Team Risk and Credit
Location AMAZE Central - Holborn
County Greater London
Ref # POS_17556
Closing Date 15-Jun-2026
At Metro Bank, we believe the best banking experience starts with people who genuinely care. We’re not just delivering banking services – we’re building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long-standing relationships. We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.
What You Will Do
* Support the Head of Business & Credit Support and Asset Finance Credit Partner in identifying, categorising and managing AF customers showing signs of risk deterioration, taking ownership of customer engagement and management through insolvency and formal recovery processes as appropriate, focusing on achieving both a full understanding of and the best outcome for the Bank and customer within an acceptable timescale.
* Early engagement with such customers, negotiating with them and their advisers alongside Credit Partners from B&C, the Head of Recoveries and Asset Management for AF and the wider AF collections team. Involve insolvency professionals, lawyers, recovery agents and auction houses.
* Develop specific timebound strategic action plans to address lending quality concerns, ideally assisting with individual provisioning calculations where appropriate, ensuring a prompt and appropriate understanding of the position and response/engagement with customers.
* Be mindful of and follow Treating Customers Fairly principles at all times.
* Understand the recovery process from early arrears through to contract termination, recovery and disposal of assets, demanding on guarantors and engaging 3rd party recovery agents, solicitors and insolvency practitioners, where needed.
* Maintain accurate information and data records in the Customer Relationship Management based Case Management System and Commercial Risk Grading Application customer rating system.
* Appropriately engage with insolvency / property & legal professionals cost effectively on cases, always aiming for the most appropriate strategy within an acceptable timescale, reviewed with HO B&C and Credit Partners.
What You Will Need
* Some experience of collections or recoveries in Asset Finance.
* Good experience of customer relationship management including undertaking difficult conversations/negotiations.
* Ideally an understanding and experience of AF documentation and general business & unregulated corporate/commercial bank lending.
* Ideally some restructuring, insolvency and legal knowledge.
* Some wider economic & business awareness.
* Good understanding of and experience in conduct risk and TCF principles.
* Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders.
Our promise to you
* Competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and colleague discounts.
* Training to ensure success in role and plenty of internal opportunities to progress career (around 40% of our recruitment comes from internal promotions).
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