Business Credit Risk Manager – Commercial Lending Insight

Business Credit Risk Manager – Commercial Lending Insight

A leading UK-based financial institution is looking to hire a Business Credit Risk Manager to join its Commercial Credit Insight function. The team plays a central role in shaping the lending strategy for business customers and driving innovation across credit risk performance monitoring and portfolio insight.

This is a leadership role where you’ll be responsible for reviewing and assessing credit performance across commercial lending portfolios, delivering high-impact insights to senior stakeholders, and influencing strategic direction. You'll also play a key part in evolving how portfolio data is analysed, reported and actioned — from improving automation to identifying emerging risks and opportunities.

You’ll lead a small team focused on transforming credit risk reporting and embedding best practice in portfolio management. From recommending risk appetite metrics and triggers to delivering deep-dive assessments of asset quality, this is a hands-on, high-visibility position at the heart of business credit risk.

What you’ll be doing:

• Leading credit performance reviews and presenting actionable insight to senior forums and external stakeholders.
• Designing and evolving risk appetite frameworks for commercial lending portfolios.
• Driving automation and improved efficiency in portfolio reporting and monitoring.
• Managing deep-dive analysis and portfolio diagnostics, ensuring high-quality output that leads to action.
• Deputising for the Head of Credit Risk on strategic and operational matters.
• Embedding a culture of continuous improvement across portfolio management and insight generation.

What we’re looking for:

• Strong background in credit risk, ideally in a commercial or business lending environment.
• Advanced technical skills in tools such as SAS, SQL, Python or R.
• Proven experience delivering analytics that shape risk strategy or policy.
• Excellent attention to detail and strong communication skills to convey insight clearly and persuasively.
• A collaborative and solutions-focused mindset, with the ability to influence across levels.

Desirable but not essential:

• Experience in IRB frameworks or regulatory credit environments.
• Exposure to business credit modelling or quantitative credit analytics.
• Knowledge of enterprise risk frameworks and the three lines of defence model.