Head of Wholesale Credit Delivery

Aldermore Bank; Reading; Hybrid; GBP 80,000 - GBP 120,000; Full time

Job summary

A prominent UK bank is seeking a senior leader for the Wholesale Credit function, responsible for managing credit risk and overseeing complex transactions. The role includes team leadership, regulatory compliance, and strategic oversight, ensuring alignment with the Bank's lending strategies. Candidates should have proven expertise in credit risk management, strong communication abilities, and capability in building and managing high-performing teams. The position offers a hybrid working model and opportunities for growth within the organization.

Benefits

Flexible working culture

Opportunities for progression

Competitive rewards and benefits

Qualifications

• Proven expertise in wholesale credit risk management.
• Strong leadership and people management skills.
• Excellent communication and influencing abilities.
• Deep understanding of regulatory requirements and credit risk processes.
• Experience balancing business outcomes with risk.

Responsibilities

• Lead and resource the Wholesale Credit teams.
• Provide oversight of wholesale credit transactions.
• Maintain effective governance of credit risk.
• Act as a partner to business and regulators.
• Inspire high-performing credit teams.

Skills

Wholesale credit risk management

Leadership and people management

Excellent communication skills

Regulatory requirements knowledge

Collaboration across functions

Relationship building

Job description

About Us

We’re Aldermore – the award‑winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we’re backing more people to go for it. We thrive by saying “yes” to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first‑timers a leg‑up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car, van or motorbike. This is where you come in. We are on a journey, a journey defined by a destination to deliver on our purpose.

About the Opportunity

A senior leadership role responsible for ensuring the Credit function has the capability, structure and capacity to support the Bank’s wholesale lending strategy. The role provides oversight of wholesale credit risk, delivers independent challenge, and maintains robust credit risk frameworks and controls, acting as delegate for the Head of Wholesale Credit when required.

The position is available in both our Reading and London offices, with hybrid working as standard. This role also acts as an ambassador of the Bank’s vision to back more people to go for it in life and in business.

What will your day look like?

The role will report into the Head of Wholesale Credit, who will be your line manager and responsible for performance reviews, 1‑1s and development conversations. The role of Head of Wholesale Credit Delivery is a critical role for the bank.

Responsibilities

• Lead and resource the Wholesale Credit teams to ensure capability, capacity and structure remain aligned to the Bank’s evolving origination strategy, product mix and volumes.
• Provide senior oversight, independent challenge and approval of complex wholesale credit transactions within delegated mandate, ensuring alignment with risk appetite, policy and regulatory requirements.
• Maintain effective governance of credit risk by overseeing lending mandates, proactively identifying and escalating emerging risks, breaches or issues through appropriate forums.
• Act as a key partner to the business, Risk function and regulators, supporting the development of wholesale credit strategy, policies and a strong risk culture across the Bank.
• Lead, develop and inspire high‑performing credit teams, fostering collaboration, accountability and continuous improvement, including oversight of workout and restructuring activity.
• Provide leadership continuity as deputy to the Head of Wholesale Credit, representing the function at key committees and forums and acting as delegate when required.

Qualifications and Experience

• Proven expertise in wholesale credit risk management, providing independent challenge, strategic oversight and thought leadership in credit decisioning.
• Strong leadership and people management skills, capable of building high‑performing teams, fostering accountability and maintaining continuity as a trusted deputy.
• Excellent communication and influencing abilities, able to engage stakeholders at all levels, escalating issues and providing clear guidance.
• Deep understanding of regulatory requirements, credit risk processes, scoring methods and the use of automation/auto‑decisioning for efficiency.
• Experienced in balancing business outcomes with risk, collaborating across functions and providing oversight of credit exposure to ensure SLA adherence.
• Skilled at developing relationships internally and externally, shaping credit strategy and promoting a culture of ownership, performance and continual improvement.

What can you expect from us?

• A friendly and flexible culture, the same as how we work with our customers.
• A growing organisation that means there’s lots of opportunities to progress.
• A drive for continuous improvement, which you will be empowered to get behind from day one.
• And, of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.

Still curious?

Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background and whether you’re pregnant or on family leave.

Please note that we have a thorough referencing process, which includes criminal record checks.