At a Glance
- Tasks: Lead credit asset management for real estate, driving data-driven governance and reporting.
- Company: Dynamic firm specialising in private credit with a focus on innovation.
- Benefits: Hybrid working, competitive salary, performance bonuses, and generous holiday allowance.
- Other info: Opportunity for career growth in a collaborative and fast-paced environment.
- Why this job: Shape the future of credit asset management and make a significant impact.
- Qualifications: Experience in real estate private credit and strong analytical skills required.
The predicted salary is between 99000 - 121000 £ per year.
Overview
In this role you will lead credit asset management for mid-to-large real estate private credit, supporting portfolio oversight, reporting, and platform development.
You will work across multiple geographies, coordinating with loan servicers and driving data-driven asset management and governance.
The position offers the chance to build scalable processes, reporting tools, and controls that institutionalise best practices.
You will help shape the platform and reporting framework to support investment performance and risk management.
- Pay / Benefits
- discretionary performance-related annual bonus
- hybrid working with one day per week from home
- pension contribution (8% of salary; up to 12.5%)
- 30 days holiday plus bank holidays
- digital health services including GP
- life insurance and income protection
Responsibilities
- Oversee credit asset management for performing and high-yield private real estate credit and relevant NPL/legacy exposures.
- Lead platform development and improvements, including asset management processes, reporting templates, data infrastructure, controls, and governance.
- Build and maintain credit databases, loan tapes, dashboards, and analysis tools for loan- and portfolio-level monitoring.
- Calculate and monitor key loan/portfolio metrics (LTV, LTC, DSCR, debt yield, interest cover, arrears, covenants, waivers, amendments, concentration).
- Support the assessment and management of underperforming loans (amendments, waivers, restructurings, enforcement, workout strategies).
- Coordinate with third-party loan servicers on administration, borrower communications, reporting, data quality, covenants, and issue escalation.
- Prepare loan- and portfolio-level analysis for monthly/quarterly reporting and management materials.
- Institutionalise operating procedures, servicing frameworks, reporting standards, and governance across investments and geographies.
- Key requirements
- Institutional background in international real estate private credit or credit asset management, from a credit fund, alternatives fund, or platform.
- Experience in a platform where processes, data, reporting, controls, and operating routines were designed or implemented.
- Practical understanding of real estate private credit, including loan structures, performance monitoring, covenants, restructurings, defaults, and exits.
- Ability to build and maintain credit databases, loan tapes, portfolios trackers, dashboards, and reporting tools.
- Proficiency in calculating and explaining loan/portfolio metrics (LTV, LTC, DSCR, debt yield, IRR/MOIC, concentration).
- Experience working with third-party loan servicers on data reconciliation and covenant tracking.
- Advanced Excel and financial modelling; experience with databases, BI tools, workflow automation or reporting systems is a plus.
- Proactive, execution-focused, with the ability to identify gaps and progress workstreams with guidance.
- Strong written and verbal communication for management materials and portfolio updates.
- Strong academic background in finance, economics, real estate, engineering, business, or related field.
- proactive
- execution-oriented
- strong written and verbal communication
- advanced Excel
- financial modelling
- databases
Vice President, Credit Asset Management in London employer: Grupo Santander
At Santander Corporate & Investment Banking, we pride ourselves on being an exceptional employer that values diversity and fosters a collaborative work culture. Located in the heart of London, our team enjoys a competitive benefits package, including generous holiday allowances, tailored pension contributions, and comprehensive healthcare options, all designed to support both personal and professional growth. We empower our employees to thrive by providing opportunities for development and encouraging innovative thinking, making us a rewarding place to build a meaningful career in global banking.
StudySmarter Expert Advice🤫
We think this is how you could land Vice President, Credit Asset Management in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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Don’t shy away from reaching out directly to firms like Grupo Santander. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Vice President, Credit Asset Management in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Grupo Santander.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Grupo Santander's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Grupo Santander
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Grupo Santander.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Grupo Santander will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Grupo Santander employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
