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About the Role

This role presents an exciting opportunity for an experienced Credit Risk professional to make a significant impact within a growing and transforming business. Sitting within the second line of defence, you will play a key role in shaping lending strategy, providing independent challenge, and influencing commercial decision-making to support sustainable growth. With exposure to senior leadership, you will have the opportunity to shape credit risk frameworks, strengthen governance, and support the delivery of the Bank's strategic priorities.

Responsibilities

Lead and develop a team of senior credit risk professionals, providing oversight, coaching and performance management.
Own the Corporate & Commercial credit risk framework, ensuring lending portfolios are built, monitored and controlled within the Bank’s strategic risk appetite and regulatory requirements.
Develop and maintain credit risk appetite, policies, lending standards and lifecycle controls, ensuring compliance with relevant regulations and alignment to business strategy.
Chair the Commercial Credit Risk Oversight Committee (C-CROC), providing governance, approving policies and lending standards, monitoring portfolio performance and escalating material risks to senior risk committees.
Provide independent oversight and assurance of portfolio performance, including risk appetite monitoring, portfolio reviews, policy compliance, remediation plans and risk governance escalation.
Lead portfolio reporting and impairment forecasting, delivering robust MI, credit risk insights, ECL planning and oversight of individual impairments.
Act as the credit risk lead for strategic initiatives, new products and business change programmes, ensuring credit risk implications are understood and appropriate end-to-end risk capabilities are embedded.
Own key commercial credit risk models, systems and external stakeholder relationships, overseeing model governance, risk grading frameworks, regulatory engagement and external risk communications.

Requirements

Extensive understanding of credit risk approaches, techniques, oversight and control frameworks for corporate and commercial lending through the credit lifecycle.
Experience operating in a Leadership role within a commercial credit policy, portfolio oversight, strategy and/or credit underwriting team.
Knowledge in credit risk management across multiple commercial lending products including fixed term and revolving, secured and unsecured.
Knowledge of loss drivers and lessons learned.
Up to date with relevant UK regulatory requirements and changes.
Strong leadership and stakeholder management skills, with experience influencing and constructively challenging Executive, Board-level and regulatory stakeholders whilst building productive cross-functional relationships.
Strategic and analytical thinker, able to simplify complex issues, make risk-based decisions, solve problems effectively and understand the wider organisational impact.
Proven ability to drive high performance and organisational change, setting best-practice standards, leading diverse teams, developing talent and delivering sustainable business outcomes.
Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders.

Skills

Credit Risk
Lending Strategy
Independent Challenge
Commercial Decision-Making
Credit Risk Frameworks
Governance
Team Leadership
Oversight
Coaching
Performance Management
Risk Appetite
Policy Development
Lending Standards
Lifecycle Controls
Regulatory Compliance
Commercial Credit Risk Oversight Committee (C-CROC)
Portfolio Performance Analysis
Risk Escalation
Portfolio Reporting
Impairment Forecasting
Management Information (MI)
Credit Risk Insights
ECL Planning
Strategic Initiatives
New Product Development
Business Change Management
Credit Risk Models
Model Governance
Risk Grading Frameworks
Regulatory Engagement (PRA)
External Risk Communications
Stakeholder Management
Strategic Thinking
Analytical Thinking
Problem Solving
Organizational Change Management
Talent Development

Location

AMAZE Central - Holborn
Greater London

Work Type

Hybrid Working

Experience Level

Senior
Leadership

Salary/Compensations

Competitive salary
Discretionary annual bonus

Benefits

Generous holiday allowance
Attractive pension scheme
Healthcare
Life assurance
Colleague discounts
Training for success
Internal opportunities for career progression

About the Company

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.

Equal Opportunity

Diverse teams really are the best teams.
We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box.
We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked.
So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl?
Good luck!