Commercial Lending Credit Risk Oversight Lead Manager

Yorkshire Building Society; Leeds; On-site; GBP 90,000 - 120,000; Full time

Benefits offered by this job

Holiday 25 days + BH

Bonus up to 15%

Pension contribution up to 11%

Private medical insurance

Job summary

Yorkshire Building Society is seeking a Commercial Credit Risk Oversight Lead Manager to drive the oversight strategy for Commercial Lending Credit Risk. You will engage with senior leaders, influence critical decisions, and provide independent challenge while maintaining hands-on risk oversight.

You will shape quality assurance activities, foster cross-functional collaboration, and mentor colleagues to strengthen risk governance across the organisation.

Qualifications

• Extensive experience in Commercial Lending Credit Risk in either risk line.
• Ability to influence senior stakeholders including Directors and Chiefs.
• Strong communication skills to convey complex risk clearly.
• Capable of providing independent challenge to risk decisions.

Responsibilities

• Lead annual planning and delivery of the Commercial Credit Risk Oversight strategy.
• Set strategic direction for Commercial Lending Quality Assurance activities.
• Attend and contribute to the Commercial Lending Credit Risk Committee with insights.
• Build relationships with senior stakeholders to ensure risks are understood and managed.
• Share knowledge and coach colleagues across the organisation.

Skills

Commercial lending risk experience

Stakeholder influence

Clear communication

Independent challenge

Job description

Commercial Credit Risk Oversight Lead Manager

We're looking for a Commercial Credit Risk Oversight Lead Manager to join our Prudential Risk team. This is an exciting opportunity to play a key role’ in shaping the Society's approach to Commercial Lending Credit Risk, providing independent oversight, insight and challenge across one of our most important risk areas.

Working within our Second Line of Defence, you'll have significant exposure to senior stakeholders across the organisation, partnering with Directors, Chiefs and Senior Leaders to influence decisions, provide constructive challenge and help shape the future direction of Commercial Lending Credit Risk. This is a highly visible role that offers the opportunity to contribute strategically while maintaining a hands‑on focus on risk oversight and assurance.

About the Role

• Leading the annual planning and delivery of the Commercial Credit Risk Oversight strategy and plan.
• Setting the strategic direction for the Commercial Lending Quality Assurance function, ensuring oversight activities remain focused on the areas of greatest risk and value.
• Attending and contributing to the Commercial Lending Credit Risk Committee, providing independent insight, challenge and recommendations to support effective decision making.
• Building strong relationships with senior stakeholders across the business, influencing decisions and helping ensure Commercial Lending risks are understood, appropriately managed and aligned to risk appetite.
• Sharing knowledge and expertise across the organisation, supporting the development of colleagues through coaching and technical guidance.

About You

To be successful in this role we need the successful person to have:

• Significant experience within Commercial Lending Credit Risk, whether gained in a first or second line risk environment.
• The ability to build trusted relationships and influence senior stakeholders, including Directors and Chiefs.
• Strong communication skills, with the ability to translate complex risk issues into clear and impactful messages.
• Experience of providing independent challenge, helping organisations make informed and balanced risk decisions.

About us

At YBS we don’t have shareholders, we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewarding career.

Flexibility.

We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you. We’re happy to talk flexible working and you can reach out to us anytime to discuss this during the recruitment process.

Development.

We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.

Inclusivity.

We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.

About our Benefits

We offer lots of fantastic rewards that you can make the most of in and out of work, including:

• Holiday. You’ll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.
• Bonus. At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).
• Pension. We know how important it is to save towards the future, that’s why we’ll contribute up 11% into your YBS pension.
• Healthcare. Health and wellbeing are an important part of life at YBS, when you join us you’ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.
• My Benefits. When you join YBS you’ll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts.