At a Glance
- Tasks: Lead credit strategies and optimise decision-making to drive business growth.
- Company: Join Aldermore, an award-winning bank trusted by over a quarter of a million customers.
- Benefits: Enjoy hybrid working, a friendly culture, and opportunities for career development.
- Other info: Be part of a diverse team that values inclusion and personal growth.
- Why this job: Make a real impact in a growing organisation with a focus on continuous improvement.
- Qualifications: Experience in credit risk and strong analytical skills are essential.
The predicted salary is between 60000 - 75000 € per year.
About Aldermore: We’re Aldermore – the award‑winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we’re backing more people to go for it.
Opportunity: This is an exciting opportunity to join Business Finance as a Credit Risk Manager, using your credit risk experience and analytical mindset to inform commercial decision‑making and drive business strategy. This is a front‑line role within the Financial Risk team, where you’ll play a critical part in continuously optimising credit strategy (including auto‑decisioning), and assessing portfolios for emerging risks, trends and opportunities.
Key Responsibilities:- Lead the development and execution of credit strategies aligned to business growth and risk appetite.
- Oversee portfolio performance, identifying trends, emerging risks and opportunities for improvement.
- Drive enhancements to credit decisioning, including automation, efficiency and risk outcomes.
- Translate analytical insight into clear recommendations that balance commercial ambition and risk management.
- Design, own and monitor key portfolio performance metrics, taking targeted action where required.
- Lead portfolio deep‑dives, incorporating behavioural, macroeconomic and external data insights.
- Act as a key liaison between risk, commercial teams and senior leadership to ensure alignment.
- Champion a strong risk culture and robust governance across the credit lifecycle.
- Experience working in credit risk within financial services, ideally in business finance or commercial lending.
- Strong understanding of the full credit lifecycle, from originations through to collections and recoveries.
- Proven experience in portfolio analytics and the use of key credit risk metrics.
- Experience using credit bureau and external data in acquisition and portfolio decisioning.
- Familiarity with scorecards, automated decisioning strategies and model monitoring.
- Working knowledge of relevant regulatory and accounting frameworks (e.g. IFRS 9, ICAAP).
- Strong analytical capability, with experience using tools such as SAS, Python, R, Tableau or Power BI.
- Confident communicator, able to influence, challenge and present to senior stakeholders.
- A hybrid working policy, 2 days per week onsite in one of our offices.
- A friendly and flexible culture, the same as how we work with our customers.
- A growing organisation with plenty of opportunities to develop and progress.
- A strong focus on continuous improvement, with the freedom to make a real impact from day one.
- Competitive reward, including a strong core benefits package and bonus potential.
EEO Statement: We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave. Please note that we have a thorough referencing process, which includes criminal record checks.
Credit Risk Manager employer: Aldermore Bank
Aldermore is an award-winning bank that prioritises a friendly and flexible work culture, making it an excellent employer for those seeking meaningful careers in financial services. With a strong focus on employee development and continuous improvement, you will have the opportunity to make a significant impact from day one while enjoying a competitive benefits package and a hybrid working model. Join us in a role where your analytical skills will directly influence business strategy and risk management in a supportive environment.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Manager
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can help you land that Credit Risk Manager role.
✨Tip Number 2
Prepare for interviews by practising common questions related to credit risk and analytics. We suggest using the STAR method to structure your answers, showcasing your experience and how it aligns with Aldermore's needs.
✨Tip Number 3
Showcase your analytical skills! Bring examples of your work with tools like SAS or Python to the table. We want to see how you’ve used data to drive decisions and improve outcomes in previous roles.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Risk Manager role. Highlight your experience in credit risk and any relevant analytical skills. We want to see how your background aligns with what we’re looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re passionate about this role and how you can contribute to our team. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills:Since this role involves a lot of data analysis, make sure to showcase your analytical capabilities. Mention any tools you’ve used like SAS or Python, and how they’ve helped you in previous roles. We’re keen on seeing your problem-solving skills in action!
Apply Through Our Website:Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy – just follow the prompts and you’ll be set!
How to prepare for a job interview at Aldermore Bank
✨Know Your Credit Risk Stuff
Make sure you brush up on your credit risk knowledge before the interview. Understand the full credit lifecycle and be ready to discuss how you've applied this in previous roles. Aldermore will want to see that you can translate analytical insights into actionable strategies.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical capabilities using tools like SAS, Python, or Tableau. Bring examples of how you've used these tools to drive decision-making and improve portfolio performance. This will show that you can handle the technical aspects of the role.
✨Communicate Clearly and Confidently
Practice articulating your thoughts clearly, especially when discussing complex topics like credit strategies and risk management. Aldermore values confident communicators who can influence and present ideas to senior stakeholders, so be ready to showcase this skill.
✨Align with Their Culture
Familiarise yourself with Aldermore's friendly and flexible culture. Think about how your values align with theirs and be prepared to discuss how you can contribute to a strong risk culture. Showing that you fit in with their ethos can set you apart from other candidates.
