Business Financial Difficulties Risk Manager

Lloyds Bank plc; Birmingham; Hybrid; GBP 59,000 - 73,000; Full time

Job summary

Lloyds Bank is seeking a Local Support Risk Manager to oversee the integration of Customers in Financial Difficulty processes. This role requires strong analytical skills and the ability to collaborate with various teams, enhancing efficiencies and ensuring adherence to policies while supporting our customers.

Benefits

Generous pension contribution of up to 15%

Annual performance-related bonus

Share schemes including free shares

30 days' holiday plus bank holidays

Wellbeing initiatives and generous parental leave policies

Qualifications

• Technical expertise in CIFD processes.
• Excellent communication skills.
• Analytical abilities to review metrics.

Responsibilities

• Lead CIFD process integration and improvements.
• Provide oversight and coaching to relationship teams.
• Monitor and control CIFD efficiency.

Skills

Analytical Skills

Communication & Impact

Team Working

Self-Motivation

Job description

End Date
Sunday 27 July 2025

Salary Range
£0 - £0

We support flexible working - click here for more information on flexible working options

Flexible Working Options
Hybrid Working, Job Share

Job Description Summary

Job Description

JOB TITLE: Local Support Risk Manager / Business Financial Difficulties Risk Manager

SALARY: £59,000 - £73,000 (dependent on experience)

LOCATIONS: Birmingham / Bristol

HOURS: Full-Time

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites

About This Opportunity

An exciting role supporting and oversighting the Customers in Financial Difficulty (CIFD) journey within our Business & Commercial Banking Financial Wellbeing Team.

Collaborate with Regional Directors (RD), Area Directors (AD), and Relationship Managers (RM) to lead all aspects of ensuring successful CIFD process integration.

This is a National/Regional role that offers the flexibility to work in an agile manner, maximising efficiency and driving value into the business. If you're passionate about making a difference and have the skills to lead and influence, we want to hear from you.

Key Responsibilities:

• Be an expert and point of contact for all CIFD and Local Support related activities within a Region.
• Identify Local Support process improvements with implementation to drive efficiencies and improve process controls.
• Implement CIFD standard methodologies such as early identification, quality interactions, and meeting preparation.
• Drive the right RM CIFD Culture and Behaviours. Design, embed, and maintain a cultural shift that will drive the appropriate RM behaviours to ensure the best possible outcomes for CIFD clients.
• Provide oversight of the relationship teams during the client journey through financial difficulty.
• Provide the RD and AD with Risk Oversight documentation. Support AD in Risk Coaching. Improve Relationship Manager capabilities.
• Ongoing monitoring and control efficiency of CIFD in SME - incl. governance & audit requirements.
• Ensure activities align with internal and external policies, standards, reporting, legal, statutory and/or regulatory requirements.
• Undertake regular oversight of National/Regional CIFD metrics, identifying emerging trends and influencing others to take action to address issues.

What You'll Need

• CIFD Technical Expertise: Be the regional expert and point of contact on the CIFD agenda.
• Analytical Skills: Review and coordinate CIFD metrics, identifying emerging trends, and understanding actions required.
• Communication & Impact: Excellent communicator demonstrating the ability to influence with integrity and trust. Ensures complex messages are understood, actions are fully defined, and new processes are embedded.
• Knowledge of Product & Service: Understand the products and services of SME propositions.
• Team Working: Play a proactive role in their team and virtual teams (where appropriate) to support colleagues in meeting the goals of LBG.
• Self-Motivation: Display a "can do" attitude and dedication to delivering for clients and LBG to the best of your ability. Look for ways to exceed expectations and take personal pride in overcoming challenges.

About Us

Like the modern Britain we serve, we're evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We're growing with purpose. Join us on our journey and you will too...

About Working For Us

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we're committed to creating an environment in which everyone can thrive, learn and develop.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 30 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Ready to start growing with purpose? Apply today.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.