Overview
Over the past decade, we have built a new kind of bank—one that embraces individuality, diversity, and the fast-changing modern world.
Shawbrook is an award-winning specialist bank, providing tailored lending solutions to real estate professionals, SMEs, and consumers, while offering a secure home for savings. With over 425,000 customers, a £10.5bn loan book, and £10.9bn in customer savings, we continue to achieve strong, tech-driven growth.
As we evolve to meet the needs of our customers and unlock our full potential, we remain committed to our purpose:
Empowering ingenuity to create opportunity—every single day.
The Opportunity
Shawbrook offers tailored finance solutions to a diverse range of customers who value flexibility, certainty, and a premium experience. As a purpose-driven organisation, we are committed to delivering long-term, sustainable value for all stakeholders.
Our diversified portfolio includes specialised lending propositions across SME, Real Estate, and Personal sectors, catering to specific customer needs. Our products range from structured credit facilities for growth-driven businesses to mortgages for professional landlords and property investors, as well as digitally delivered consumer loans. We fund our lending through customer deposits, offering smart savers a combination of choice, value, and exceptional service.
What sets Shawbrook apart is our unique, hard-to-replicate business model, which blends human expertise with cutting-edge technology, digital solutions, and data insights. This approach enables us to provide outstanding customer experiences efficiently and at scale. Our culture fosters innovation and agility, reflected in our high employee engagement scores and attractive workplace environment. If you’re ready to roll up your sleeves, bring fresh ideas, and push boundaries, you’re exactly who we’re looking for.
Why Join Us?
- Be part of a bank designed for the modern world
- Thrive in a fast-paced, innovative, and dynamic work culture
- Enjoy solving complex challenges and making things happen
- Contribute to a diverse, inclusive workplace that champions underrepresented groups
- Work for a company that cares about society, sustainability, and the environment
- Grow professionally and become the best version of yourself
The Role & Responsibilities
As part of the Credit Risk Function within the 2nd Line of Defence, this role supports the Chief Credit Officer (CCO) in credit risk decision-making, policy development, and ongoing monitoring. You will play a crucial role in maintaining the effectiveness and relevance of the Bank’s Credit Risk Management Framework while ensuring alignment with strategic objectives and external market conditions.
Key Responsibilities
Leadership & Strategy
- Lead and manage a high-performing Credit Risk team
- Work closely with the Deputy CCO and other senior leaders to allocate resources efficiently
- Present findings and analysis to internal and external stakeholders
- Identify and implement process efficiencies using automation
- Provide strategic challenge to 1st Line growth plans and risk appetite changes
People & Culture
- Foster a collaborative and supportive work environment
- Champion professional development and support career growth for team members
- Ensure high performance while prioritising employee well-being
- Address underperformance with effective and supportive management
Credit Sanctioning
- Oversee credit risk sanctioning for motor finance transactions
- Ensure balanced and well-informed credit decisions
- Act as Chair of the Credit Approvals Committee (CAC)
Risk Committees & Governance
- Prepare reports for Executive and Non-Executive Risk Committees
- Follow up on outstanding action points from committee meetings
- Serve as Chair or Member of various credit risk oversight committees
- Monitor compliance with risk appetite and concentration risk limits
Credit Risk Oversight
- Oversee credit risk monitoring for the Retail Business segment
- Analyse credit risk data and portfolio performance
- Track lending volumes, credit quality, arrears, and emerging risks
- Ensure credit rating models are robust and effective
- Provide independent oversight on risk management processes
- Work with 1st Line teams to ensure sustainable lending portfolio growth
Credit Risk Policy & Framework
- Manage development and maintenance of credit risk policies
- Support policy implementation and operational integration
- Contribute to the credit risk strategy and alignment with bank-wide objectives
The Ideal Candidate
We are looking for a seasoned credit risk professional with:
- Deep expertise in financial services and credit risk
- Strong knowledge of intermediary mortgage lending and its processes
- Familiarity with FCA regulations (MCOB, COCON)
- Ability to influence strategic direction and provide informed challenge
- Experience in senior management committees and decision-making
- Proven ability to lead, develop, and inspire high-performing teams
- Strong collaboration skills to build effective relationships across the business
- Ability to prioritise and manage multiple complex projects
- A high level of drive, resilience, and strategic thinking
What We Offer
Your Wellbeing
- Family-friendly policies from Day 1 (Maternity, Adoption, Paternity leave)
- Free access to Headspace (mindfulness & meditation app)
- Free access to Peppy (support for fertility, parenthood, menopause)
- Employee Assistance Programme (EAP) for mental, financial, and legal support
- Cycle to Work Scheme
- Gym membership discounts
- Contributory pension scheme & life assurance
Your Lifestyle
- Minimum 27 days annual leave (+ option to buy/sell holiday)
- Retail & high-street discounts
- Charitable giving and community support programs
Your Contribution
- Annual discretionary bonus scheme
- Proudly Shawbrook recognition program to reward excellence
At Shawbrook, we are committed to empowering ingenuity and creating opportunity—every single day. If you’re ready to take your career to the next level, we’d love to hear from you.
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