Credit Risk Manager | S3 | Corporate Credit Risk - Portfolio Management Internal Mobility

Country:
United Kingdom

Santander () is evolving from a global, high-impact brand into a technology-driven organisation, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what's possible.

This is more than a strategic shift. It's a chance for driven professionals to grow, learn, and make a real difference.

Our mission is to contribute to help more people and businesses prosper. We embrace a robust risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

is a global business integrating all our retail and commercial banking activities to better serve our customers, improve efficiency and drive value creation.

The Portfolio Strategy and Credit Appetite team within Corporate Credit Risk is looking for a Credit Risk Manager based out of Leeds

The Portfolio Strategy and Credit Appetite team is responsible for the following:

• Maintaining key credit risk policies for Corporate and Commercial Banking and Credit Risk Frameworks, ensuring these are aligned to the Credit Risk Appetite.
• Providing subject matter expertise in credit risk policy and governance for stakeholders within CCB Risk and Business areas, while interacting with wide range of teams and senior stakeholders.
• Contributing to the Risk Appetite setting process, Strategic Commercial Plan , 3 year plans, sector strategies and product initiatives working closely with colleagues in Business, Risk (Credit Risk and EWRM) and Group.
• Undertaking analysis of trends related to corporate and commercial portfolios and recommend remedial actions to limit and policies where required.
• Undertaking regulatory and other reporting requirements with accuracy and within agreed defined time frames

• Reviewing existing credit risk frameworks and policies in accordance with appropriate approval governance.
• Defining and maintain accuracy and criteria of policies, considering risk appetite and business strategy alongside legal and regulatory requirements.
• Collaborating with relevant stakeholders to build new policies which are fit for purpose and deliver on the bank's strategy, whilst maintaining risk appetite
• Reviewing and providing constructive feedback on new or revised Group policies and procedures within defined timeframe, implementing where appropriate

• Providing expertise and guidance to other teams on matters affecting credit risk policy and frameworks and, where relevant, procedures or processes (e.g. sector strategy papers, product initiatives)
• Contributing to infrastructure projects to 'join up' data / analysis relevant to the portfolio or Strategic Corporate Plans
• Regular engagement with stakeholders, ensuring constant flow and sharing of information on the portfolio
• Contributing to 'best in class' risk practices through collaboration with all key stakeholders both locally and in Group.

We're shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for:

• Managing reviews of credit risk policies and frameworks and ensuring the criteria are aligned to current risk appetite, group/regulatory requirements and bank's growth strategy.
• Providing support for monitoring portfolio trends, KRIs, emerging risks, economic, legal , regulatory trends that may impact policy requirements and proactively evaluate key risks and future appetite.
• Collaborating with L1 and L2 stakeholders to:
  • Assist in shaping credit risk appetite with suitable limits for portfolios and sectors;
  • Contribute to budget / 3 year plans while providing robust challenge and feedback;
  • Support the Strategic Commercial Plan process to develop strategies which actively manage risk and will allow sustainable growth opportunities
• Providing robust challenge and analysis from a credit risk perspective to sector strategy and product initiatives papers, considering wider risk elements
• Managing key stakeholders across Business and Risk
  - Directors/Head of Departments, Relationship and Product Teams, Credit Underwriters, EWRM, Finance, Audit, Legal, Compliance, Other Risk areas and Group Portfolio Management.

Our…