Declan Stark

Broadgate are searching for a Head of Credit Risk to join an established London based bank.   A specialist financial services organisation is seeking an experienced senior credit risk professional to lead its policy, governance and assurance agenda. This role sits at the heart of second line risk, shaping how credit risk is defined, monitored and challenged across a diverse lending portfolio. You’ll be responsible for setting clear frameworks, providing independent oversight, and ensuring decision-making is robust, well-governed and forward-looking. Working closely with senior executives and credit committees, you’ll bring insight on emerging risks, regulatory expectations and portfolio trends, while fostering strong relationships with front-line lending teams. You’ll also lead and develop a small specialist team, helping to embed a strong risk culture across the business.The chosen candidate would ideally be a Tech & Data enablement led practitioner - driving technology uplift change across Credit functions. They run a 50% in the office arrangement.About you:Extensive experience in senior credit risk roles within banking or specialist lending (BTL, Real Estate Investment, Development Finance, Bridging)Strong background in credit policy, frameworks, assurance or governanceConfident operating in regulated environments with evolving prudential expectationsAble to balance challenge with collaboration at executive levelStrategic thinker with hands-on credibility and sound judgementThis is a high-impact leadership role offering the opportunity to shape credit risk standards within a growing, specialist institution.

We’re recruiting a Head of Corporate Underwriting to lead UK corporate credit underwriting within a well-established financial services organisation operating in the corporate, asset and structured lending space. This is a senior leadership role for an experienced underwriting professional who can manage and develop an underwriting team, hold delegated lending authority, and provide strong credit oversight across dealer, fleet and corporate portfolios. You’ll play a critical role in maintaining portfolio quality, strengthening risk frameworks, and supporting sustainable business growth.The chosen candidate will have end-to-end responsibility for corporate credit underwriting operations across the UK. You’ll balance commercial awareness with robust risk management, ensuring regulatory compliance while enabling the business to grow responsibly. You’ll be a confident credit decision-maker with the gravitas to challenge, influence and lead at senior level, including presenting complex or high-value exposures to global credit committees. Key responsibilitiesLead UK corporate credit underwriting operations across dealer, fleet and corporate portfolios, ensuring performance targets and KPIs are achievedExercise delegated lending authority and make sound, commercially-balanced credit decisionsReview and present significant or complex credit exposures to senior and global credit committeesOversee risk assessments for new products and structures in line with internal risk frameworksIdentify early warning indicators and proactively manage underperforming or high-risk creditsEnsure adherence to internal credit policies and external regulatory requirementsDrive continuous improvement in underwriting processes, governance and decision-making frameworksBuild strong working relationships with senior stakeholders across Risk, Commercial and OperationsLead, mentor and develop an experienced team of corporate credit underwriters and analystsCandidate profile This role will suit someone currently leading or ready to lead a corporate underwriting function, ideally from a captive finance, asset finance, automotive, fleet, wholesale or similar lending environment. You’ll bring:Extensive experience in corporate and/or asset-based credit underwritingProven capability in managing and developing underwriting teamsDemonstrable experience operating with delegated lending authorityStrong understanding of large corporate credit portfolios and complex lending structuresA balanced approach to risk, combining commercial judgement with strong governanceExcellent stakeholder management and communication skills at senior levelConfidence operating in regulated environments with robust compliance expectationsProfessional qualifications in economics, finance or a related discipline (desirable)Why join?A high-impact leadership role with genuine influence over credit strategyOpportunity to shape underwriting standards and portfolio quality at scaleCollaborative, inclusive culture with a strong focus on development and continuous improvementExposure to senior stakeholders and global credit governanceClear scope for long-term career progression

