Senior QA Credit Risk Manager

Senior Manager – Credit Assurance – 2nd line

London (Hybrid Working)

A growing UK specialist SME bank is seeking an experienced Senior Manager – Credit Quality Assurance to join its second line Credit Risk function.

This is a senior oversight role suited to an individual with a strong underwriting background who has moved into, or is looking to move into, a broader credit risk oversight and quality assurance position. The successful candidate will bring deep experience of credit underwriting standards, transaction assessment and credit decisioning within banking or specialist lending environments.

Reporting into senior Credit Risk leadership, you will lead second line Credit Assurance activity across specialist lending portfolios, providing independent oversight, constructive challenge and early identification of emerging credit and regulatory risks. The role requires an individual capable of reviewing complex credit decisions and underwriting rationale with credibility, confidence and commercial judgement. You will work closely with senior stakeholders across Risk, Credit and the wider business to strengthen governance, improve consistency of underwriting standards and enhance overall credit quality.

• Lead and develop second line Credit Quality Assurance activity across specialist lending portfolios
• Conduct detailed reviews of credit underwriting quality, credit decisioning and policy adherence
• Challenge underwriting rationale, structure and risk assessment across first line teams
• Produce high-quality, insightful reporting for senior governance committees
• Lead meetings with business leaders to review QA findings and agree remediation actions
• Support Credit Committee and related governance forums
• Identify emerging credit, operational and regulatory risks
• Contribute to the ongoing enhancement of credit risk frameworks, controls and reporting
• Support risk and control self-assessment (RCSA) activity within Credit Risk
• Deliver feedback, coaching and targeted training to underwriting and credit teams where required

We are specifically looking for candidates with a strong background in credit underwriting alongside experience in credit risk oversight, quality assurance or credit governance.

• Significant hands‑on underwriting experience within commercial, real estate, development, bridging or specialist finance lending
• Experience with in Credit Risk, Credit Oversight, Quality Assurance or broader second line risk functions
• Strong understanding of credit risk frameworks, governance and credit operations
• The ability to review and challenge complex transactions with balanced and independent judgement
• Experience gained within banking, challenger banking or specialist lending environments
• Excellent analytical, communication and stakeholder management skills
• Experience producing senior management and committee reporting
• Relevant professional qualifications (CIA, CRMA, CFA or similar) advantageous

• Hybrid working model (London-based)
• Senior stakeholder exposure across Risk and Credit leadership
• Opportunity to contribute to the evolution of a growing specialist lender
• Competitive package and benefits available

For a confidential discussion or to express interest, please apply directly or contact us privately for further information.