Risk

About the Role A fast-growing fintech leader in the consumer credit space is seeking a Credit Risk Manager – Acquisition Strategy to join their high-impact team. This is a unique opportunity to shape the future of credit risk strategy at a company focused on expanding responsible credit access to underserved consumers using advanced analytics and machine learning. In this role, you’ll lead the development and optimization of acquisition strategies, balancing risk and growth through data-driven credit decisioning. You’ll work cross-functionally with product, data science, and compliance teams to deliver scalable solutions that drive profitable customer acquisition and portfolio performance. Key Responsibilities Acquisition Strategy & Credit Risk ManagementDevelop and refine credit risk policies for new customer acquisitions across loan and credit products.Design and implement underwriting strategies that align with business goals and risk appetite.Utilize advanced analytics and machine learning to enhance credit decisioning models.Collaborate on risk-based pricing, credit limit assignment, and segmentation strategies.Monitor performance trends and economic indicators to adjust acquisition tactics in real time.Data Analytics & Risk ModelingIncorporate alternative data sources (e.g., behavioral data, cash flow) to improve underwriting efficiency.Partner with data scientists to develop and validate credit risk models.Conduct A/B testing to assess and optimize acquisition performance.Track KPIs such as approval rates, early delinquency, and customer lifetime value.Regulatory & ComplianceEnsure underwriting practices align with applicable regulatory standards (e.g., CFPB, OCC).Collaborate with legal and compliance teams to uphold fair lending and consumer protection practices.Stay informed on regulatory developments impacting subprime and non-prime lending.Qualifications5+ years’ experience in credit risk, acquisition strategy, or consumer lending analytics.Strong knowledge of credit bureau data, alternative data, and risk model development.Experience with subprime or near-prime lending preferred.Proficiency in SQL and one or more of: Python, R, or SAS.Exposure to machine learning in a credit risk context is a strong plus.Bachelor’s degree in a quantitative or financial discipline (Master’s preferred).Exceptional analytical, communication, and problem-solving skills.What’s On OfferSalary up to $190,000, plus performance-based bonusComprehensive benefits packageRemote-first flexibility with optional hybrid workWork alongside a highly skilled, collaborative team of data scientists and risk expertsCareer growth in a mission-driven, innovation-focused fintechReady to Make an Impact? If you’re passionate about data-driven decision-making, fintech innovation, and empowering underserved consumers, we’d love to hear from you.

Job Title: Risk Manager Department: Risk & Compliance Location: [Bath-based Office] – Hybrid working model (2 days in office) Reports to: Head of Risk About the Company Our client is a leading player in the wealth management and financial services sector, recognised for their award-winning service and innovative technology platform. With significant investment backing and a clear growth trajectory, they’re transforming the way wealth management services are delivered in the UK. With a team of approximately 300 professionals, they are committed to delivering excellence, supporting professional development, and fostering a collaborative culture. The Opportunity This is a pivotal role within the second line of defence, responsible for supporting the delivery and ongoing enhancement of the group-wide Enterprise Risk Management Framework. The Risk Manager will partner with first line business functions to support effective risk identification, assessment, and assurance, while fostering a strong risk-aware culture across the organisation. Key ResponsibilitiesEnsure the Enterprise Risk Management Framework is embedded and effectively operated across the group.Support the identification, description, and assessment of key business risks.Lead incident management oversight, closure approval, and trend analysis.Provide pragmatic and regulatory-informed risk advice to support business decision-making.Deliver second-line assurance via a structured control assessment programme.Apply the organisation’s risk appetite to assessments and escalate concerns where appropriate.Assist in regulatory risk capital processes and internal capital adequacy assessments (ICARA).Promote risk awareness and accountability at all levels of the business.Develop and maintain clear and impactful risk reporting for executive and board-level audiences.Collaborate with Compliance, Internal Audit, and other teams on risk mitigation strategies.Actively contribute to the delivery of excellent service outcomes for end clients.Key Skills and Experience RequiredStrong operational risk management expertise within a financial services or wealth management environment.Experience in designing and implementing risk frameworks, policies, and risk appetite models.Proven ability to deliver clear, concise Risk MI and reporting.Knowledge of RCSAs, KRIs, incident and control management.Skilled in presenting to senior stakeholders and managing cross-functional relationships.Comfortable interpreting regulatory guidance and complex risk scenarios.Strong analytical, negotiation, and project management skills.DesirableRelevant risk qualifications (e.g. IRM Diploma, IAQ, etc.)Knowledge of SIPP, ISA, GIA, or Bond productsExperience with outsourced service providers and third-party oversightBackground within platform services or discretionary fund managemen

