Risk

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.

Senior Manager – Credit Risk Advisory & TransformationLocation: London (Hybrid)Type: PermanentA leading consulting and advisory firm is expanding its Credit Risk Advisory practice and is looking to hire an experienced Manager and Senior Manager to support the continued growth of its banking transformation offering.This is an opportunity to join a high-performing team that works with major banking and financial services clients on large-scale credit risk transformation programmes, operating model redesign, process optimisation and strategic uplift initiatives across the end-to-end credit lifecycle.Importantly, this team is not focused on credit risk modelling or internal audit delivery. Instead, the focus is on advising clients on how to design, improve and transform credit risk functions, frameworks, governance and operating models in response to changing regulation, customer expectations and technology innovation.The Role you will work closely with banking clients to shape and deliver credit risk transformation initiatives across areas including:Credit risk target operating model (TOM) designCredit process optimisation and remediationUnderwriting and lending transformationCredit governance and controls enhancementPortfolio management frameworksCollections and recoveries transformationDigital lending and workflow transformationCredit risk framework and policy upliftThree lines of defence design and effectivenessCredit risk operating model reviews and best practice advisoryThe role combines client delivery, stakeholder engagement, business development and team leadership, offering strong progression opportunities within a growing practice.What We’re Looking ForWe are particularly interested in candidates with strong credit risk change, transformation or advisory experience gained either:within a consulting/advisory environment; orin-house within a bank or financial institution delivering strategic credit risk change programmes.Suitable backgrounds may include:Credit risk transformationCredit operating model designLending process transformationCredit policy and governancePortfolio management change initiativesDigital lending implementationCredit process improvement and optimisationEnterprise-wide risk transformation programmesCandidates should ideally demonstrate experience across several of the following:Retail, commercial or wholesale banking credit riskEnd-to-end lending lifecycle processesOperating model and TOM designBusiness analysis and process mappingStakeholder management across 1st and 2nd line functionsRegulatory-driven transformation initiativesCredit risk framework enhancementLeading project teams and client engagementsIdeal ProfileStrong understanding of credit risk management best practiceExperience delivering complex change programmes within bankingExcellent communication and stakeholder management skillsAbility to operate strategically while remaining hands-onConsulting experience highly desirable, though strong in-house transformation profiles are equally relevantExperience working with senior banking stakeholders and cross-functional teams

Senior Manager – Credit Risk Advisory & TransformationLocation: London (Hybrid)Type: PermanentA leading consulting and advisory firm is expanding its Credit Risk Advisory practice and is looking to hire an experienced Manager and Senior Manager to support the continued growth of its banking transformation offering.This is an opportunity to join a high-performing team that works with major banking and financial services clients on large-scale credit risk transformation programmes, operating model redesign, process optimisation and strategic uplift initiatives across the end-to-end credit lifecycle.Importantly, this team is not focused on credit risk modelling or internal audit delivery. Instead, the focus is on advising clients on how to design, improve and transform credit risk functions, frameworks, governance and operating models in response to changing regulation, customer expectations and technology innovation.The Role you will work closely with banking clients to shape and deliver credit risk transformation initiatives across areas including:Credit risk target operating model (TOM) designCredit process optimisation and remediationUnderwriting and lending transformationCredit governance and controls enhancementPortfolio management frameworksCollections and recoveries transformationDigital lending and workflow transformationCredit risk framework and policy upliftThree lines of defence design and effectivenessCredit risk operating model reviews and best practice advisoryThe role combines client delivery, stakeholder engagement, business development and team leadership, offering strong progression opportunities within a growing practice.What We’re Looking ForWe are particularly interested in candidates with strong credit risk change, transformation or advisory experience gained either:within a consulting/advisory environment; orin-house within a bank or financial institution delivering strategic credit risk change programmes.Suitable backgrounds may include:Credit risk transformationCredit operating model designLending process transformationCredit policy and governancePortfolio management change initiativesDigital lending implementationCredit process improvement and optimisationEnterprise-wide risk transformation programmesCandidates should ideally demonstrate experience across several of the following:Retail, commercial or wholesale banking credit riskEnd-to-end lending lifecycle processesOperating model and TOM designBusiness analysis and process mappingStakeholder management across 1st and 2nd line functionsRegulatory-driven transformation initiativesCredit risk framework enhancementLeading project teams and client engagementsIdeal ProfileStrong understanding of credit risk management best practiceExperience delivering complex change programmes within bankingExcellent communication and stakeholder management skillsAbility to operate strategically while remaining hands-onConsulting experience highly desirable, though strong in-house transformation profiles are equally relevantExperience working with senior banking stakeholders and cross-functional teams

