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Credit Risk Manager - Mortgages

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barclays

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Location:
United Kingdom , Manchester ▼

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Category:
Finance

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Contract Type:
Not provided

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Salary:

Not provided
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Job Description:

Join us at Barclays as a Credit Risk Manager – Mortgages, where you’ll support and help to shape the Risk team’s vision and objectives.

Job Responsibility:

  • Support and help to shape the Risk team’s vision and objectives
  • Manage the day to day activities under the team’s responsibility and provide coaching and training to more junior members of the team
  • Identify and recommend changes to risk appetite, setting the annual mandate and scale limits and supporting/proposing changes to credit strategies to Senior Management and Decision Committees
  • Perform credit oversight of risk for the existing portfolio using key metrics including impairment, capital and portfolio quality measures
  • Manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio
  • 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

Requirements:

  • Risk manager with portfolio risk management experience and preferably in retail secured credit
  • Ability to demonstrate experience managing end to end portfolio management activities
  • Ability to direct a technical team to perform data driven analysis and have the ability to interpret and articulate results to solve problems and identify opportunities
  • Ability to direct a team to perform analysis on SAS/SQL/ Excel and other programming languages – essential experience in coding
  • Senior stakeholder management skills and the ability to communicate effectively to both technical and non-technical audiences
  • Strong analytical and creativity skills

Nice to have:

  • Well-developed personal organisation and commercial acumen, with the ability to deliver accurate results within tight deadlines, influencing stakeholders and colleagues to do so
  • Possess a keen interest in the macroeconomic health of the UK economy and an understanding of how to leverage this understanding to better manage a credit risk portfolio
  • Passion for data driven and conceptual analysis and how this contributes in a commercial context. Understanding of data issues to prepare and validate analysis
  • Knowledge of securitisation process welcomed
  • Understanding of both standardised and advanced capital treatment for secured lending
What 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
  • Hybrid working
  • Flexible working arrangements

Additional Information:

Job Posted:
December 23, 2025

Employment Type:
Fulltime
Work Type:
Hybrid work
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