Senior Credit Manager

Aldermore Bank PLC; Reading; On-site; GBP 60,000 - 80,000; Full time

Job summary

Aldermore Bank PLC is seeking a Senior Credit Manager for their Asset Finance team in Reading. You will play a pivotal role in credit decisioning, team leadership, and policy development, ensuring high-quality underwriting across various proposals. The position offers a hybrid working model, competitive salary, and opportunities for professional growth.

Benefits

Hybrid working model

Friendly and flexible culture

Opportunities for progression

Competitive core benefits and bonus potential

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 and manage high volumes.

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.

Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave.

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