Credit Risk Manager

Credit Risk Manager – SME Banking
West Midlands | Hybrid

Risk Appetite Statement Setting, Stress Testing, Model Risk, Portfolio Analysis and Financial Risk Oversight. Join one of the UK’s most credible purpose‑led commercial banks during a major scaling phase. As a Credit Risk Manager for SME Banking, you’ll shape credit risk strategy and support sustainable commercial growth within a rapidly expanding lending book.

Reporting into the Head of Credit Risk, the Credit Risk Manager will play a key role in protecting the bank’s capital position while supporting sustainable commercial growth. You’ll work closely with underwriting, commercial and finance teams to assess and evolve risk appetite, strengthen governance frameworks, enhance lending policies, and identify emerging portfolio risks as the business continues to scale.

• Support the development of credit risk appetite, frameworks and governance Partner with commercial and underwriting teams to optimise lending decisions
• Assess acquisition and customer management strategies across SME lending portfolios
• Enhance lending policies, scoring models and credit risk frameworks
• Deliver portfolio analysis, stress testing and emerging risk insight
• Produce MI and reporting packs for senior stakeholders
• Ensure alignment with FCA, PRA and IFRS9 regulatory requirements

• 5+ years’ experience within credit risk and/or credit analysis in banking
• SME lending experience essential
• Strong analytical and data interrogation capability
• Advanced Excel and financial modelling skills
• Ability to translate technical risk analysis into commercial insight
• Pragmatic, commercially minded and intellectually curious approach

• One of the UK’s most differentiated purpose‑led lenders
• Commercial growth with genuine social impact
• Opportunity to influence risk appetite during a major scaling phase
• Strong profitability and capital strength
• More autonomy, exposure and visibility than a large incumbent bank
• ESG genuinely embedded into decision making and culture

Apply now and let’s build a better future together.