Strategic Commercial Credit Risk Lead

Ford Credit; Dunton; On-site; GBP 90,000 - 130,000; Full time

Job summary

Ford Credit in the United Kingdom seeks a Commercial Credit Risk Manager to shape the risk strategy for sole traders, SMEs and fleet customers across the full credit lifecycle. You will design underwriting standards, loss prevention frameworks and fraud controls to support sustainable growth of the commercial book.

The role covers governance, dealer floorplan oversight, portfolio analytics and regulatory classification, with leadership responsibility for a risk team and collaboration with

Qualifications

• First line commercial credit risk experience across sole traders, SMEs, and multi-vehicle/fleet customers.
• Track record developing underwriting guidelines and credit proposal assessments, including commercial lines of credit.
• Strong financial/credit analysis skills (business financials, cash flow, guarantor assessment, external research).
• Strong working knowledge of EBA and PRA credit risk classification requirements, including default, forbearance and non-performing exposure rules.
• Analytical, data-driven mindset; excellent communication skills with senior leaders, Board members, and stakeholders.

Responsibilities

• Design and maintain underwriting policies, decisioning frameworks, and credit risk appetite for sole trader, SME, and fleet/multi-vehicle segments, including commercial line of credit limit-setting and utilisation management.
• Assess creditworthiness of commercial counterparties (business financials, cash flow, guarantors, external data); oversee complex credit proposals and Credit Committee participation.
• Monitor portfolio performance and KRIs/KPIs by commercial segment; identify emerging risks and adjust strategy accordingly.
• Design loss mitigation, collections, and recovery approaches suited to commercial relationships.
• Deliver forecasting/scenario analysis and portfolio insights to senior management and governance committees.
• Oversee credit risk on Ford dealer wholesale/floorplan financing, including dealer credit line setting, renewal, and ongoing exposure monitoring.
• Monitor dealer financial health and elevate early warning indicators through governance channels.
• Maintain oversight of dealer concentration risk and floorplan portfolio quality.
• Maintain second line assurance and oversight of first-line commercial lending activity, including policy exceptions and controls.
• Implement fraud detection/prevention frameworks for commercial applications.

Skills

Commercial credit risk experience

Financial/credit analysis

Data-driven analytics

Communication with senior leaders

Job description

Ford Credit in the United Kingdom seeks a Commercial Credit Risk Manager to shape the risk strategy for sole traders, SMEs and fleet customers across the full credit lifecycle. You will design underwriting standards, loss prevention frameworks and fraud controls to support sustainable growth of the commercial book.

The role covers governance, dealer floorplan oversight, portfolio analytics and regulatory classification, with leadership responsibility for a risk team and collaboration with