Senior Credit Manager

Aldermore Bank; Reading; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

Aldermore Bank seeks a Senior Credit Manager to join their Asset Finance team. You'll be responsible for overseeing credit proposals, guiding a team, and shaping credit policy in a hybrid working environment. The role focuses on ensuring high-quality underwriting and continuous improvement while engaging with various stakeholders.

Benefits

Discretionary bonus scheme

Aviva Digital GP

Employee Assistance Programme

Eyecare Voucher & Display Screens/Desk Set-Up

Group Income Protection

Life Assurance

Microsoft Discounts

Private Medical Insurance Shopping Discounts

Qualifications

• Extensive Asset Finance experience, particularly in B2B lending and complex credit environments.
• Proven credit underwriting expertise with a personal delegated mandate.
• Demonstrated ability to lead teams, manage high volumes, and meet tight SLAs.

Responsibilities

• Assess and approve new business proposals within your authority.
• Help shape and refine credit strategy, policy, and automation.
• Lead, coach, and develop team members through 1-2-1s and performance reviews.

Skills

Analytical skills

Negotiation

Stakeholder management

Job description

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We’re Aldermore – the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it.

We thrive by saying “yes” to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car, van or motorbike.

This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.

Let us tell you a bit about the opportunity

As part of our Credit team, you’ll help protect the bank from bad debt through responsible lending in line with Aldermore’s Lending Policy and Group Risk Framework. You’ll lead a team of underwriters, supporting the Head of Credit by overseeing proposals between £25k and £3m, ensuring consistent, high-quality decisions.

You'll also engage confidently with internal and external stakeholders, always demonstrating a positive, solutions-focused approach.

To act as an ambassador of the Bank’s vision to; Back more people to go for it in life and in business.

What will your day look like?

We're looking for a Senior Credit Manager to join our Asset Finance team, focusing on flow & specialist car proposals (£25k–£3m). You’ll play a key role in credit decisioning, shaping credit policy, and leading a small team to ensure high-quality underwriting and continuous improvement.

Key responsibilities:

• Assess and approve new business proposals within your authority
• Help shape and refine credit strategy, policy, and automation
• Lead, coach, and develop team members through 1-2-1s and performance reviews
• Build strong relationships with internal teams and our broker panel
• Collaborate with Asset Management to assess asset and transaction risk
• Support ad hoc projects and continuous process improvement

What do we expect from you?

• Extensive Asset Finance experience, particularly in B2B lending and complex credit environments
• Proven credit underwriting expertise with a personal delegated mandate
• Strong analytical skills with experience presenting high-value proposals to Credit Committee
• Demonstrated ability to lead teams, manage high volumes, and meet tight SLAs
• Skilled in negotiation, stakeholder management, and delivering solutions

What can you expect from us?

• Hybrid working model – 2 days in the office, 3 days from home
• A friendly and flexible culture, the same as how we work with our customers.
• A growing organisation that means there’s lots of opportunities to progress
• A drive for continuous improvement, which you will be empowered to get behind from day one.
• And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.

Please note that we have a thorough referencing process, which includes criminal record checks.

Behaviour Framework

Our behavioural framework underpins our purpose and strategic drivers, as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions, Relationships That Last and Progressive Platform) outline what we need to do to succeed, our behaviours guide us in how. In your second interview, we’ll ask you to talk through some examples where you’ve demonstrated these behaviours in your previous roles.

The Benefits

As you would expect, we offer a competitive basic salary and reward package, and you’ll also benefit from our commitment to investing in your professional development throughout your journey with us.

Benefits vary across the business depending on the role you do, but these will give you an idea of what to expect:

• Discretionary bonus scheme
• Aviva Digital GP
• Employee Assistance Programme
• Eyecare Voucher & Display Screens/Desk Set-Up
• Group Income Protection
• Life Assurance
• Microsoft Discounts
• Private Medical Insurance Shopping Discounts