Barclays
Finance
RiskManagerUnsecuredCreditRisk
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“Risk Manager Unsecured Credit Risk at Barclays. Skills: Credit Risk, Model Risk Management, Portfolio Analytics. manage and optimise the bank's overall credit risk exposure. monitoring, analysing, and reporting on the creditworthiness of its lending portfolio”
What You'll Achieve.
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
Industry & Context.
Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents; naturally curious and enjoy solving problems where there isn’t an obvious answer; ask why trends are changing; test hypotheses; clearly explain what the data is telling you and what it means for real-world decisions
What They're Looking For.
Must Have
Excellent verbal & written communication skills, A degree in analytical business related discipline
Nice to Have
Post-graduate degree in analytical business related discipline, background in writing Policy/SOP Documents, any external publications
What You'll Do.
manage and optimise the bank's overall credit risk exposure
and reporting on the creditworthiness of its lending portfolio
Monitoring the financial performance and risk profile of the entire lending portfolio
Analysis of credit trends
identify early warning signs of potential borrowers' issues
assess the impact of economic and market developments on the portfolio
Development and utilisation of quantitative models and risk forecasting tools
Performance of portfolio stress testing exercises
Definition and setting of portfolio
segment and customer risk appetite
Overseeing first line execution within these parameters
drive end‑to‑end model governance
supporting key regulatory deliverables (ICAAP
portfolio analytics to drive data‑driven credit risk insights
and stakeholder reporting
managing emerging risks
shape decisions in a rapidly evolving economic environment
preparing high‑quality papers
analysing new card lending
analysing established customer portfolios
analysing the Amazon partnership impact
analysing evolving trends in profitability
losses and customer behaviour
How You'll Work.
Team & Collaboration
Partner with other functions and business areas; work closely with stakeholders across Risk, Finance, QA, and Model Validation; Guide and persuade team members; Act as contact point for stakeholders outside of the immediate function; building a network of contacts outside team and external to the organisation
Communication Scope
Excellent written and verbal communication skills; able to explain complex concepts simply and confidently; Guide and persuade team members; communicate complex / sensitive information
Full Job Description
# **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 a
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