Broadgate are excited to be partnering with an International Bank who are looking for a VP Credit Risk to join during a period of growth:Key ResponsibilitiesPortfolio ManagementActively manage a designated portfolio of corporate clients.Conduct due diligence and periodic credit reviews to assess risk exposure.Analyze credit risk, determine accurate risk ratings, and provide timely recommendations to management.Prepare detailed credit analyses and applications in line with internal policies and regulatory requirements, evaluating industry, business, legal, and financial risks.Independently coordinate and communicate key account information across various bank divisions, including business lines, product groups, and credit teams.Maintain direct engagement with assigned customers to monitor financial performance and risk profile.Deal Structuring & SupportCollaborate with business lines and product groups to evaluate potential transactions.Identify structural risks and recommend risk mitigants for new deals.Advise account officers on credit risk issues, terms, and conditions to structure optimal transactions that maximize returns while minimizing credit costs.Independently liaise with credit division stakeholders, ensuring all relevant financial and risk analyses are provided with minimal oversight.Policy & ComplianceEnsure adherence to internal credit policies, procedures, and external regulatory requirements.Contribute to ad-hoc policy discussions aimed at enhancing the organization’s credit risk framework.Mentorship & DevelopmentProvide training and guidance to junior analysts, supporting their professional growth and technical skill development.Lead junior analysts through complex credit assessments and underwriting processes.Foster a collaborative environment to enhance analytical capabilities across the team.Qualifications & Experience7–10 years of experience in financial institutions, with a focus on corporate credit risk analysis.3–5 years of industry-specific experience in Technology, Healthcare, or Consumer Retail, particularly with large and mid-sized corporates.Strong expertise in corporate credit analysis, risk management, and financial modeling.At least 2 years of experience analyzing investment banking products, including asset-based lending (securitization, leasing), trade finance, and structured finance risks.Proven experience underwriting M&A transactions, including merger analysis and valuation.Deep understanding of loan documentation, corporate finance structuring, and risk assessment.Experience interacting with regulators and addressing regulatory compliance findings.Strong organizational and time-management skills.

Broadgate are excited to be partnering with a leading International Bank looking for a Credit Officer to join in New YorkRole OverviewWe are seeking an experienced Credit Officer to manage the Energy portfolio (Oil & Gas, Power) with a strong focus on risk assessment, portfolio management, and deal structuring. This role requires close collaboration with business lines, product groups, and credit divisions to ensure prudent risk management while supporting business growth.Key ResponsibilitiesPortfolio ManagementActively manage a designated portfolio of corporate clients within the Energy sector.Assess credit risk, assign accurate ratings, and recommend timely updates to management.Conduct detailed credit analysis and prepare credit applications aligned with internal policies and regulatory requirements.Collaborate with business teams to balance portfolio growth with sound risk management.Independently communicate critical account updates to internal stakeholders.Perform due diligence and regular portfolio reviews to ensure compliance with external regulations and internal policies.Mentor and support junior team members in credit risk analysis.Deal Structuring & SupportWork with business lines to identify and evaluate new transactions.Assess structural risks and recommend mitigants to optimize deal structures and covenants.Advise account officers on credit risk issues and negotiation strategies to maximize profitability while minimizing risk.Independently communicate with credit divisions, providing comprehensive analysis to support decision-making.Preferred Qualifications5+ years of experience in credit and/or portfolio management within the Energy sector at a financial institution.Strong expertise in corporate credit analysis, risk assessment, and underwriting leveraged loans.Advanced financial modeling skills to assess repayment capacity.Deep understanding of loan documentation and structural risks in corporate finance.Familiarity with regulatory requirements in Japan (FSA, BOJ) and the U.S. (FRB, FDIC).

