Lead SME Credit Risk Manager

Metro Bank (UK); London; Hybrid; GBP 70,000 - 100,000; Full time

Job summary

Metro Bank (UK) is seeking a Lead SME Credit Risk Manager to enhance credit risk strategies for SME products. This role involves collaborating with stakeholders to embed credit risk into consumer lending, ensuring compliance with standards, and driving insights through data analysis. The ideal candidate will have extensive experience in credit risk management within the UK SME market and a commitment to fostering a diverse and inclusive workplace.

Benefits

Generous holiday allowance

Attractive pension scheme

Healthcare

Life assurance

Colleague discounts

Qualifications

• Expertise in credit risk management and best practices for consumer lending.
• Experience in the UK SME market and understanding of credit risk lifecycle.
• Knowledge of Credit Reference Agency (CRA) data.

Responsibilities

• Define and refine credit risk strategies for SME products.
• Maintain credit risk standards and governance processes.
• Develop portfolio MI to provide performance insights.

Skills

Credit Risk Management

Data Analysis

Stakeholder Management

Problem Solving

Education

Degree in Finance or related field

Job description

Join to apply for the Lead SME Credit Risk Manager role at Metro Bank (UK)

Join to apply for the Lead SME Credit Risk Manager role at Metro Bank (UK)

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We have been awarded the “Most Loved Workplace”! At Metro Bank, people come first – our culture is all about bringing the best out in our colleagues, and making sure everyone feels valued, respected, seen and included. We strongly believe in a diverse and inclusive workplace and to find the very best person for the job, we always look across a wide range of diverse communities.

What You Will Do

• Act as a subject matter expert for stakeholders across the business helping to deploy and maintain effective credit risk strategies to embed credit risk into the DNA of consumer lending products specifically the SME products
• Define and refine credit risk strategies for new business acquisition and portfolio management through data
• Maintain the credit risk standards, procedures and governance processes
• Develop and review portfolio MI to drive value added insight and activity, providing evidential performance updates to governance forums and recommendations for change
• Highlight risks and identify opportunities on business proposals
• Help shape and maintain portfolio risk appetite metrics, produce ad-hoc analysis to support on existing and future lending
• Assist with the creation of new lending products and improved customer journeys
• Assist Head of SME Credit with Credit Risk Committee responsibilities, in line with the Credit Risk Committee Governance Policy
• Manage the day-to-day credit risk relationships with the Product function and Second Line Credit Risk function to support timely oversight and assurance activities
• Deliver business objectives through a network of stakeholders including tech, product, distribution, IT and 2nd Line Credit Risk
• Promote a culture of risk awareness
• Hold key stakeholders to account for deliverables constructively
  
  

And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the ability to call out any concerns.

What You Will Need

• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• Specialised expert with detailed knowledge of credit risk management and best practice applied to consumer lending and ideally specialising in SME
• Detailed understanding and experience of the standard credit risk lifecycle, ideally within the UK SME market
• Understanding and application of sector wide standards and issues involved in the running a business, and the key financial drivers
• Able to problem solve, to see the bigger picture and understand how risk choices impact the rest of the Bank
• Detailed Knowledge of Credit Reference Agency (CRA) data, preferably Experian credit bureau data
• Aware of business trends and legal/regulatory changes (e.g. CONC/CCA/Consumer Duty)
  
  

Our promise to you…

• 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!).
• 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.
  
  

Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Banking

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