Credit Risk Manager Location: West Midlands (hybrid working) An established, values-driven financial services organisation is now looking for an experienced Credit Risk Manager to play a key role in supporting lending objectives and managing credit risk exposure through high-quality insight & analytics. As the Credit Risk Manager, you’ll be joining as a specialist analytics SME and provide expert insight to senior stakeholders across the business. Working directly with the CRO,  you’ll be instrumental in shaping credit risk strategy, developing models, and ensuring robust monitoring and reporting in line with regulatory expectations.This is a high visibility, high exposure opportunity with a brand known for their care and development of staff. If youre looking for a place that will give you opportunity to take ownership of your work and a platform for growth, this is it.  Key responsibilities include:Providing subject matter expertise and guidance, including SAS programming support where requiredProducing monthly and quarterly credit risk reporting for the Board, Risk Committee, internal governance forums and external regulators (including PRA/FCA)Analysing internal and external mortgage data to support lending decisions and strategic objectivesDelivering complex ad-hoc credit risk analysis and high-quality report writingContributing to the ongoing development of the organisation’s credit risk management frameworkDeputising for the Head of Credit Risk at senior forums such as Executive Risk Committee and Product Consideration GroupLeading the development of credit risk models to support operational decision-making, including affordability modelsWorking closely with Product teams to set and monitor Product Stress Rates in line with MCOB and FPC guidancePresenting analysis and securing approvals through Credit and Risk CommitteesActing as a senior voice within Credit Risk, collaborating with teams such as Treasury and Product to support wider business objectivesWhat you’ll bringSignificant experience across the Credit Risk lifecycle, ideally within mortgage lendingA strong numerical background, with a degree in a quantitative subject or equivalent experienceProven experience analysing complex datasets and turning insight into actionHands-on experience with data mining or statistical software such as SAS (or equivalent)Advanced Microsoft Excel skillsExcellent written and verbal communication skills, with the ability to tailor messages for different audiencesStrong organisation skills, with the ability to manage competing priorities and tight deadlinesWe value diverse skills and experiences. Even if you don’t meet every requirement, we’d still love to hear from you if you’re passionate about the role. What’s in it for youStrong development opportunities with a commitment to internal progressionTwo paid volunteering days annuallyA generous pension scheme with employer contributions and matching up to 10.6%Private medical insurance, with discounted rates as service grows and the option to include family membersCar scheme options including electric vehiclesAccess to a perks and wellbeing platform with discounts, tools and support available 24/7Flexible working options, wellbeing support and a genuinely people-focused cultureIf you’re looking for a role where your impact will be noticed & valued,  Apply today with your CV attached for an intial discussion

Senior Operational Risk Manager - £85,000-£90,000Location: Milton Keynes / LondonBroadgate Search are proud to be working on a retained basis with our client, a leading UK regulated financial services organisation, to appoint a Senior Operational Risk Manager. This is an excellent opportunity to join a forward-thinking business and play a key role in strengthening operational risk oversight across technology, data, cyber and transformation.The OpportunityAs an Operational Risk Manager, you will work with the Head of Operational Risk in delivering effective oversight, challenge and advice on operational risks. Our client is seeking an Operational Resilience expert that has first hand experience with maturing Data and Technology infrastructure. You’ll work closely with senior stakeholders across Technology, Claims, Operations and HR, helping to shape risk appetite, provide meaningful MI, and deliver assurance activity on the organisation’s key risk exposures.This role offers the chance to work at both enterprise and directorate levels, providing oversight across a wide range of operational risks, while contributing to the development of a strong, pragmatic risk culture that balances innovation and sustainability.Key ResponsibilitiesPartner with senior stakeholders to oversee and challenge technology, cyber, data and transformation risks.Support the development of operational risk appetite, profiles, and reporting to Executive committees.Deliver robust assurance activity including governance forums, stakeholder engagement, and deep dives.Monitor enterprise-wide operational risk exposures against appetite, escalating issues as appropriate.Produce high-quality, data-driven MI and reporting for Executive and Board audiences.Promote a strong risk and control culture that enables innovation and flexibility.About YouWe are looking for someone with:At least 5 years’ experience overseeing operational risk (including cyber, technology, data and transformation).Experience in digital/technology transformations and delivering at pace.Strong skills in producing data-driven risk MI and assurance opinions.Experience writing reports for Executive and Board-level stakeholders.If you would like to have a conversation about this then please forward your cv for consideration

