Senior Credit Manager, Specialised Finance Risk

Job Summary We’re looking for a seasoned Senior Credit Manager to join our Specialised Finance Risk team within the Corporate & Investment Bank. In this high-impact 2nd Line of Defence role, you’ll oversee complex securitisation and asset-backed finance credit risk across global markets, shape deal structuring, and guide strategic underwriting decisions.

If you’re passionate about credit discipline, portfolio management, and delivering trusted risk opinions in fast-moving scenarios—this role puts you at the centre of high-value decision-making.

The role holder will be responsible for:
• Managing credit risk within the second line of defence (“2

LoD”) within the Specialised Finance (“SF”) Risk for Corporate and Investment Bank (“CIB”).  
• This opportunity will suit a Senior Credit Officer / Executive Director equivalent profile with the relevant background and +10 years proven expertise in asset-backed financing / securitisation.
• Experience in warehouse, asset-based finance and traded asset backed securities across geographies and asset type (ABS, CLO, RMBS, CMBS, ABL, ABF).
• The role will require:
• Experience gained from an investment bank or a specialised / structured finance group of a major international organisation and a relevant degree from a top-tier university.
• Strong understanding of credit risk, financial analysis, structuring, stress testing and jurisdiction risk, and their application in lending decisions for single counter party credit risk appetite.  
• Able to manage credit risk appetite with early-stage deal screening, detailed due diligence, and timely execution of transactions with credit memo analysis and independently written Risk recommendations.  
• Early-stage deal screening and due diligence of new transaction requests, with the ability to unpack complex situations or niche sectors to find out-of-box solutions, and value creation for clients.
• Influence structuring for best-in-class underwriting and to achieve successful and timely transaction execution and syndication.
• Champion business initiatives which promote revenue growth whilst protecting against the downside risk by identifying the short- to medium-term risks.

Key Responsibilities:

Maintain and develop the risk capabilities, and skills to meet ongoing business needs and plans.

Dynamically manage a portfolio of asset classes and credit risk counter parties (often bespoke) in the global portfolio, understand the client by geography, industry, and structural differences.

Conduct periodic portfolio and transaction stress testing based off dominant rating agency methodologies. Pro-actively manage transactions ahead of credit deterioration (Early Alert Review) with detection through portfolio reviews, adhering to industry strategies, market monitoring, and lessons learned. Ensure effective management of the operational risks within the Risk and compliance with applicable internal policies, and external laws and regulations.

New transaction deal screening and due diligence, with the ability to unpack complex situations or niche sectors to find out-of-box solutions, and value creation for clients Influence business and / or support senior credit risk officers for best-in-class underwriting with a deep dive into market analysis and rating agency methodologies.  Conduct new transaction request due diligence with expert judgement on asset portfolio risk, structural mitigants, originator and servicer analysis, supporting cashflow stress testing, operational risk assessments and liquidity / asset realisation assessmen.

Review Business Credit Applications, ensuring these are in line with internal Credit Underwriting Principles, and a timely submission for credit approval.

Independently critique and recommend / approve credit and rating proposals, in line with defined risk parameters, negotiated credit terms and documentation review. . Skills and Experience Expertise in securitisation, asset-backed finance, and structured credit (ABS, RMBS, CMBS, CLO, ABF, ABL, warehouses).Strong credit risk judgement and decisive opinion under pressure.

Advanced structuring, financial analysis, stress testing, and portfolio monitoring.

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