Risk Partner – Lending Risk & Controls

Risk Partner – Lending

Shape decisions. Influence outcomes. Build the future of Risk at Cynergy Bank.

Join Cynergy Bank as a Risk Partner and play a central role in shaping how we balance growth with robust, forward-thinking risk management — at pace, and with real commercial impact.

This is a permanent Risk Partner role sitting at the heart of our lending and credit activity, partnering directly with Origination, RMT, and CBF teams.

You’ll operate as a true business partner, working alongside senior stakeholders on live lending decisions, ensuring risk is clearly understood, well-managed, and supports sustainable growth.

This is a highly visible role where your judgement and insight will directly influence transactions, shape risk appetite, strengthen controls, and impact the bank’s long-term risk profile.

• Real influence – Work side-by-side with lending teams and senior leaders, contributing to live deals and portfolio decisions

• Commercial partnering – Balance risk and opportunity, not just apply controls

• End-to-end exposure – From deal support to governance, incidents to forward planning

• Long-term impact – Shape how lending risk partnering is delivered over time

• Act as a trusted Lending Risk Partner, providing insight and challenge on transactions, structures, and portfolio risk

• Support and influence live lending decisions, ensuring alignment to risk appetite and policy

• Lead and shape risk forums, driving transparency, accountability, and action

• Embed practical, scalable risk frameworks and monitoring approaches

• Own incident and issue management, ensuring meaningful insight and resolution

• Provide independent, credible challenge while maintaining strong relationships

• Deliver clear, insight-led reporting and forward-looking risk analysis

• Experience in risk management within UK banking or financial services

• Exposure to lending, credit, or front-office teams

• Ability to influence and challenge senior stakeholders

• A commercial mindset with a balanced approach to risk and growth

• Strong understanding of risk frameworks, lending governance, and regulation

• Ability to simplify complexity and provide clear, actionable insight

• A proactive, hands-on approach, comfortable operating close to live activity

Hybrid working with 3 days in our London office and 2 days from home.

At Cynergy Bank, risk isn’t a blocker — it’s a core enabler of smart, sustainable growth.

You’ll be part of a business where:

• Risk is front and centre of lending decisions

• You’re trusted to challenge, influence, and add value

• You can build long-term credibility with senior stakeholders

• Innovation and human relationships sit side-by-side

• Competitive salary and bonus

• 28 days holiday (+ option to buy more)

• Excellent pension, healthcare, and protection benefits

• Hybrid working

• Ongoing development and exposure to senior leadership

Cynergy Bank is the UK’s human digital bank, combining personal service with smart technology to support ambitious businesses and individuals. Since 2018, we have lent over £4bn to scaling businesses and continue to evolve how banking supports growth.

Ready to step into a role where your judgement directly shapes lending decisions and your impact is visible across the business? Apply now and be part of a bank where risk sits at the centre of smart growth.