Head of Credit Risk Transformation

Metro Bank; Camden Town; Hybrid; GBP 110,000 - 150,000; Full time

Benefits offered by this job

Generous holiday allowance

Attractive pension scheme

Healthcare

Life assurance

Colleague discounts

Training and internal progression

Job summary

Metro Bank is seeking a senior leader to shape and drive the Credit Risk transformation strategy, aligning with risk appetite, regulatory obligations and strategic objectives. You will define end-to-end outcomes, prioritise requirements across policy, models, data, technology and customer journeys, and provide leadership across multi-disciplinary teams.

You will advise the Chief Credit Officer on material strategic, risk, investment and prioritisation matters, while ensuring continuous

Qualifications

• Extensive experience leading Credit Risk, Lending or Decisioning transformation.
• Deep expertise in credit risk management, including policy, strategy, models and data.
• Proven ability to define target capabilities and roadmaps across policy, models and customer journeys.
• Strong executive influencing and leadership across multidisciplinary teams.

Responsibilities

• Define the Credit Risk transformation strategy, target decisioning capability and roadmap.
• Set out end-to-end transformation outcomes including automation and customer outcomes.
• Provide functional leadership across programme teams, consultants and technology partners.
• Advise the Chief Credit Officer on material strategic, risk and investment matters and governance.
• Provide independent challenge to ensure alignment with lending policy, risk appetite and controls.

Skills

Credit risk leadership

Executive stakeholder management

Strategy and roadmapping

Regulatory and risk governance

Decisioning and automation

Programme delivery leadership

Tools

Credit risk systems

Decision engines

Data and models governance

Job description

• Work with the Chief Credit Officer to define the Credit Risk transformation strategy, target decisioning capability and roadmap, aligned with risk appetite, regulatory obligations and strategic objectives
• Set out end-to-end Credit Risk transformation outcomes and benefits, including decision effectiveness, automation, controls, operational efficiency and customer outcomes
• Define and prioritise Credit Risk requirements and design principles across policy, strategy, models, data, technology, operations and customer journeys
• Provide functional leadership across multidisciplinary teams, programme colleagues, consultants and technology partners, setting direction, resolving dependencies an assuring delivery quality
• Advise the Chief Credit Officer on material strategic, risk, investment and prioritisation matters, while representing Credit Risk within executive and programme governance
• Provide independent challenge and assurance to ensure solutions remain aligned with lending policy, risk appetite, regulatory obligations and control requirements
• Anticipate regulatory, market, portfolio and technology developments, translating these into future capability and investment priorities, with clear measures and reporting on delivery, benefits, risk exposure and strategic outcomes
• Extensive experience leading complex, business-critical Credit Risk, Lending or Decisioning transformation within banking or financial services, from strategy through to end-to-end delivery
• Deep expertise in credit risk management, including lending policy, credit strategy, risk appetite, models, data, portfolio management and the UK banking regulatory environment
• Proven ability to define target capabilities, operating models and strategic roadmaps across policy, models, data, technology, operations and customer journeys
• Strong understanding of credit risk systems, decision engines and automation, including model, data, testing, implementation, control and governance requirements supporting lending decisions
• Demonstrable leadership across multidisciplinary and matrix teams, including senior specialists, programme colleagues, consultants and technology partners, with the ability to navigate ambiguity and complex dependencies
• Strong executive influencing, negotiation and decision-making skills, with the judgement to constructively challenge and advise senior leaders on material risk, investment and prioritisation decisions
• Proven ability to establish effective governance, accountability and measures of success, delivering measurable improvements across decision effectiveness, automation, controls, operational efficiency and customer outcomes
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts!
• We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!)

At Metro Bank, we believe the best banking experience starts with people who genuinely care. We're not just delivering banking services - we're building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long-standing relationships. We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.