Head of Credit Distribution

Shawbrook

Portfolio & Credit Solutions

London, England , GB

Posted on

Employer reference: REF1752B

The Opportunity

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally.  We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities.  This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale.  We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

  • Want to be part of a bank built for the dynamics of the modern world
  • Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
  • Enjoy finding new and better ways to solve complexity and make things happen
  • Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
  • Care about society and the environment and want to be part of a business that cares too
  • Want to continue to grow professionally and be the best version of yourself

The Role & Responsibilities

The role will look to mitigate risk, optimise and enhance existing assets, recycle capital, and support new origination through strategic solutions, to deliver value to both Shawbrook and our customers

The role will lead on working with 3rd parties to help support origination and manage the risk profile of the book, including but not limited to

  • Portfolio Solutions (excl securitisation via CFO)
  • Agency
  • Syndications/Sub-Participations with 3rd party lenders
  • Credit Insurance
  • Asset sales

In addition the role will provide product structuring, relationship, and portfolio management input / advice across key product lines, to ensure originated assets are structured in a manner to maximise both future distribution options and the optimal capital treatment.

The role will have ongoing management of internal and external responsibilities for solutions delivered e.g. management of ongoing to asset sales, portfolio management for structured solutions etc

Key Responsibilities

  • Identify multi-tiered distribution options and strategies
  • Execute approved distribution strategies, alongside key stakeholders
  • Managing post execution in-life activities
  • Develop tailor made solutions (in house or through 3rd party advisors) for individual clients to continue to support customer and balance sheet growth
  • Work with origination and product teams to ensure originated assets are structured in a manner to maximise both future distribution options and optimal capital treatment
  • Manage credit, legal and compliance risks through effective team infrastructure and associated controls
  • Lead on balance sheet optimisation, including risk model approaches and RWA optimisation
  • Develop and maintain excellent working relationships across the wider organisation

The Person

Education/Professional Qualifications

  • Degree/MBA or similar business qualification or equivalent work experience appropriate to the role
  • Proven experience in relevant market segment
  • Deep and broad business and financial acumen

Reward

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

  • Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
  • Free access to Headspace, a mindfulness & meditation digital health app
  • Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
  • EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
  • Cycle to work scheme
  • Discounts on gym membership
  • Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

  • Minimum of 27 days holiday per year
  • Option to buy or sell holiday days through our flexi-holiday scheme
  • Discounts on gym membership nationwide
  • Access to discounts on a range of high street and online brands
  • Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

  • Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
  • Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done

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