Job Title: Credit Risk ManagerLocation: London HybridSalary: Up to circa 85,000Hours: Monday to Friday 9 am to 6 pmBenefits: 30 days annual leave plus public holidaysGenerous pension: 10% employer contribution (5% employee)Fully funded private healthcare for you and your family, including cancer cover, mental health support, 24/7 GP access, and wellbeing benefitsFinancial protection with income protection and life assurance (up to 8x salary)24/7 support via Employee Assistance Programme and access to Mental Health First AidersStrong focus on development with extensive training and thousands of on-demand learning coursesCycle to Work scheme and electric vehicle lease options via salary sacrificeAbout the position of Credit Risk Manager:This is a high-impact, hands-on second line credit risk role within an early-stage, innovative bank. You will play a key part in shaping how mortgage credit risk is managed across both first- and second-line activity, with a strong focus on challenging, enhancing, and governing first-line credit decisions, models, and lending frameworks.You will support BAU risk oversight, governance, reporting, and change activity, including new products such as Buy-to-Let (BTL) mortgages. Working closely with underwriting, commercial teams, and senior stakeholders, you will help shape mortgage lending policy, responsible lending approaches, and credit decisioning frameworks, ensuring they remain robust, compliant, and fit for purpose in a fast-evolving environ