Credit Risk Manager (First Line of Defence)

Overview

In this role, you will lead first-line credit risk governance for the UK, shaping strategies that balance responsible growth with regulatory alignment. You’ll collaborate with Compliance, Legal, Operations, and Enterprise Risk to translate expectations into practical controls, influencing governance and policy. You will turn insights into actions to improve customer outcomes while maintaining oversight across the risk framework. This is a high-impact, collaborative position within a long-standing and innovative team that values trust and customer focus.

Responsibilities

• Shape forward-looking credit strategies by leveraging data analytics and business judgment to improve customer outcomes
• Translate regulatory and enterprise expectations into practical first-line processes and controls
• Clarify risk and regulatory issues and communicate actionable messages to stakeholders
• Build partnerships across Operations, Compliance, Legal, Control Management, Enterprise Risk, and the wider business to strengthen oversight
• Lead responses to operational risk events, internal audit requests, and regulatory remediation activities
• Own and evolve the UK Credit Risk Procedure to stay current with regulatory, enterprise, and business needs

Key requirements

• Significant experience in risk management, data analytics, or a related discipline within a regulated financial services organisation
• Strong critical thinking and analytical skills with ability to turn insights into action
• Knowledge of UK consumer credit regulation (CONC, Consumer Duty, Consumer Credit Act)
• Ability to navigate competing priorities and deliver high-quality work in a fast-paced environment
• Excellent written and verbal communication to influence across functions
• Proactive, curious, detail-oriented approach with commitment to governance and good customer outcomes
• Proficiency in SQL or Python

• excellent communication
• influencing across functions
• proactive and curious mindset
• detail-oriented governance focus
• SQL
• Python

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