We are seeking a seasoned credit professional to join our Specialised Finance Risk team within the Corporate and Investment Bank. In this high-impact 2nd Line of Defence role, you will oversee complex securitisation and asset-backed finance credit risk across global markets, shape deal structuring, and guide strategic underwriting decisions.
If you are 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.
Key Responsibilities
* Manage credit risk across asset-backed financing, securitisation, warehousing, and traded ABS portfolios.
* Lead deal screening, due diligence, structuring feedback, and independent risk recommendations.
* Review and approve 1LoD credit applications and ratings, ensuring risk appetite alignment.
* Monitor portfolio, identify risks, conduct stress tests, and drive Early Alert actions.
* Present reviews and risk insights to senior 1LoD and 2LoD stakeholders.
* Partner with business teams to meet revenue goals while ensuring credit discipline.
* Strengthen governance, regulatory compliance, policy adherence, and controls.
* Represent Specialised Finance Risk in meetings, due diligence, committees, and forums.
* Support initiatives to improve frameworks, reporting, and efficiency.
* Mentor juniors and build risk awareness organisation-wide.
Required Skills and Qualifications
* 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.
* Translate complex risks into clear recommendations.
* Proven ability to challenge and influence senior stakeholders.
* Strong engagement across 1LoD, 2LoD, and geographies.
* Solid knowledge of credit documentation, underwriting, and regulations.
* Experience managing complex counterparties across regions and assets.
* Insight into market risk, governance, and enterprise risk.
* Experience in policy, control, and portfolio standards.
* Familiar with PRA/FCA requirements and MRT roles.
* Cross-cultural collaboration and global teamwork.
Benefits
We offer a competitive salary and benefits to support your mental, physical, financial, and social wellbeing.
* Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
* Time-off including annual leave, parental/maternity leave, sabbatical leave, and volunteering leave.
* Flexible working options based around home and office locations, with flexible working patterns.
* Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders, and all sorts of self-help toolkits.
* A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.
About Our Organisation
We are an international bank, nimble enough to act, big enough for impact. We question the status quo, love a challenge, and enjoy finding new opportunities to grow and do better than before.
We value difference and advocate inclusion. When you work with us, you'll see how we:
* Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do.
* Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well.
* Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term.