Overview
Credit Risk Manager – Specialist Lending – Broadgate Search is partnered with a bold & ambitious lender seeking a Credit Risk Manager who can help balance growth with robust, forward-looking risk management. This is a chance to be part of a growing organisation where your insight will directly shape lending strategies, risk appetite, and the products we develop. If you’re driven, commercially minded, and ready to make an impact, we’d like to speak with you.
Location: Broadgate West Midlands, England, United Kingdom
What you’ll be doing
* Carrying out detailed analysis of lending portfolios to spot risks, trends, and concentrations early.
* Supporting the development and refinement of credit risk models (e.g. affordability, scorecards, ICR/DSCR) and partnering with Finance on PD, LGD, EAD, and ECL.
* Producing high-quality reporting and dashboards for senior management, regulators, and investors.
* Helping to refine credit policies, risk appetite, and stress testing frameworks to ensure resilience.
* Working closely with underwriting, sales, and finance to make sure lending decisions align with strategy and regulatory standards.
* Contributing to the launch of new mortgage and lending products, including risk-based pricing initiatives.
* Assisting with internal and external audits on risk processes and controls.
What we’re looking for
* Proven background in credit risk within financial services (mortgages or secured lending experience is ideal).
* Strong analytical skills, with hands-on experience in data analysis and statistical methods.
* Knowledge of the UK mortgage and buy-to-let markets and regulatory environment.
* Ability to explain technical insights clearly to a range of stakeholders.
* A detail-focused, commercially aware mindset with the ability to challenge constructively.
Desirable extras
* Degree (or equivalent) in Mathematics, Economics, Finance, or a related subject.
* Exposure to bridging, commercial, or second-charge lending.
* Hands-on experience with model development or scorecard design.
* Proficiency in SQL, Python, SAS, R, or advanced Excel.
* Familiarity with PRA/FCA regulations for specialist lenders.
* Previous experience in a fast-moving, high-growth lending business.
What we value
* Builds strong relationships and works collaboratively.
* Thinks long-term while acting decisively in the short term.
* Is adaptable, innovative, and proactive.
* Brings integrity, professionalism, and a willingness to grow.
Seniority level
* Not Applicable
Employment type
* Full-time
Job function
* Finance
Industries
* Banking
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