Credit Risk Manager

Ecology Building Society; West Yorkshire; On-site; GBP 50,000 - 70,000; Full time

Job summary

A financial services provider in West Yorkshire is seeking an experienced Credit Risk Manager to join their Risk and Compliance department. The successful candidate will play a critical role in developing and maintaining the credit risk framework across various portfolios. This position ensures that lending practices are responsible, sustainable, and aligned with both regulatory requirements and the company's strategic goals. The company values diversity and offers a range of benefits to support employee wellbeing and development.

Benefits

25 days holiday plus Bank Holidays

8% pension contribution

Performance related pay scheme

Employee Assistance Programme

Death-in-service life insurance

Community Days

Free Parking/EV Parking

Modern Sustainable Office

Qualifications

• Experience in credit risk management and mortgage lending.
• Strong understanding of the regulatory landscape.
• Ability to shape and maintain credit risk frameworks.

Responsibilities

• Maintain and strengthen credit risk policy.
• Lead insight and assurance activities across mortgage lifecycle.
• Ensure responsible and sustainable lending practices.

Skills

Credit risk analysis

Regulatory compliance

Strategic growth

Job description

Job Overview

At Ecology, we dare to be different. We're dedicated to building a greener society by providing mortgages for properties and projects that respect the environment and support sustainable communities, funded through our range of simple, transparent savings accounts.

The Ecology team is ambitious, dynamic, and driven by our collective goal to build a greener future. We currently have an exciting opportunity for a Credit Risk Manager to join our Risk and Compliance department.

The Credit Risk Manager will play a pivotal role in shaping, maintaining, and strengthening our credit risk framework across our Residential, BTL and Commercial portfolios. This role is central to ensuring that Ecology continues to lend responsibly, sustainably, and in line with our risk appetite, regulatory expectations, and strategic growth ambitions. You will be the custodian of our credit risk policies and appetite, leading on insight and assurance activity across the mortgage lifecycle.

Benefits

• Salary. We’re committed to paying our people fairly for the role they undertake and are an accredited Living Wage employer.
• Holiday. You’ll get 25 days plus Bank Holidays, and after a qualifying period you’ll be able to purchase up to an additional 5 days leave.
• Pension. We’ll contribute 8% into your pension and you’ll contribute a minimum of 1%.
• Performance Related Pay. After a qualifying period, you’ll be included in our discretionary performance related pay scheme.
• Develop and Grow. The success of the Society is enabled by our brilliant people, and we’ll support your development and growth in your role and career.
• Wellbeing. Employees have access to our Employee Assistance Programme, with a range of health benefits and support to suit your lifestyle.
• Life Insurance. We will provide death-in-service life insurance of 4 × your basic contractual salary.
• Community Days. We encourage our colleagues to take 3 days paid leave to support community and environmental initiatives aligned to our mission.
• Free Parking/EV Parking.
• Modern Sustainable Office. Our office has a fully equipped kitchen and shower facilities, 100% renewable electricity (about 25% from rooftop solar panels), a permaculture garden, and a zero‑waste product refill station stocking locally produced, environmentally friendly cleaning products.

We are an equal opportunities employer and we are committed to promoting a diverse and inclusive community, where you can belong and succeed as your whole self. We value diversity in terms of gender, race, age, faith, disability, sexual orientation and personality and thinking style.

You can view the full job description and requirements of the role on our website: https://www.ecology.co.uk/careers/ or contact [e-mail] with any queries.