A leading regulated organisation is seeking an experienced Head of Enterprise Risk Management to join its Risk & Compliance leadership team.Reporting directly to the Chief Risk Officer, this is a high-profile role responsible for shaping and embedding the enterprise risk framework across the business. You’ll lead strategic risk initiatives including ORSA, stress & scenario testing, risk appetite, emerging risk, and board-level risk reporting.Key responsibilities include:Leading the ongoing evolution of the ERM frameworkDelivering insightful risk reporting and analyticsDriving ORSA and stress testing activitySupporting risk appetite development and governanceInfluencing senior stakeholders and executive decision-makingStrengthening risk culture across the organisationWe’re looking for a commercially minded risk leader with:Significant ERM experience within financial services or insuranceStrong FCA/PRA regulatory knowledgeProven ORSA and enterprise risk expertiseExcellent stakeholder engagement and leadership skillsThe ability to operate confidently at executive and board levelThis is an outstanding opportunity to shape enterprise risk strategy within a complex and purpose-driven organisation.

A leading regulated organisation is seeking an experienced Head of Enterprise Risk Management to join its Risk & Compliance leadership team.Reporting directly to the Chief Risk Officer, this is a high-profile role responsible for shaping and embedding the enterprise risk framework across the business. You’ll lead strategic risk initiatives including ORSA, stress & scenario testing, risk appetite, emerging risk, and board-level risk reporting.Key responsibilities include:Leading the ongoing evolution of the ERM frameworkDelivering insightful risk reporting and analyticsDriving ORSA and stress testing activitySupporting risk appetite development and governanceInfluencing senior stakeholders and executive decision-makingStrengthening risk culture across the organisationWe’re looking for a commercially minded risk leader with:✔ Significant ERM experience within financial services or insurance✔ Strong FCA/PRA regulatory knowledge✔ Proven ORSA and enterprise risk expertise✔ Excellent stakeholder engagement and leadership skills✔ The ability to operate confidently at executive and board levelThis is an outstanding opportunity to shape enterprise risk strategy within a complex and purpose-driven organisation.

Senior Credit Risk Manager / DirectorLocation: New YorkLanguage: English required; additional language proficiency a plusWhy this role exists and what success looks likePortfolio resilience:Within one month of starting, define and model a path to a portfolio capable of absorbing a 100% increase in losses without gross margin falling below a defined threshold.Early momentum:Identify and launch at least one experiment within three months that improves approval strategy, credit limits, pricing, or loan duration. Within four months, at least one live experiment should demonstrate a 1 percentage-point increase in gross profit within the treatment group.Sustained gross profit generation:Within the first year, generate $1M in cumulative incremental gross profit attributable to implemented credit policy changes and experiments. Within two years, reach $5M in cumulative incremental gross profit.Experience & Scope NotesThere is no strict years-of-experience requirement. However, to operate effectively at this level and within the expected compensation range, successful candidates typically bring approximately 6–12 years of relevant experience.This is a senior individual contributor role. Impact is expected to be driven primarily through analysis, experimentation, code, and automation rather than people management. Leadership opportunities may emerge over time where outcomes are best achieved through team expansion. In a fast-growing environment, personal effectiveness—not resource availability—will be the primary limiter of impact.Relevant background:At least one year of experience in either non-prime consumer lending or consumer lending within emerging markets. Experience across both is a strong advantage.Analytical independence:Demonstrated ability to produce technically correct analysis without requiring validation from others. Advanced SQL proficiency is required.Autonomy and ownership:Once familiar with the product and customer base, you proactively identify opportunities for improvement and independently drive initiatives to completion.Comfort with challenge:Ability to receive and engage constructively with critical feedback from leaders and stakeholders, including having assumptions and conclusions questioned.Influence and persuasion:Capacity to gain alignment and drive adoption of decisions that may be unpopular but are critical to financial health and risk management.Risk mindset:Naturally vigilant about downside risk and profit erosion; inclined to dig beyond surface-level explanations and continuously question potential failure modes.Communication and executive presence:Clear, confident communicator capable of managing expectations and presenting credibly to senior stakeholders. Communication should be structured, concise, and easy to follow.

