Head of Credit Risk Transformation

• Work with the Chief Credit Officer to define the Credit Risk transformation strategy, target decisioning capability and roadmap, aligned with risk appetite, regulatory obligations and strategic objectives
• Set out end-to-end Credit Risk transformation outcomes and benefits, including decision effectiveness, automation, controls, operational efficiency and customer outcomes
• Define and prioritise Credit Risk requirements and design principles across policy, strategy, models, data, technology, operations and customer journeys
• Provide functional leadership across multidisciplinary teams, programme colleagues, consultants and technology partners, setting direction, resolving dependencies an assuring delivery quality
• Advise the Chief Credit Officer on material strategic, risk, investment and prioritisation matters, while representing Credit Risk within executive and programme governance
• Provide independent challenge and assurance to ensure solutions remain aligned with lending policy, risk appetite, regulatory obligations and control requirements
• Anticipate regulatory, market, portfolio and technology developments, translating these into future capability and investment priorities, with clear measures and reporting on delivery, benefits, risk exposure and strategic outcomes
• Extensive experience leading complex, business-critical Credit Risk, Lending or Decisioning transformation within banking or financial services, from strategy through to end-to-end delivery
• Deep expertise in credit risk management, including lending policy, credit strategy, risk appetite, models, data, portfolio management and the UK banking regulatory environment
• Proven ability to define target capabilities, operating models and strategic roadmaps across policy, models, data, technology, operations and customer journeys
• Strong understanding of credit risk systems, decision engines and automation, including model, data, testing, implementation, control and governance requirements supporting lending decisions
• Demonstrable leadership across multidisciplinary and matrix teams, including senior specialists, programme colleagues, consultants and technology partners, with the ability to navigate ambiguity and complex dependencies
• Strong executive influencing, negotiation and decision-making skills, with the judgement to constructively challenge and advise senior leaders on material risk, investment and prioritisation decisions
• Proven ability to establish effective governance, accountability and measures of success, delivering measurable improvements across decision effectiveness, automation, controls, operational efficiency and customer outcomes
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts!
• We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!)

At Metro Bank, we believe the best banking experience starts with people who genuinely care. We’re not just delivering banking services – we’re building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long-standing relationships. We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.

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