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About the Role

The Credit & Risk team provides independent oversight for the Private Credit platform, partnering with lending and portfolio management teams to establish governance and frameworks for consistent lending decisions, effective portfolio management, and restructuring across all lending strategies. This role involves managing a portfolio of distressed and underperforming relationships, developing and executing restructuring strategies, and leading negotiations.

Responsibilities

Primary management of a portfolio of distressed, underperforming and strategic exit relationships across the Private Credit platform.
Develop and execute restructuring, recovery and exit strategies that balance commercial outcomes with investor protection.
Lead negotiations with borrowers, sponsors and advisers during restructuring situations.
Monitor performance against agreed restructuring plans and adapt strategies where circumstances change.
Partner with portfolio management teams on higher-risk portfolio relationships, providing restructuring expertise through advisory support and joint management where appropriate.
Work closely with existing Restructuring Directors to ensure a consistent approach across the combined portfolio, share expertise, and provide mutual cover during absence or peak workload.
Support the management and development of the team's Associate Director, contributing to caseload prioritisation, technical guidance and professional development.
Coach and support junior members of the wider Credit & Risk team on restructuring principles and distressed debt management.
Present restructuring strategy recommendations to Credit Committee and other governance forums.
Support monthly portfolio reviews, watchlist meetings and Portfolio Monitoring Group reporting.
Contribute to portfolio-wide identification of emerging credit deterioration and recommend appropriate actions.
Participate in provisioning reviews and impairment assessments across the portfolio.
Build effective relationships with portfolio management teams, origination teams and credit colleagues to ensure early identification of deteriorating credits.
Manage relationships with insolvency and restructuring advisers and other external specialists.
Negotiate with borrowers and key stakeholders to deliver commercially effective restructuring outcomes.
Lead projects aimed at improving restructuring processes, portfolio oversight and recoveries capability.
Support the Head of Credit in developing restructuring policies, frameworks and best practice.
Contribute to continuous improvement of portfolio monitoring and early warning frameworks.

Requirements

Extensive experience managing distressed lending, restructuring or recoveries within private credit, commercial banking, direct lending or restructuring advisory.
Strong understanding of commercial lending structures, including senior secured, asset-backed and property-backed lending.
Proven experience developing and executing restructuring and recovery strategies.
Experience presenting complex restructuring cases to Credit Committees or equivalent governance forums.
Experience negotiating and executing loan documentation, ideally to LMA standard.
Strong commercial judgement and ability to balance recovery outcomes with ongoing customer relationships.
Excellent stakeholder management and negotiation skills.
Strong financial analysis capability including cashflow forecasting, business viability assessment and downside analysis.
Experience across multiple lending products including leveraged finance, specialty finance, funds finance and development finance.
Knowledge of insolvency legislation and formal restructuring processes.
Experience managing external legal advisers and insolvency practitioners.
Previous line management or mentoring experience.
Professional qualification in accountancy, banking, restructuring or insolvency.

Skills

Restructuring
Recovery
Distressed Debt Management
Credit Underwriting
Portfolio Monitoring
Financial Analysis
Cashflow Forecasting
Business Viability Assessment
Stakeholder Management
Negotiation

Location

Remote
Hybrid

Work Type

Hybrid
Flexible working

Experience Level

Extensive experience

Education Level

Professional qualification in accountancy, banking, restructuring or insolvency.

Salary/Compensations

Competitive salary

Benefits

Contributory pension
Hybrid/flexible working
Ongoing learning and development opportunities

About the Company

Since 2004, Triple Point has been connecting capital with investment opportunities, managing over £2.5 billion across Private Credit, Social Housing, Clean Heat, Energy, and Venture strategies for retail and institutional clients.
The company has over 230 employees committed to improving the world, evidenced by its B Corp certification, adherence to the Principles for Responsible Investment, and recognition as a Sunday Times 'Best Place to Work 2025 & 2026'.
Triple Point values curiosity, generosity, thoughtful action, collaboration, and ownership.

Equal Opportunity

Triple Point is dedicated to providing fair and equal opportunities for all individuals.
Discrimination based on age, disability, gender, sexual orientation, pregnancy, race, ethnicity, religion, gender identity, or marital status is not tolerated.
The company aims to create a welcoming and diverse work environment where people from all backgrounds feel valued and supported.
Individuals from various backgrounds are actively encouraged to apply.