Credit & Risk - Assurance Manager - (12 Months FTC)
HybridLondon, England, United Kingdom
Job Summary
Plan and execute credit file reviews across the Private Credit book, assessing borrower relationships against six dimensions including asset quality and covenant monitoring. Conduct thematic reviews on specific risk processes and perform spot-checks on new business covenants. Execute triggered reviews in response to material credit events or senior stakeholder requests. Apply the RAYG rating methodology consistently to form overall ratings and prepare evidence-based reports distinguishing factual findings from matters of judgement. Escalate high-risk findings promptly and maintain the live recommendation tracker, reporting progress quarterly to the Credit Forum and Investment Committee. Engage constructively with Relationship Managers to ensure findings are well-supported while maintaining productive first-line relationships.
Required Qualifications
- Demonstrable proficiency with AI tools (e.g. Claude, ChatGPT, Microsoft Copilot or equivalent sanctioned tools) in a professional setting, using them to analyse information, draft outputs and improve workflow efficiency.
- Experience preparing professional written outputs (reports, analysis, presentations) for senior audiences in a financial services, professional services or regulated environment.
- Experience assessing complex information and forming independent, well-evidenced judgements.
Desired Qualifications
- Experience in a credit risk, portfolio monitoring, internal audit or second-line assurance role within a lending organisation (private credit, non-bank lending or commercial banking)
- Familiarity with the credit lifecycle and second-line assurance methodologies covenant monitoring, MI review, watchlist management, early warning indicators, the three lines of defence model, or RAYG-style rating frameworks.
- Experience with credit management systems (e.g. Aspire) or data/portfolio monitoring tools.
- Exposure to multiple lending products, including SME lending, development finance, specialty finance or funds finance.
- Prior experience introducing technology or process improvements within a risk or assurance function.
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