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- Tasks: Lead a team managing high-risk SME loans and represent the organization in key discussions.
- Company: Join a forward-thinking organization focused on innovation and economic impact in finance.
- Benefits: Enjoy remote work flexibility with occasional meetings, plus opportunities for professional growth.
- Why this job: Make a real impact on SMEs while shaping financial policies and strategies.
- Qualifications: Experience in SME lending or investment is essential; leadership skills are a must.
- Other info: We value diversity and encourage applications from all backgrounds.
The predicted salary is between 43200 - 72000 £ per year.
We are seeking a Deputy Director, Credit Risk & Portfolio Management to lead the Credit and Portfolio functions. This role involves representing the Directorate in policy and funding discussions with internal and external stakeholders, including government and the wider public. You will manage a team of 10 credit and investment specialists and 8 debt portfolio management experts, overseeing a portfolio of high-risk SME loans with mezzanine and structured finance features. The role includes personal delegation authority for credit, investment, arrears, default, and recovery decisions, as well as any devolved delegations as required.
The ideal candidate will have experience in SME lending or investment within a fund, banking, or alternative finance environment. They must demonstrate the ability to balance innovation objectives and economic impact while maintaining a risk/reward profile aligned with the organisation’s risk appetite. Experience working with senior government stakeholders, shaping policy within Subsidy Control regulations and Managing Public Money frameworks, is essential. Expertise in launching large-scale financial products across public and private sectors, assessing customer needs, and developing risk and finance strategies is highly desirable.
Location: Remote working – with some ad hoc meetings in SW Region
Key Responsibilities and Accountabilities:
- Lead a team of 10 credit and investment specialists and 8 debt portfolio management experts to build and manage a portfolio of high risk, SME loans with mezzanine/structured finance features and controls.
- Operate a personal delegation for credit, investment and arrears, default and recovery decisions, and any devolved delegation as required.
- Act as the technical expert in credit and portfolio management, as part of the wider risk, assurance and governance architecture of the organisation.
- Provide thought leadership in key public forums and expert representation in key government forums as part of the senior management team.
- Attend Credit Committee as an executive member, offering professional opinion and insight to reach decisions alongside executive and independent members.
Key Requirements:
- Qualified or demonstrating substantial equivalent experience in SME lending and/or investment decisions, in a fund, banking or alternative finance environment.
- Experience in originating and maintaining a portfolio of SME loan assets as a (stretched-) senior and/or mezzanine/structured finance lender.
- Proven track record in building, maintaining and leading a high performing team across several technical disciplines through consensus-building, empowerment and coaching.
- Willingness and ability to flex mindset to deliver a portfolio which delivers on the innovation objectives and economic impact of the programme while achieving an overall balance of risk/reward consistent with the risk appetite.
- Experience of working with senior government stakeholders, developing and implementing policy initiatives in the context of Subsidy Control regulation and Managing Public Money contexts.
- Experience in launching new financial products in the public/private sectors at scale, analysing and determining customer requirements and developing appropriate risk and finance strategies.
- Evidence of having helped UK SMEs grow through new products and/or markets.
- Understanding of fair value accounting in the context of IFRS9, including benchmarking of loan assets against industry standard models through the credit cycle.
- Experience in working directly with clients, managing expectations and providing constructive feedback on credit decisions.
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Deputy Director Credit Risk & Portfolio Management employer: Triumph Consultants Ltd
Contact Detail:
Triumph Consultants Ltd Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Deputy Director Credit Risk & Portfolio Management
✨Tip Number 1
Familiarize yourself with the latest trends in SME lending and structured finance. Understanding current market dynamics will help you engage effectively in discussions with stakeholders and demonstrate your expertise during interviews.
✨Tip Number 2
Network with professionals in the credit risk and portfolio management space. Attend industry events or webinars to connect with potential colleagues and gain insights into the challenges and innovations in the field.
✨Tip Number 3
Prepare to discuss your experience with government stakeholders and policy development. Be ready to share specific examples of how you've shaped policies or initiatives in line with Subsidy Control regulations.
✨Tip Number 4
Highlight your leadership skills by preparing examples of how you've built and managed high-performing teams. Focus on your approach to consensus-building and coaching, as these are key aspects of the role.
We think you need these skills to ace Deputy Director Credit Risk & Portfolio Management
Some tips for your application 🫡
Understand the Role: Take the time to thoroughly read the job description. Understand the key responsibilities and requirements, especially the emphasis on SME lending and experience with government stakeholders.
Tailor Your CV: Customize your CV to highlight relevant experience in credit risk, portfolio management, and team leadership. Make sure to include specific examples of your work with high-risk SME loans and any relevant financial products you've launched.
Craft a Compelling Cover Letter: Write a cover letter that connects your background to the role. Emphasize your experience in managing teams, developing policies, and your understanding of risk/reward profiles. Show how you can contribute to the organization's objectives.
Highlight Relevant Skills: In your application, make sure to showcase skills that align with the job requirements, such as your ability to balance innovation with economic impact, and your experience in working with senior government stakeholders.
How to prepare for a job interview at Triumph Consultants Ltd
✨Showcase Your Leadership Skills
As a Deputy Director, you'll be leading a team of specialists. Be prepared to discuss your leadership style and provide examples of how you've successfully built and managed high-performing teams in the past.
✨Demonstrate Your Technical Expertise
This role requires a deep understanding of credit and portfolio management. Be ready to discuss your experience with SME lending, structured finance, and how you've navigated complex financial products in previous roles.
✨Engage with Policy Knowledge
Since you'll be representing the Directorate in policy discussions, familiarize yourself with relevant regulations like Subsidy Control and Managing Public Money. Prepare to discuss how you've shaped policy initiatives in your past experiences.
✨Prepare for Stakeholder Interaction
You'll be working with senior government stakeholders, so practice articulating your thoughts clearly and confidently. Think of examples where you've successfully managed expectations and provided constructive feedback in similar contexts.