Credit Risk Manager – Industrials PortfolioAre you a skilled credit professional looking for your next opportunity? A leading financial organization is seeking a Credit Risk Manager based in New York to manage a diverse portfolio across multiple industrial sectors, including aerospace, automotive, chemicals, and more. This is your chance to work with key stakeholders to analyze risks, make strategic recommendations, and contribute to the long-term growth and financial health of the portfolio.Key ResponsibilitiesTake ownership of a designated portfolio within the industrial sector, performing detailed credit analysis and providing actionable recommendations based on your risk assessments.Evaluate the financial, legal, and industry-related risks of clients, delivering critical insights to senior management for informed decision-making.Work closely with various business units to ensure best practices in risk management, fostering portfolio growth while maintaining compliance with internal and external regulations.Conduct periodic reviews and ensure the portfolio is in full compliance with both internal policies and regulatory requirements.Identify prospective transactions, assess structural risks, and offer advice on deal terms to enhance profitability and minimize credit costs.Support the development of junior team members, providing guidance in credit risk management processes.Preferred QualificationsAt least 5 years in credit or portfolio management, preferably within industrial subsectors such as aerospace, automotive, chemicals, etc.Strong background in corporate credit analysis, financial modeling, and understanding loan documentation and credit structures.Familiarity with risk management, regulatory requirements, and underwriting practices within corporate finance.Ability to work independently and guide junior analysts in complex credit risk assessments.Compensation & BenefitsSalary range from $150K - $180K, based on experience and location.Eligibility for performance-based bonuses and other incentives.Health and wellness programs, retirement plans, paid leave, and educational support.This is an exciting opportunity to join an innovative financial organization that is committed to creating growth opportunities for its team members. You’ll have the chance to work in a collaborative environment where your contributions truly make an impact. This role involves spending four days a week at the office or client sites in New York, with one remote workday.

Vice President, Business Continuity and Operational Resilience ManagementOur client is seeking an experienced and strategic Vice President of Business Continuity and Operational Resilience Management to lead the development and implementation of enterprise-wide programs that ensure the continuity and resilience of critical operations. This senior leadership role will be responsible for aligning business continuity efforts with regulatory standards, minimizing operational disruptions, and safeguarding both financial and reputational stability.Key Responsibilities:Lead the creation, implementation, and maintenance of business continuity and operational resilience frameworks in alignment with industry best practices and regulatory guidelines. Ensure adherence to governance structures, policies, and compliance requirements.Oversee the development of business continuity plans (BCPs) and disaster recovery plans (DRPs) for critical business operations. Lead business impact analyses (BIA) and work closely with technology teams to ensure IT resilience aligns with business needs.Design and conduct operational resilience testing, including scenario-based exercises. Lead crisis management protocols to ensure rapid, effective response to any business disruption or operational crisis.Implement a comprehensive monitoring and assurance program to assess the effectiveness of business continuity and resilience controls. Ensure compliance with regulatory requirements, including supporting internal audits and regulatory examinations.Cultivate strong relationships with key internal and cross-border stakeholders to ensure resilience principles are embedded within everyday operations. Provide regular updates to senior leadership on resilience capabilities and outcomes.Qualifications & Experience:Bachelor’s or Master’s degree in Business, Risk Management, Finance, or a related field.10+ years of experience in business continuity, operational resilience, or risk management within the financial services sector.Expertise in regulatory frameworks such as OSFI E-21, Basel, FFIEC, NIST, and ISO 22301.Proven leadership experience in managing enterprise-wide resilience programs and cross-functional teams.Strong knowledge of technology resilience, cyber risk management, and third-party risk management.Experience in conducting business impact analyses, testing, and crisis management.Excellent communication skills with a demonstrated ability to engage with senior executives and stakeholders.Competencies & Skills:Strategic thinking with the ability to align resilience strategies with broader business goals and regulatory requirements.Strong analytical skills to assess risks and dependencies across business functions.Leadership and influence in driving organizational change and fostering a culture of operational resilience.In-depth understanding of regulatory compliance and operational resilience best practices.If you are a seasoned leader with expertise in business continuity and operational resilience and are looking for an opportunity to have a significant impact, we encourage you to apply for this exciting role. Join a dynamic organization in Toronto and play a pivotal role in ensuring the stability and resilience of its operations.

