Credit Risk Manager – SME Banking West Midlands | Hybrid An exciting opportunity to join one of the UK’s most credible purpose-led commercial banks during a major scaling phase.This is a bank large enough to matter, yet agile enough for your work to have genuine influence. The organisation is entering a pivotal stage of evolution across risk, governance, and portfolio complexity as its lending book increases and the banks scales.Unlike many lenders in the market, this bank combines strong commercial performance with a genuine social impact mission. Their lending supports sectors including development finance, healthcare, housing, community infrastructure, ethical banking, and social enterprise — creating a business model rooted in long-term value rather than short-term consumer churn.With a very strong capital position and lending growth significantly up year-on-year, this is a rare opportunity to help shape credit risk strategy within a scaling balance sheet environment. The OpportunityReporting into the Head of Credit Risk, the Credit Risk Manager will play a key role in protecting the bank’s capital position while supporting sustainable commercial growth.You’ll work closely with underwriting, commercial and finance teams to assess and evolve risk appetite, strengthen governance frameworks, enhance lending policies, and identify emerging portfolio risks as the business continues to scale.This role offers significant visibility across the bank and the opportunity to influence risk strategy at a critical growth stage. Key ResponsibilitiesSupport the development of credit risk appetite, frameworks and governance Partner with commercial and underwriting teams to optimise lending decisionsAssess acquisition and customer management strategies across SME lending portfoliosEnhance lending policies, scoring models and credit risk frameworksDeliver portfolio analysis, stress testing and emerging risk insightProduce MI and reporting packs for senior stakeholdersEnsure alignment with FCA, PRA and IFRS9 regulatory requirements What We’re Looking For5 years’ experience within credit risk and/or credit analysis in bankingSME lending experience essentialStrong analytical and data interrogation capabilityAdvanced Excel and financial modelling skillsAbility to translate technical risk analysis into commercial insightPragmatic, commercially minded and intellectually curious approach Why Join?One of the UK’s most differentiated purpose-led lendersCommercial growth with genuine social impactOpportunity to influence risk appetite during a major scaling phaseStrong profitability and capital strengthMore autonomy, exposure and visibility than a large incumbent bankESG genuinely embedded into decision making and culture If you’re looking for a role where you can combine commercial credit expertise with meaningful impact — while helping shape the future of a growing bank, then apply now and we’ll be in touch.
Declan Stark