Job Description

How you'll help us live our purpose
We've been helping our members save for their future and buy their own home since 1875. Join us and you'll play a big role in helping us to put home ownership within reach of more people, generation after generation.
It's a purpose that drives everything we do. And you can play your part too - join our Group Risk team as a Credit Risk Oversight Specialist.
How you'll make a difference
You will lead activities within Group Risk oversight across the entire end-to-end Credit Risk lifecycle, providing independent challenge to first-line solutions and ensuring that credit risk remains within appetite. You will also provide the Head of Credit Risk Oversight, CRO & committees / working groups with insights on 1st Line activity, change proposals, portfolio and emerging risks. This is an exiting opportunity to support the Society to deliver their Purpose.
What will you bring to the role?

• Relevant experience in financial services, preferably mortgages
• Detailed knowledge of the Credit Risk life cycle
• Detailed knowledge of mortgage products and servicing
• Ability to work on project type activities
• Strong communication skills (written and verbal)
• Ability to draw insight from data
• Broad knowledge of the financial services industry
• Good understanding of applicable regulations within the mortgage market
• Independent minded and able to challenge constructively and professionally at management level.
• Professional qualification or experience in Credit Risk Management

And in return, you'll get the best from us:

• Annual bonus of up to 12%
• Matched pension contributions up to 10%

• 26 days holiday, plus bank holidays and holiday purchase scheme

• Colleague Mortgage and Saver products

• Electric vehicle / Cycle to Work scheme

• 2 days' volunteering per year

We'll give you a place to belong with the support to learn, develop and shape a meaningful career.
Why choose us?
Our business is centred around our people. Our colleagues are at the heart of everything we do, as shown by our Inclusive Employers Gold accreditation in 2023 and 2025. We're committed to equal opportunities regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability or gender identity.
You'll be joining a truly purpose-focused culture which helped us win the Leading with Purpose award at the 2023 . This recognises how we've embedded our purpose with our colleagues, and the actions we've taken to put home ownership within reach of more people, generation after generation.
Why wait? Apply now
We'd love to hear from you. But don't wait around - we may close the advert early and we'd hate for you to miss out.
We're devoted to creating a culture and workplace that is representative of the communities we serve. If you'd like to work with us but are unsure if you meet the full criteria for a role, please contact the recruiter so we can find out more about your skills and experience. We're committed to supporting you to be at your best - to discuss any reasonable adjustments we could make, please contact us on

Skills Required