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About the Role

This role is responsible for defining and leading the Credit Risk transformation strategy, target decisioning capability, and roadmap, aligned with the bank's risk appetite, regulatory obligations, and strategic objectives. The Head of Credit Risk Transformation will set out end-to-end outcomes and benefits, including decision effectiveness, automation, controls, operational efficiency, and customer outcomes.

Responsibilities

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 and 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.

Requirements

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.

Skills

Credit Risk transformation
Lending
Decisioning
Credit risk management
Lending policy
Credit strategy
Risk appetite
Models
Data
Portfolio management
UK banking regulatory environment
Target capabilities
Operating models
Strategic roadmaps
Credit risk systems
Decision engines
Automation
Model implementation
Data implementation
Testing
Control
Governance
Executive influencing
Negotiation
Decision-making
Leadership
Functional leadership
Risk assessment
Regulatory compliance

Location

Holborn

Work Type

Hybrid working

Experience Level

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.
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.

Salary/Compensations

Competitive salary
Discretionary annual bonus

Benefits

Generous holiday allowance
Attractive pension scheme
Healthcare
Life assurance
Colleague discounts
Training to ensure success in role
Internal opportunities to progress career

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.

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!