We are delighted to be working exclusively with a confidential client — an innovative, technology-led business operating at the intersection of AI-driven underwriting, consumer lending, and risk management.  On their behalf, we are seeking a Senior Credit Risk Analyst to join a lean, high performing Risk Management team. This is a hands-on, high-ownership role that will suit an experienced credit risk professional who is ready to step away from a large, heavily structured environment and take on genuine analytical accountability - with direct visibility to senior leadership. Our client is a specialist financial technology company whose core product suite includes an AI-powered underwriting and risk-based pricing platform, used by credit unions and lenders across the country. They hold established partnerships with major automotive lending institutions and in 2025 launched a new product line expanding into prime auto lending. The Risk Management team is small by design — collaborative, technically rigorous, and highly effective. With three analysts currently in place, the team is split between front-end analytics covering origination and pricing, and back-end analytics focused on portfolio performance and profit share modelling. What the Role Involves •    Monitoring and analyzing credit risk exposure across loan origination and portfolio performance •    Tracking approval rate drivers, flow metrics, and origination trends, reporting findings to senior leadership •    Building and maintaining performance models and profit share forecast models •    Conducting pricing analysis and optimization in close collaboration with the Actuarial & Decision Science team •    Developing and monitoring credit policies, procedures, and lending stipulations •    Assessing the impact of credit policy changes on loan volume and overall credit performance •    Using data mining and advanced analytical tools to quantify and mitigate credit risk •    Designing and executing ad hoc research projects from scoping through to executive-level presentation •    Communicating clearly and regularly with senior stakeholders on credit performance and origination trends Essential Requirements •    4 years of experience in credit risk analytics within consumer lending (secured or unsecured) •    Strong SQL capability with demonstrable experience querying large, multi-table datasets •    Proficiency in Python, SAS, or R for data mining and analysis (Python strongly preferred) •    Expert-level Microsoft Excel skills including complex workbook development and spreadsheet modelling •    Solid understanding of loan origination metrics and consumer lending portfolio dynamics •    Strong written and verbal communication skills — the ability to translate complex analysis into clear executive insight •    Highly organized, with proven ability to manage multiple workstreams under pressure and to deadline •    Collaborative and proactive in working with internal stakeholders Desirable •    Background in larger corporate environments with a desire for greater ownership and autonomy •    Master's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field •    Familiarity with auto lending, structured risk products, or insurance-linked financial structures Education •    Bachelor's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field — required •    Master's degree in a related field — preferred Why This Opportunity Stands Out •    A highly differentiated product in the auto lending market — you will be working on something technically interesting and commercially significant •    A small team with a flat structure — your work will be seen, valued, and acted upon at the highest levels of the organization •    Flexible working arrangements with a collaborative, close-knit team culture •    Strong employer commitment to technical training and career development •    Excellent total compensation — competitive base with a meaningful and well-structured bonus scheme We are delighted to be working exclusively with a confidential client — an innovative, technology-led business operating at the intersection of AI-driven underwriting, consumer lending, and risk management.  On their behalf, we are seeking a Senior Credit Risk Analyst to join a lean, high performing Risk Management team. This is a hands-on, high-ownership role that will suit an experienced credit risk professional who is ready to step away from a large, heavily structured environment and take on genuine analytical accountability - with direct visibility to senior leadership. Our client is a specialist financial technology company whose core product suite includes an AI-powered underwriting and risk-based pricing platform, used by credit unions and lenders across the country. They hold established partnerships with major automotive lending institutions and in 2025 launched a new product line expanding into prime auto lending. The Risk Management team is small by design — collaborative, technically rigorous, and highly effective. With three analysts currently in place, the team is split between front-end analytics covering origination and pricing, and back-end analytics focused on portfolio performance and profit share modelling. What the Role Involves •    Monitoring and analyzing credit risk exposure across loan origination and portfolio performance •    Tracking approval rate drivers, flow metrics, and origination trends, reporting findings to senior leadership •    Building and maintaining performance models and profit share forecast models •    Conducting pricing analysis and optimization in close collaboration with the Actuarial & Decision Science team •    Developing and monitoring credit policies, procedures, and lending stipulations •    Assessing the impact of credit policy changes on loan volume and overall credit performance •    Using data mining and advanced analytical tools to quantify and mitigate credit risk •    Designing and executing ad hoc research projects from scoping through to executive-level presentation •    Communicating clearly and regularly with senior stakeholders on credit performance and origination trends Essential Requirements •    4 years of experience in credit risk analytics within consumer lending (secured or unsecured) •    Strong SQL capability with demonstrable experience querying large, multi-table datasets •    Proficiency in Python, SAS, or R for data mining and analysis (Python strongly preferred) •    Expert-level Microsoft Excel skills including complex workbook development and spreadsheet modelling •    Solid understanding of loan origination metrics and consumer lending portfolio dynamics •    Strong written and verbal communication skills — the ability to translate complex analysis into clear executive insight •    Highly organized, with proven ability to manage multiple workstreams under pressure and to deadline •    Collaborative and proactive in working with internal stakeholders Desirable •    Background in larger corporate environments with a desire for greater ownership and autonomy •    Master's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field •    Familiarity with auto lending, structured risk products, or insurance-linked financial structures Education •    Bachelor's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field — required •    Master's degree in a related field — preferred Why This Opportunity Stands Out •    A highly differentiated product in the auto lending market — you will be working on something technically interesting and commercially significant •    A small team with a flat structure — your work will be seen, valued, and acted upon at the highest levels of the organization •    Flexible working arrangements with a collaborative, close-knit team culture •    Strong employer commitment to technical training and career development •    Excellent total compensation — competitive base with a meaningful and well-structured bonus scheme

