At a Glance
- Tasks: Lead a team of analysts to monitor credit risk and develop strategies for lending portfolios.
- Company: Join a small, dynamic bank focused on innovation and teamwork.
- Benefits: Competitive salary, professional development, and a collaborative work environment.
- Other info: Opportunity to lead a team and engage with senior stakeholders.
- Why this job: Make a real impact on credit strategy and portfolio performance in a hands-on role.
- Qualifications: Degree in a numerate discipline and strong experience in credit risk analysis.
The predicted salary is between 50000 - 65000 £ per year.
Description
As the 1st Line Credit Manager, you will lead a small team of credit risk analysts and be responsible for the bank’s portfolio monitoring, credit MI, and day-to-day credit strategy oversight across secured and unsecured lending portfolios.
This is a hands-on first line role in a small bank environment, combining analytical depth with team leadership and close engagement with stakeholders across Credit, Finance, Operations, Compliance and senior governance forums.
The role is focused on ensuring the bank has clear, timely and decision-useful insight into portfolio performance, that credit decisioning and underwriting strategies remain aligned to risk appetite and business objectives, and that the analyst team delivers high-quality analysis and MI to support effective decision-making.
Requirements
- Degree in a numerate discipline (for example Mathematics, Economics, Data Science) or equivalent relevant experience.
- Strong experience in credit risk within retail banking, consumer lending or a similar regulated lending environment, with practical exposure to portfolio monitoring, credit MI and credit strategy.
- Proven experience of analysing portfolio performance and translating data into clear insight, recommendations and actions for business and risk stakeholders.
- Experience of working with underwriting strategies, scorecards, decision rules and credit decisioning processes, including the monitoring and optimisation of strategy performance.
- Strong technical and analytical skills, including SQL and ideally Python, R or SAS, with the ability to work hands-on with data.
- Experience of leading, coaching or developing analysts, with the ability to set priorities, manage delivery and maintain high standards of output in a small team environment.
- Strong communication and stakeholder management skills, including experience of preparing and presenting MI, analysis and recommendations to senior stakeholders or committees.
- Familiarity with relevant regulatory and accounting frameworks, including IFRS9, CONC and broader retail lending governance expectations.
First Line Credit Manager in London employer: This Bank Limited
As a First Line Credit Manager at our small bank, you will thrive in a collaborative and supportive work culture that values analytical expertise and team leadership. We offer competitive benefits, opportunities for professional growth, and a chance to make a meaningful impact on our credit strategy and portfolio performance. Join us in a dynamic environment where your insights will drive decision-making and contribute to the success of our lending operations.
