Director, Portfolio Monitoring

Since our launch in 2015, we’ve lent over £10bn to ambitious entrepreneurs up and down the UK. That’s led to the creation of over 40,000 new jobs and over 29,000 new homes – and we’re not about to stop there. We’re dedicated to helping trailblazing businesses thrive and our Portfolio Monitoring team are integral to our growth.

This is a fantastic opportunity to join a fast-paced, growing bank with a reputation for doing things differently. We don’t want another cog in the machine, we’re looking for self-starters and bold thinkers who want to pave their own career paths and are passionate about supporting the UK’s best and brightest businesspeople.

The Director of Portfolio Monitoring leads the proactive oversight of a diverse loan portfolio (£1M–£50M), including Commercial Real Estate, Speciality Finance, and Fund Finance. This senior role involves identifying credit risks, managing distressed exposures, and driving process improvements to ensure safe, sustainable portfolio growth.

This role is ideal for a seasoned credit professional with a strong background in Commercial Real Estate, Speciality Finance, and Fund Finance—ready to drive strategic portfolio management and risk remediation in a dynamic environment.

Are you ready to step up to the challenge?

Responsibilities:

1. Provide strategic leadership in monitoring and managing a diverse loan portfolio, assessing credit challenges, and deploying remedial measures to align with the bank’s risk appetite.
2. Lead complex negotiations, restructurings, and remediation efforts, conducting financial analyses to address distressed credits, while overseeing lending and security documentation in line with LMA standards.
3. Mentor and manage a high-performing team across the UK and India, collaborating with credit committees, senior management, and external advisors to deliver strategic credit risk solutions.
4. Drive process improvements and innovation by refining risk frameworks, advising on new business opportunities, and leading special projects to enhance operational efficiency and risk controls.
5. Foster strong relationships with borrowing clients, present comprehensive credit risk reports and restructuring proposals, and liaise with external industry contacts to support deal structuring and resolution of credit issues.

Requirements:

1. Significant experience in credit risk management, portfolio monitoring, and advanced lending within major financial institutions.
2. Expertise in Commercial Real Estate lending, Speciality Finance, and Fund Finance, with a strong track record in managing distressed credits and leading restructurings.
3. Professional qualifications in corporate credit analysis or financial modelling, with a robust industry network across banking, private equity, and real estate.
4. Proven ability to drive efficient loan portfolio management, meet tight deadlines, and innovate risk strategies while fostering a collaborative, high-performance culture.
5. Strong leadership, communication, and negotiation skills, with deep technical knowledge of credit appraisal, financial analysis, and complex lending structures.
6. Exceptional analytical skills and a proactive approach to process improvement and risk monitoring.

Benefits & Perks:

1. Equity. We want people to have a stake in the business so that all our interests are aligned.
2. 25 days holiday
3. Personalized benefits – opt-in to what matters to you
4. Subsidised Private Medical Insurance with Bupa
5. Enhanced maternity and paternity leave
6. Wellbeing and social events
7. In-house Barista Bar in London office
8. Support causes that matter to you – Volunteering time off
9. Salary sacrifice schemes (Cycle to work, nursery, gym, electric car scheme)

#J-18808-Ljbffr