Broadgate are excited to be partnering with a New York based Regional Bank who are looking for a Senior Credit leader.   Essential Duties & Responsibilities Credit Governance & Approvals:Serve as a voting member of the Greenlight Working Group, Credit Risk Committee, and Troubled Asset Working Group.Exercise final credit approval authority within delegated limits; approve or decline transactions (new, extensions, modifications) that fall outside standard underwriting parameters.Approve and challenge C&I risk rating migrations between pass and classified/criticized.Provide effective challenge on material credit risk decisions prior to committee presentations, including policy compliance, risk ratings, exposure limits, and identified weaknesses.Credit Framework & Policy Oversight:Review, approve, and monitor credit policy exceptions, including trend analysis and remediation.Partner with the Chief Credit Risk Officer (CCRO) and risk committees to establish portfolio and counterparty limits aligned with the Bank's risk appetite.Anticipate and assess regulatory developments, macroeconomic conditions, and industry trends to proactively adjust credit risk practices.Remediate credit risk MRAs and internal audit findings.Portfolio Monitoring & Analytics:Oversee C&I portfolio performance — compare actual versus expected performance and recommend policy, structural, or underwriting adjustments where misalignments arise.Identify individual, aggregate, and emerging risks, including early warning indicators across transactions, industries, and portfolios.Analyze external and macroeconomic risk drivers and forecast their impact on portfolio performance; recommend responsive changes to lending policies and loan administration.Identify distressed assets early and develop risk-mitigation strategies to minimize potential losses.Oversee credit risk associated with complex or non-traditional exposures, including counterparty and structured transactions.  Skills, Education & Experience Education & Experience:Bachelor's degree; MBA or advanced degree preferred.20 years of progressive experience in financial services with deep expertise in credit risk management within a corporate and/or commercial lending environment,Significant leadership experience (typically 10–15 years)Deep subject matter expertise in at least one complex or specialized credit area (e.g., Private Credit, Lender Finance, Private Equity, Subscription Finance, CLOs, or similar structured credit products).Expert-level understanding of commercial and corporate credit underwriting, risk rating frameworks, credit policy governance, and exception management.Advanced knowledge of credit risk measurement methodologies, including loss forecasting, counterparty credit risk assessment, stress testing, and portfolio analytics.Strong command of financial analysis, quantitative risk indicators, and the use of data to support credit decisions and risk-based recommendations.Advanced knowledge of applicable federal and state banking laws and regulations, and regulatory expectations governing credit risk management.