K3575 – Flow Credit Team Leader – UK, Greater London / Surrey (Hybrid) – Asset Finance

New Leaf Search Ltd.; England; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A leading financial services recruitment firm is seeking a Flow Credit Team Leader in the Greater London / Surrey area. You will supervise the Flow Credit team, evaluate small-ticket credit proposals, and ensure compliance with relevant regulations. The ideal candidate has 3-5 years of credit experience, strong analytical skills, and excellent communication abilities. This hybrid role offers an attractive salary and a £500 referral bonus for successful recommendations.

Benefits

Referral Bonus of £500

Flexible working conditions

Qualifications

• 3–5 years’ credit experience, including financial statement analysis and underwriting.
• Capability in leading and developing team members.
• Excellent analytical skills with sound commercial judgement.
• Strong communication skills at all levels.
• High integrity and commitment to Treating Customers Fairly.

Responsibilities

• Supervise the Flow Credit team, allocating and prioritizing deal queues.
• Evaluate and underwrite small-ticket credit proposals.
• Analyse financial statements and produce balanced credit recommendations.
• Ensure compliance with regulations.
• Oversee periodic reviews of existing customer exposures.
• Attend business screening meetings and coordinate the credit process.

Skills

Credit analysis

Team leadership

Analytical skills

Communication

Knowledge of asset finance products

Tools

Microsoft Word

Microsoft Excel

Job description

New Leaf Search has partnered with a leading European financial services group in its search for a Flow Credit Team Leader.

Excellent salary, bonus and benefits. Location: UK, Greater London / Surrey (Hybrid).

Key Accountabilities

• Lead day-to-day supervision of the Flow Credit team, ensuring effective allocation and prioritisation of deal queues.

• Evaluate and underwrite small-ticket credit proposals across all channels, aligned with policies, mandates and governance standards.

• Analyse financial statements, market reports and collateral curves; produce clear and commercially balanced credit recommendations.

• Exercise personal sanctioning authority and prepare recommendations for cases outside mandate.

• Ensure compliance with Consumer Credit, TCF, AML and Data Protection regulations.

• Oversee periodic reviews of existing customer exposures, including payment performance and collateral reassessment.

• Maintain accurate data across risk systems and ensure all credit reports are completed within SLA.

• Attend business screening meetings, providing provisional risk commentary and coordinating the credit process with front office teams.

• Identify training needs within the team; coach, mentor and support Risk Managers through regular one-to-ones.

• Perform monthly audits of team credit decisions, ensuring alignment with appetite and governance.

• Deputise for the Head of Flow, including attendance at NBR forums and supporting reporting activity.

• Contribute to continuous improvement of processes, efficiencies and risk management practices.

Person Specification

• 3–5 years’ credit experience, including analysis of financial statements and underwriting across varied sectors.

• Strong capability in leading, coaching and developing team members in a credit/risk environment.

• Excellent analytical skills with sound commercial judgement.

• Strong communication skills—clear, concise and confident at all levels.

• Deep knowledge of asset finance products, small-ticket credit, unsecured and structured lending.

• Proficient in Microsoft Word and Excel; professional, organised and self-disciplined.

• High integrity and commitment to Treating Customers Fairly.

We strongly favour applicants with proven, relevant experience in Financial Services; particularly Asset Finance and Leasing.
You will also require relevant IN-COUNTRY experience; without which, your application will NOT be considered.

📩 Apply in confidence by sending your CV.
Referral Bonus: £500 if you recommend someone we place!