Credit Risk Manager – SME & Asset Finance - Portfolio Lead Must have lending experience at or above £1m Delegated Authority Hybrid - 1 day a week in HQ (west midlands) is required.  A specialist UK bank with a strong track record in SME and asset-backed lending is seeking an SME credit professional to take a pivotal role in underwriting.  This role is designed for someone already operating at or above £1m personal delegation, with deep experience in SME lending and asset finance, who can confidently balance commercial outcomes with disciplined risk judgement. The Role You will act as a senior credit authority across the SME portfolio, reviewing complex, higher-value and non-standard transactions. Working closely with front-line teams, you’ll provide challenge, structure deals where appropriate, and ensure lending remains aligned to risk appetite and capital requirements. This is a hands-on role with real influence in a tight knit team.  Key ResponsibilitiesUnderwrite and approve complex SME and asset finance transactions above local mandate levelsExercise senior personal credit authority (£1m ) and support submissions to Credit / Sanctioning CommitteeReview and challenge deal structures, security packages, cashflow assumptions, and covenant frameworksProvide 2nd line credit oversight to ensure consistency, quality, and adherence to risk appetiteChair regular SME credit review forums with origination teamsContribute to SME credit policy, underwriting standards, and portfolio risk initiativesSupport periodic credit reviews of key counterparties and suppliersAbout You10 years’ SME credit underwriting experience, ideally within asset finance or asset-backed lendingProven track record operating at senior underwriting / £1m delegated authorityStrong understanding of SME financials, cashflow lending, asset-backed structures, and securityComfortable assessing complex ownership structures and corporate entitiesCommercially minded, with the confidence to challenge and influence senior stakeholdersClear, concise credit writer with strong judgement and attention to detailAble to operate autonomously while adding value across the wider businessWhy This RoleHigh-quality SME deal flow with real variety and complexity across other portoflios also (BTL, Motor, Porperty Development)Hybrid working model with genuine flexibility- 1 day a week in the West Midlands, with other office locations for additonal days when required. Strong benefits package including enhanced pension, profit-related pay, and generous leaveA collaborative, relationship-led culture that values experience and sound judgement

Broadgate are representing a strong banking brand in their search for a newly created role - Head of Credit Risk.  A specialist financial services organisation is seeking an experienced senior credit risk professional to lead its policy, governance and assurance agenda. This role sits at the heart of second line risk, shaping how credit risk is defined, monitored and challenged across a diverse lending portfolio. You’ll be responsible for setting clear frameworks, providing independent oversight, and ensuring decision-making is robust, well-governed and forward-looking. Working closely with senior executives and credit committees, you’ll bring insight on emerging risks, regulatory expectations and portfolio trends, while fostering strong relationships with front-line lending teams. You’ll also lead and develop a small specialist team, helping to embed a strong risk culture across the business.About you:Extensive experience in senior credit risk roles within banking or specialist lending (BTL, Real Estate Investment, Development Finance, Bridging)Strong background in credit policy, frameworks, assurance or governanceConfident operating in regulated environments with evolving prudential expectationsAble to balance challenge with collaboration at executive levelStrategic thinker with hands-on credibility and sound judgementThis is a high-impact leadership role offering the opportunity to shape credit risk standards within a growing, specialist institution.

Broadgate are representing a strong banking brand in their search for a newly created role - Head of Credit Risk.  A specialist financial services organisation is seeking an experienced senior credit risk professional to lead its policy, governance and assurance agenda. This role sits at the heart of second line risk, shaping how credit risk is defined, monitored and challenged across a diverse lending portfolio. You’ll be responsible for setting clear frameworks, providing independent oversight, and ensuring decision-making is robust, well-governed and forward-looking. Working closely with senior executives and credit committees, you’ll bring insight on emerging risks, regulatory expectations and portfolio trends, while fostering strong relationships with front-line lending teams. You’ll also lead and develop a small specialist team, helping to embed a strong risk culture across the business.About you:Extensive experience in senior credit risk roles within banking or specialist lending (BTL, Real Estate Investment, Development Finance, Bridging)Strong background in credit policy, frameworks, assurance or governanceConfident operating in regulated environments with evolving prudential expectationsAble to balance challenge with collaboration at executive levelStrategic thinker with hands-on credibility and sound judgementThis is a high-impact leadership role offering the opportunity to shape credit risk standards within a growing, specialist institution.