, test hypotheses, and clearly explain what the data is telling you and what it means for real-world decisions supporting UK Cards

• Senior stakeholders receive clear, well‑structured narratives that enable confident decision‑making
• Data is translated into insightful, outcome‑focused recommendations, not just analysis
• Credit Risk considerations are clearly articulated, balanced, and aligned to business strategy

Basic/ Essential Qualifications:

• Excellent verbal & written communication skills
• A degree in analytical/business related discipline
• Post-graduate degree in analytical/business related discipline preferred

Desirable skillsets/ good to have:

• Knowledge of Credit risk management in retail lending
• Knowledge of Capital regulatory standards (CRDIV)
• Knowledge of BASEL 3.1 requirements
• Forecasting, portfolio risk management, risk modelling technique knowledge
• Knowledge of financial services industry and market

You may be assessed on the key critical skills relevant for success in role, such as experience with Credit Risk, Model Risk Management, Capital Models and Portfolio Analytics, as well as job-specific skillsets.

This role will be based out of Noida.