At a Glance
- Tasks: Lead credit risk assessments and collaborate with teams to enhance lending strategies.
- Company: Join a certified B Corp committed to making a positive impact.
- Benefits: Competitive salary, flexible working, and professional development opportunities.
- Other info: Dynamic work environment with a focus on collaboration and growth.
- Why this job: Be part of an innovative team driving meaningful change in investment.
- Qualifications: Experience in credit risk analysis and strong communication skills required.
The predicted salary is between 61650 - 75350 £ per year.
Since 2004, we’ve been bringing investment ideas to life and connecting capital with the right people and opportunities. Today, we manage more than £2.5 billion for a broad range of investors across five key investment strategies: Private Credit, Social Housing, Clean Heat, Energy and Venture. These strategies underpin the innovative range of investments we offer to both private (retail) and institutional clients. There are 230+ employees at Triple Point, all committed to leaving the world demonstrably better than we found it. That’s why we’re a certified B Corp, signed up to the Principles for Responsible Investment, and were named a Sunday Times 'Best Place to Work 2025 & 2026'.
The Credit & Risk team sits within the Group Risk & Compliance function and provides independent oversight across the Private Credit platform. Partnering with lending and portfolio management teams throughout the lending lifecycle, the team establishes and maintains the governance, frameworks and oversight that support consistent lending decisions, effective portfolio management and effective restructuring across all of Private Credit's lending strategies. Credit & Risk team members work collaboratively across credit underwriting, portfolio monitoring, restructuring, recoveries and assurance, providing specialist expertise across all of Private Credit's lending strategies.
Key Responsibilities
- Portfolio Review & Risk Identification
- Assist with, and ultimately take ownership of, portfolio review processes in partnership with portfolio management teams, ensuring early identification of risk and emerging trends across all lending strategies.
- Exercise delegated authority for non-material credit requests, escalating appropriately where thresholds are exceeded.
- Contribute to watchlist and early warning indicator processes, flagging deteriorating credits for further action.
- Contribute case-level input to Lessons Learnt processes, covering challenged cases, watchlist trends and emerging risk themes.
- Credit Underwriting Support & Origination Partnership
- Partner with origination teams to evaluate new lending opportunities, providing credit expertise and challenge at the appropriate stage.
- Review credit papers ahead of submission from time to time, providing a clear recommendation to Credit Committee members.
- Build strong working relationships with origination and portfolio management teams to ensure credit input is embedded early and effectively.
- Portfolio Reporting & Advisory
- Prepare and present internal reporting materials on portfolio health, performance and emerging trends for senior stakeholders.
- Provide ad-hoc credit advisory support to portfolio management teams on existing positions as needed.
- Contribute portfolio-level insight and findings into wider Credit & Risk reporting.
- Continuous Improvement
- Identify and help implement improvements to credit processes, frameworks and monitoring tools.
- Drive efficiency through automation, reporting improvements and AI-enabled workflows.
- Contribute to ad-hoc credit projects and process initiatives where required.
Experience
- Essential
- Significant experience in credit risk, credit analysis or portfolio management within a lending, private credit, or credit advisory environment.
- Strong financial analysis and credit assessment skills, with the ability to review and challenge credit papers and identify key risks.
- Experience with portfolio monitoring or review processes, including identifying early signs of credit deterioration.
- Comfortable exercising judgement and holding delegated authority for credit decisions within defined parameters.
- Excellent written and verbal communication skills, with the ability to prepare clear reporting materials and provide credit recommendations to stakeholders.
- Educated to degree level.
- Proven ability to work autonomously, build effective relationships across teams, and constructively challenge origination and portfolio management colleagues.
- Desirable
- Specific experience in private credit, alternative lending or direct lending (as opposed to traditional bank lending).
- Exposure to mid-market/SME lending; familiarity with wholesale lending structures.
- Experience with watchlist frameworks, early warning indicators, or provisioning/impairment processes.
- Experience designing or improving credit risk frameworks, monitoring tools or reporting processes.
- Experience using or implementing AI-enabled tools in a credit or risk context.
- Familiarity with credit documentation and risk rating tools is advantageous.
Personal Qualities:
- Analytical and detail-oriented, with sound judgement when reviewing credit papers and portfolio data.
- Confident exercising independent judgement within delegated authority, and clear about when to escalate.
- A constructive challenger, able to provide credit input and push back on origination or portfolio management colleagues diplomatically but firmly.
- Collaborative, building strong working relationships across origination, portfolio management and Credit & Risk.
- Clear communicator, able to distil portfolio trends and risk into reporting that's useful to senior stakeholders.
- Organised, with the ability to manage multiple portfolio reviews and reporting deadlines concurrently.
- Curious and proactive, with a genuine interest in improving credit processes rather than just following them.
- Comfortable with change, particularly given this role is expected to grow in scope and ownership over time.
Why Join us?
- You’ll join a talented, collaborative team in a connected environment where ideas and initiative are valued.
- Be part of a growing and innovative team.
- We offer a competitive salary, a comprehensive benefits package, and genuine opportunities for growth and progression.
- Opportunities for professional development and career progression.
- At Triple Point, high performance means living our values every day: Stay Curious. Be Generous. Take Thoughtful Action. Pull Together. Own It.
- In line with our values Stay Curious and Take Thoughtful Action every employee has access to AI tools. We see technology as a co-pilot, helping us improve efficiency and insight while keeping decisions grounded in thoughtful human judgement.
- Triple Point offers a wealth of benefits including a contributory pension, hybrid/flexible working and ongoing learning and development opportunities.
- Triple Point is dedicated to providing fair and equal opportunities for all individuals, including both current and potential employees. Discrimination of any kind based on factors such as age, disability, gender, sexual orientation, pregnancy, race, ethnicity, religion, gender identity, or marital status is not tolerated by the company.
- Our aim is to create a welcoming and diverse work environment where people from all walks of life feel valued and supported. We actively encourage individuals from various backgrounds to apply for job vacancies and become part of our team.
Associate Director - Credit employer: Triplepointllp
At Triple Point, we pride ourselves on being a certified B Corp and a Sunday Times 'Best Place to Work 2025 & 2026', offering a vibrant work culture that values collaboration, innovation, and personal growth. As a Senior Equity Finance Manager, you'll be part of a dedicated team where your contributions are recognised, and you'll have access to comprehensive benefits, flexible working arrangements, and opportunities for professional development in a supportive environment. Join us in making a meaningful impact while advancing your career in the heart of a dynamic investment firm.
StudySmarter Expert Advice🤫
We think this is how you could land Associate Director - Credit
✨Tap into Campus Networks
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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 Triplepointllp. 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 Associate Director - Credit
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 Triplepointllp.
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 Triplepointllp'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 Triplepointllp
✨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 Triplepointllp.
✨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 Triplepointllp 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 Triplepointllp 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.
