Lead Credit Risk Insights & Strategy Manager

At Metro Bank, we believe the best banking experience starts with people who genuinely care. We’re not just delivering banking services - we’re building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long-standing relationships. We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.

What You Will Do

• Develop and produce monthly cross-portfolio credit risk reports, ensuring these are accurate, timely, and insightful for both internal and external audiences.
• Analyse model outputs and understand the drivers of changes and the associated impacts.
• Produce analysis and reports to support the management of the credit risk appetite framework and limits, in alignment with the Bank’s strategic and financial plans.
• Support the credit risk impairment and capital forecasting stress testing processes, to support the Bank’s annual and monthly financial planning and capital management processes and committees, including the ICAAP.
• Produce ad-hoc analysis of the Bank’s credit risk profile with focus on key Credit Risk metrics, RWAs, IFRS 9 ECL’s etc, to support senior management and risk committees in the strategic management of credit risk.
• Support production of the analysis and reporting described above, to develop tools using SAS/Excel whilst liaising closely with the Credit Risk Modelling, Credit Impairment and Data and Reporting teams to leverage existing modelling and analysis capabilities and ensure consistency and accuracy of reporting metrics.
• Ensure that analysis is accurate and that the processes developed are efficient. To also provide direction and oversight of work produced by analysts within the team.

And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the ability to call out any concerns.

What You Will Need

• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders.
• Experience in credit risk data analysis with the ability to work with technical data and reporting teams to produce high quality and well controlled outputs.
• Experience using SAS, Excel and other analytical tools for data analysis.
• Knowledge in developing processes and operating processes for credit risk impairment and capital forecasting and stress testing.
• Proven experience in producing credit risk reports and providing insightful commentary.
• Knowledge of lending products and credit risk measurement approaches across both retail and commercial portfolios.
• Understanding of writing credit risk policies, documentation, developing risk appetite frameworks and risk controls, and producing credit risk components of an ICAAP would be desirable.

Our promise to you…

We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts! We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!)

Important Footnote

Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl? Good luck!