Credit Risk Manager - Mortgages

Team Risk and Credit

Location Holborn Office

County Central London

Ref # 14515

Closing Date 02-Dec-2021

Most of our jobs offer the opportunity for hybrid / remote working. Ask your recruiter for more details.

Metro Bank is changing the way that Britain banks, we were the first high street Bank to open in the UK for over 100 years and since then we have continued to grow and innovate.
Mortgages are a crucial part of metro banks success which is why we have ambitious plans to grow our mortgage lending, expand into new markets and innovate and automate our credit assessment. 

As a credit risk manager you will have the opportunity to lead and shape the way we set our strategy and how we use new technologies and approaches to innovate our ways of working. 
The team are fast-paced and agile team and to central activities across the bank giving you the opportunity to get involved in a range of projects including setting risk appetite, credit policy and strategy, optimising credit risk models within the business, supporting product development and ensuring we have the appropriate levels of capital and impairment and robust risk controls.

So what would you be doing?...

• Support the growth of mortgage lending to meet the banks strategic objectives
• Help Metro Bank expand into new mortgage markets and segments
• Lead and shape our credit policy and strategy  
• Optimise the use of credit risk models  
• Automate the customer journey through new models and solutions
• Innovate our approach to risk management 
• Create and maintain relationships with a wide range of stakeholders
• Work in a small, fun team
• Carry out deep and insightful credit risk analytics
• Have responsibility as part of the team for all aspects of mortgage credit risk
• Have the opportunity to remain ‘hands on’ and produce analytics and utilise SAS 

You need to be this kind of person…

• Passionate about providing unparalleled levels of service and convenience for customers
• Prepared to stick at something – we get nervous if someone has jumped from job to job as we want people who are prepared to learn and grow 
• Able to work and learn quickly in a fast paced, fun and dynamic environment
• Care about doing a great job and exceeding expectations with the quality of what you do

And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the courage to call out any concerns.

We always support colleagues to develop their skills. But to be successful in this job you really do need to already be able to do most of these wonderful things...

• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• Have strong analytical skills with an analytical mind-set and ability to solve problems
• Have a strong knowledge of SAS coding and data analysis
• Have a depth of knowledge of credit risk, in mortgages or other products
• Be enthusiastic, keen to learn and grow  
• Be flexible and adaptable to a fast moving environment


Important Footnote Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box.  We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked.  So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!


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