Head of Securitisation & Non-Bank Financial Institutions Credit

Lloyds Banking Group; Greater London; Hybrid; GBP 125,000 - 150,000; Full time

Job summary

A prominent banking institution in London is looking for a Head of Securitisation & Non-Bank Financial Institutions Credit. This role involves leading a team of Credit Officers, setting sector strategies, and optimizing portfolios. The ideal candidate will have significant experience in related fields, hold senior credit authority, and present effectively at board level. The position offers a hybrid working model and a generous benefits package, including a pension contribution, annual bonuses, and 30 days of holiday.

Benefits

Generous pension contribution of up to 15%

Annual discretionary performance-related bonus

Share schemes including free shares

Discounted shopping benefits

30 days holiday plus bank holidays

Wellbeing initiatives and generous parental leave policies

Qualifications

• Significant experience across Securitisation, Specialist Finance, Clearing Houses, Exchanges and Intermediaries.
• Held senior Credit Authority in past roles and has formally led credit teams.
• Experience in leading reviews and meetings with regulators.
• Experience of presenting at Board level.

Responsibilities

• Inspire and lead team of Credit Officers in managing the portfolio.
• Design and deliver Sector Strategies, Credit Policies, and Processes.
• Support and constructively challenge business for long-term growth.
• Monitor and lead portfolio discussions with Coverage partners.

Skills

Experience in Securitisation

Senior Credit Authority

Regulatory reviews

Board level presentations

Performance management

Securitisation products knowledge

Negotiation skills

Client due diligence

Independent decision making

Change management

Relationship building

Job description

End Date

Saturday 27 December 2025

Salary Range

£0 - £0

Flexible Working Options

Hybrid Working

Job Description Summary

JOB TITLE: Head of Securitisation & Non-Bank Financial Institutions Credit

LOCATION(S): London

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

Our continued commitment to helping Britain prosper means that as a colleague you can make a difference to customers, businesses and communities.

Together we have a key role to play in shaping the bank of the future, whilst the scale and reach of our Group means you'll continue to have opportunities to learn, grow and develop.

Job Description

About this opportunity!

As Head of Securitisation & Specialist Non-Bank Financial Institutions Credit, you'll get to inspire and lead the team of Credit Officers who look after this exciting and growing portfolio which includes Securitisation, Specialist Finance, Clearing Houses, Exchanges and Intermediaries. You get to design and deliver Sector Strategies, Credit Policies and Processes to help manage your portfolio. You'll support and constructively challenge the business to build a long-term business.

We're looking for a trusted business partner who can be a role model across FI Credit and build strong relationships with key partners. As a senior leader within the team, you will have great development opportunity in your role supporting the Credit and Business teams in resolving issues across all FI Credit sectors.

FI Credit is a fun and exciting place to work. We're a friendly bunch, very curious, and we love asking lots of questions. We love to challenge existing ways of working and are always looking for ways to simplify and automate things, so we can focus on what matters. We collaborate closely with Coverage and Product teams and see ourselves as business enablers. We’re passionate about risk management, and we want to support our business partners to build a sustainable business with strong and long-term client relationships.

We're passionate about our people, and we have a huge focus on empowerment, career progression, learning & development, agility and work-life balance. You will have the opportunity to contribute your knowledge and experience across all the portfolios in the team too, which includes Banks & Intra-group, Insurance, Fund Finance, Asset Managers & Wealth, Hedge Funds, and Sovereigns.

You’ll be empowered to set the Sector Strategies and Risk-Appetite for your portfolio and lead regular portfolio monitoring and oversight discussions with our Coverage partners. You'll be trusted to take decisions with a sizeable, delegated credit authority. Please note, the holder of this position will act as a Material Risk Taker (MRT).

Experience wise, we’re looking for someone who has:

• Significant experience across Securitisation, Specialist Finance, Clearing Houses, Exchanges and Intermediaries.
• Held senior Credit Authority in past roles and has formally led credit teams.
• Experience in leading reviews and meetings with regulators.
• Experience of presenting at Board level.
• An excitement for presenting at Town Halls and large colleague forums.
• Experience of structured performance management of team members.
• Sound knowledge of the key portfolio sectors that you'll be leading including sector trends, horizon risks and regulation.
• Excellent product knowledge of Securitisation lending structures and derivatives.
• Experience in negotiating lending, derivatives and Securitisation documentation.
• Led client due diligence calls and managed work-out cases.
• Track-record in independent decision making and is able to communicate succinctly and efficiently in a clear and unambiguous manner.
• A passion for change, automation and simplification.
• A real excitement for supporting and promoting team members ensuring all team members have time for personal development, up-skilling and cross training.
• Great social skills and is keen to build trusted relationships with business partners.

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

• A generous pension contribution of up to 15%
• An annual discretionary 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

About working for us!

We're focused on creating a values-led culture, and our approach to inclusion and diversity means that we all have the opportunity to make a real difference, together. We'll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

So if you have the skills we’re seeking and you’re looking for your next step, we’d love to hear from you.

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.