Head of Lending Products Risk in Birmingham

Closing Date: 14/7/2026. Interviews will commence from week beginning 20/7/2026.

About the role

The Head of Lending Products Risk – Equity and Partnerships is a highly visible Senior Leadership position within the Risk Directorate with direct responsibility for 2nd Line oversight and assurance over all Equity and Partnerships Products managed by NHB. This role carries significant accountability and encompasses the full product spectrum from the concept/inception/set up through to execution and portfolio management with significant focus on Financial and Non‑Financial Risk. The role will work closely with the other Heads within the Lending Products Risk team and will be expected to support the Infrastructure and Real Estate lending teams where appropriate. This role will provide senior support for developing policy and the risk management approach to Equity and Partnerships products, building on and enhancing existing frameworks or helping establish new ones i.e. NHB Policy framework.

About you

This role will have key interface between 1st and 2nd Line of defence, often providing technical advice from both a risk and commercial perspective. You will need to be a strong and proven influencer with good communication skills demonstrating the ability to translate and disseminate technical and often complex concepts into succinct messages and briefings suited to a wide-ranging audience. You will be able to manage difficult conversations, remaining firm on recommendations and achieving positive outcomes while balancing strategic objectives and policy priorities with risk appetite. You will need to be resilient and comfortable managing stakeholders at all levels, with the ability to negotiate and persuade, and your discussions will always be shaped by strong risk management and assurance principles. This role will work with internal stakeholders including Origination, Portfolio Management, Legal and Finance to help progress new Equity and Partnerships transactions and new product design/concept through the approval and implementation process.

Responsibilities

• Reviewing, assessing and analysing 1st Line proposals ensuring papers articulate key risks and make clear recommendations, escalating proposals and applications where required.
• Overseeing each transaction post‑approval and execution by reviewing Portfolio MI including KPIs and KRIs and pipeline reports.
• Exercising CRO Delegated Authority and retaining oversight of Equity and Partnerships scheme transactions/credit proposals.
• Inputting into a range of corporate projects across NHB including Change Management, People Strategy and Corporate Strategy as and when required.
• Lead, line manage, develop and motivate a team via objective setting, performance management, professional development and cross‑team working opportunities.
• Support/deputise for the Assistant Director Lending Products Risk and other Heads of Lending Products Risks as and when required.

You will be able to demonstrate that you can work with others as part of a team in a collaborative and inclusive way.

Qualifications

• Significant risk experience gained in a financial institution such as a lending or investment institution.
• Knowledge of risk measurement and management techniques with a focus on credit risk in real‑estate lending and/or a solid understanding of the capital markets, coupled with strong real‑estate knowledge (development and investment).
• Knowledge of a wide range of equity products, different equity risk structures and equity portfolio management.
• Understanding of investment structures and financing tools utilised within the capital raising spectrum.
• Practical knowledge of good corporate governance, risk identification, mitigation and management practices.
• Understanding of financing and delivery risks in large‑scale residential and regeneration projects.
• Knowledge of the institutional investment landscape.
• Knowledge of the government housing policy and the housing market.

Right to Work: Applicants must have the Right to Work in the UK and Homes England do not offer visa sponsorship. If your application is shortlisted for interview we will require you to provide proof of your Right to Work in the UK at this stage.

What we offer

As well as a competitive salary and 33 days annual leave, we are committed to 50/50 hybrid working. We’ll support you, wherever possible, so that you don’t miss out on what matters to you. Membership of the Homes and Communities Agency Pension Scheme, a contributory defined benefit scheme based on your salary and years worked at the Agency. Internal applicants: please note that if you are successful, the salary you are offered will be in accordance with our pay policy. You can find details on the HR Hub SharePoint site. If you ever need a bit of extra help, we have a great employee assistance programme, a wide range of healthcare plans, financial wellbeing support and access to many great discounts with leading high‑street names. Our range of network groups are also there to support you to be yourself at work and play a key role in helping shape our future. Membership of a professional body: we’ll pay for your membership and once you get your digital kit, you’ll be good to go. Homes England operates a geographically diverse community. We work to a 50/50 office/home based model. Moving back into our office environments has enabled us to utilise our space and time together in the most collaborative way. We are a diverse team of more than 1,000 professionals spanning 17 professions, helping Homes England to be effective, efficient and deliver for communities.