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Risk Manager Unsecured Credit Risk

Noida, India

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Date live: 05/21/2026

Business Area: Risk

Area of Expertise: Risk and Quantitative Analytics

Contract: Permanent

Reference Code: JR-0000107902

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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.

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Join us as a Risk ManagerUnsecred 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.

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.

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

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