Are you an experienced Risk Manager with a passion for strategic decision-making and tackling complex challenges? We are looking for a Senior Enterprise Risk Manager to join our dynamic team and support the Chief Risk Officer (CRO) in managing and optimizing risks across the organization. This is a key leadership role that combines analytics, strategy, and cross-functional collaboration to ensure robust risk management processes and alignment with global regulatory standards.Key Responsibilities:Lead the development, implementation, and monitoring of the Enterprise Risk Management Framework to manage enterprise risks effectively.Identify, assess, and report on key risks across the organization, providing senior management with actionable insights and recommendations.Contribute to corporate strategy, including risk appetite, stress testing, and scenario analysis programs.Ensure compliance with relevant regulations and the adoption of global risk management policies, frameworks, and standards.Develop and maintain key risk indicators, limits, and reporting tools to ensure the organization remains within its risk appetite.Liaise with local regulators and industry groups, including OSFI and CBA, and assist in the execution of regulatory and internal initiatives.What We’re Looking For:7-10 years of experience in risk management or commercial banking, preferably within financial services or professional services.Strong knowledge of credit, market, liquidity, operational, and other key risks in financial institutions.Experience in risk governance, strategy formulation, and regulatory compliance.Excellent analytical skills and the ability to interpret complex data and communicate findings effectively.Ability to lead cross-functional teams and collaborate across departments to achieve common goals.Strong proficiency in Microsoft Office (especially Excel), with additional experience in Power BI, Tableau, or Visio being an asset.Professional designations (FRM, CPA, CIA, CFA) are preferred.Why This Role?This is a hybrid position with the opportunity to work in a global environment while maintaining a strong local presence. The role offers a competitive salary, bonus potential, and comprehensive benefits. You will have the chance to collaborate with a talented team and play a pivotal role in shaping the organization’s risk management strategy.

Job Title: Risk Manager Location: United Kingdom (UK) On Behalf of Our Client – A Leading Financial Services Organisation The Opportunity: We are currently assisting our client, a prestigious financial services organisation, in their search for an experienced and highly skilled Risk Manager to join their growing team. This is a key leadership role that will work closely with the Chief Risk Officer (CRO) to support the design, implementation, and ongoing management of the company's Risk Management Framework. The successful candidate will provide independent oversight and challenge to the business risk profile for the UK-regulated entity. Key Responsibilities: As Risk Manager, your primary duties will include:Risk Management Framework: Design, implement, and maintain a comprehensive risk management framework that encompasses operational risk, credit risk, liquidity risk, market risk, conduct risk, and reputational risk.Risk Mitigation & Reporting: Assess, mitigate, monitor, and report on the risks impacting the business and ensure that effective risk management practices are demonstrated across the organisation.Subject Matter Expertise: Provide expert reviews of key risk metrics and incidents to ensure accurate reporting and management.Promoting Risk Culture: Lead initiatives to educate and train staff on risk identification and mitigation techniques, promoting a robust risk culture within the firm.Stakeholder Engagement: Assist the CRO in reporting risk-related information to the Board and represent the Risk function in internal and external committees, forums, and working groups.Collaboration with US Team: Work closely with the US-based Group Enterprise Risk team to ensure alignment of risk management practices across both regions.Change Management: Participate in change programmes, ensuring that risks are managed effectively throughout organisational changes.Risk Management Duties: In addition to the above responsibilities, you will also:Maintain a strong understanding of the company’s risk policies, procedures, risk appetites, and tolerances.Ensure that risk considerations are incorporated into business decision-making processes.Accurately escalate and record incidents associated with relevant risks.Regularly assess and challenge the company’s risks and controls to ensure effective risk mitigation.The Ideal Candidate: Our client is looking for candidates with the following qualifications and experience:Extensive Experience in Risk Management: Significant experience in managing risks within a regulated financial services environment, with a focus on liquidity, credit, market, and operational risks.Risk Framework Expertise: Proven experience in designing, implementing, and embedding risk management frameworks.Leadership & Influence: Ability to influence senior management teams and committees, with a proven track record in driving risk culture within the organisation.Regulatory Knowledge: In-depth knowledge of both UK and US regulatory frameworks, with experience collaborating with a US-headquartered group.Stakeholder Management: Strong skills in building and maintaining effective relationships with senior stakeholders.Team Leadership: Experience in leading and developing risk teams, with a focus on talent identification, development, and retention.Academic Background: A Bachelor’s degree (or equivalent) in a related field such as risk, finance, or accounting. A Master’s degree is preferred.Technical Skills: Proficiency in IT tools such as VBA and SQL.Communication: Strong verbal and written communication skills, including report writing and presenting to senior stakeholders.Personal Attributes: The successful candidate will possess a mature, credible approach to corporate environments, demonstrate a high level of integrity, and be able to communicate complex risk information in a clear and accessible manner. A collaborative and proactive attitude, combined with sound business judgement, will be essential for success in this role.