Head of Wholesale Credit Delivery in Reading

Aldermore Group – why we exist

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.

We thrive by saying “yes” to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car, van or motorbike.

This is where you come in. We are on a journey defined by a destination; to deliver on our purpose.

A senior leadership role responsible for ensuring the Credit function has the capability, structure, and capacity to support the Bank’s wholesale lending strategy. The role provides oversight of wholesale credit risk, delivers independent challenge, and maintains robust credit risk frameworks and controls, acting as delegate for the Head of Wholesale Credit when required.

As a key partner to the business and Risk function, you will help shape wholesale credit strategy using strong commercial and industry expertise. The role is a Senior Credit Officer, holding a £25–30m credit mandate, with responsibility for the governance, oversight, and effective use of credit mandates across the Bank, while acting as an ambassador for Aldermore’s values.

The position is available in both our Reading and London offices, with hybrid working as standard.

To act as an ambassador of the Bank’s vision to; Back more people to go for it in life and in business.

What will your day look like?

The role will report into the Head of Wholesale Credit, who will be your line manager and responsible for things like performance review meetings, 1-1s and development conversations.

You will be responsible for:

• Lead and resource the Wholesale Credit teams to ensure capability, capacity, and structure remain aligned to the Bank’s evolving origination strategy, product mix, and volumes.
• Provide senior oversight, independent challenge, and approval of complex wholesale credit transactions within delegated mandate, ensuring alignment with risk appetite, policy, and regulatory requirements.
• Maintain effective governance of credit risk by overseeing lending mandates, proactively identifying and escalating emerging risks, breaches, or issues through appropriate forums.
• Act as a key partner to the business, Risk function, and regulators, supporting the development of wholesale credit strategy, policies, and a strong risk culture across the Bank.
• Lead, develop, and inspire high-performing credit teams, fostering collaboration, accountability, and continuous improvement, including oversight of workout and restructuring activity.
• Provide leadership continuity as deputy to the Head of Wholesale Credit, representing the function at key committees and forums and acting as delegate when required.

What do we expect from you?

• Proven expertise in wholesale credit risk management, providing independent challenge, strategic oversight, and thought leadership in credit decisioning.
• Strong leadership and people management skills, capable of building high-performing teams, fostering accountability, and maintaining continuity as a trusted deputy.
• Excellent communication and influencing abilities, able to engage stakeholders at all levels, escalate issues, and provide clear guidance.
• Deep understanding of regulatory requirements, credit risk processes, scoring methods, and the use of automation/auto-decisioning for efficiency.
• Experienced in balancing business outcomes with risk, collaborating across functions, and providing oversight of credit exposure to ensure SLA adherence.
• Skilled at developing relationships internally and externally, shaping credit strategy, and promoting a culture of ownership, performance, and continual improvement.

What can you expect from us?

A friendly and flexible culture, the same as how we work with our customers. A growing organisation that means there’s lots of opportunities to progress. A drive for continuous improvement, which you will be empowered to get behind from day one. And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.

Please note that we have a thorough referencing process, which includes criminal record checks.

Behaviour Framework

Our behavioural framework underpins our purpose and strategic drivers, as it outlines the behaviours we need to demonstrate in order to succeed. In your second interview, we’ll ask you to talk through some examples where you’ve demonstrated these behaviours in your previous roles.

The Benefits

As you would expect, we offer a competitive basic salary and reward package, and you’ll also benefit from our commitment to investing in your professional development throughout your journey with us. Benefits vary across the business depending on the role you do, but these will give you an idea of what to expect:

• Discretionary bonus scheme
• Aviva Digital GP
• Bus And Tram Benefit
• Employee Assistance Programme
• Eyecare Voucher & Display Screens/Desk Set-Up
• Flu Jab Vouchers
• Group Income Protection
• Life Assurance
• Metrolink Annual Pass & Clipper Ticket
• Microsoft Discounts
• Private Medical Insurance
• Shopping Discounts
• Toothfairy
• Your Workplace Pension
• Hybrid Working
• Critical Illness
• Cycle To Work
• Dental Insurance
• Give As You Earn
• Government Tax-Free Childcare Scheme
• Octopus Electric Vehicles
• Save Our Planet
• Season Ticket Loan
• Spouse Or Partner Life Assurance
• Technology
• Wearable Technology
• Wellbeing App
• Will Writing