Director Credit Risk Management

Role: Deputy Director – Credit Risk / Portfolio Management

Location: Southwest – with national travel requirements when required

Contract: 6 months (with likely extension)

Job Purpose:

Reporting to the Chief Investment Officer, you will lead the Credit and Portfolio functions for a government body. Your role will ensure compliance with policies, adherence to best practices in responsible lending, and a strong commitment to fair customer treatment.

As part of the Finance management team within the products and services function, you will play a key role in shaping policy and funding discussions with both internal and external stakeholders, including government representatives and the wider public. Additionally, you will contribute to strategic decision-making.

Key Responsibilities and Accountabilities:

• Lead a team of credit, investment, and debt portfolio specialists to manage a high-risk SME loan portfolio with structured finance controls.
• Oversee credit, investment, and arrears decisions within delegated authority, ensuring responsible lending practices.
• Support the Heads of Credit and Portfolio in standardizing the agency’s approach to lending and debt management, aligned with FCA framework.
• Act as the technical expert in credit and portfolio management, contributing to risk, assurance, and governance strategies.
• Collaborate with senior leadership to drive product-led, customer-focused strategy.
• Build strong relationships with key stakeholders.
• Represent the agency in public and government forums, providing thought leadership and expert insight.
• Serve as an executive member of the Credit Committee, contributing to strategic lending decisions.

Essential skills and qualifications

• Experience in lending or investment decision-making within finance.
• Degree or relevant qualification.
• Strong portfolio management and leadership experience.
• Expertise in policy initiatives, Subsidy Control regulations, and public finance.
• Proven success in launching large-scale financial products.
• Track record of helping UK SMEs grow through finance solutions.
• Knowledge of IFRS9 fair value accounting and loan benchmarking.
• Client-facing experience, managing expectations, and credit decisions.

How to apply?

Send a CV to

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