West Midlands | Hybrid
Risk Appetitie Statement Setting, Stress Testing, Model Risk, Portfolio Analysis and Financial Risk Oversight. - If you're looking for an employer that will give you the opportunity to round out your experience, become more then a single skill credit risk proffesional, this is the perfect opportunity for you. You'll be front and centre of the direction of Credit Risk at the most pivitol time of the banks growth.
What a genuinely 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 Opportunity
Reporting 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 Responsibilities
- Support the development of credit risk appetite, frameworks and governance
Partner with commercial and underwriting teams to optimise lending decisions - Assess acquisition and customer management strategies across SME lending portfolios
- Enhance lending policies, scoring models and credit risk frameworks
- Deliver portfolio analysis, stress testing and emerging risk insight
- Produce MI and reporting packs for senior stakeholders
- Ensure alignment with FCA, PRA and IFRS9 regulatory requirements
What We’re Looking For
- 5 years’ experience within credit risk and/or credit analysis in banking
- SME lending experience essential
- Strong analytical and data interrogation capability
- Advanced Excel and financial modelling skills
- Ability to translate technical risk analysis into commercial insight
- Pragmatic, commercially minded and intellectually curious approach
Why Join?
- One of the UK’s most differentiated purpose-led lenders
- Commercial growth with genuine social impact
- Opportunity to influence risk appetite during a major scaling phase
- Strong profitability and capital strength
- More autonomy, exposure and visibility than a large incumbent bank
- ESG 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.
