Our flexible financial solutions help businesses and individuals grow and succeed. Established by experienced business owners, we offer tailored lending and savings products with hands-on support and a practical alternative to traditional banking. Since receiving our banking licence, we have built a loyal customer base and a diverse team committed to helping clients achieve their financial goals. Our approach focuses on understanding each customer’s unique needs and delivering smart, adaptable solutions for long-term, sustainable success.

About the role

As a Team Lead – Portfolio Management, you will lead the team responsible for managing the ongoing performance and servicing of the loan book. This includes oversight of covenant monitoring, compliance reporting, restructures, extensions, redemptions, arrears, and recoveries. You will ensure operational excellence, regulatory compliance, and strong customer outcomes, while driving team performance, efficiency, and continuous improvement across all portfolio management activities.

Key Responsibilities

• Lead and manage the Portfolio Operations team, ensuring timely and accurate servicing of loans throughout their lifecycle.
• Oversee covenant testing and compliance reporting, ensuring borrowers meet obligations and activities align with internal policies.
• Manage restructures, extensions, redemptions, and variations, ensuring decisions are well-informed, customer-focused, and aligned with the Bank’s risk appetite and commercial objectives.
• Oversee arrears management, driving early engagement and effective resolution strategies to minimize risk exposure.
• Lead recovery efforts for non-performing loans, collaborating with internal stakeholders and external partners to achieve optimal outcomes.
• Ensure accurate record-keeping and workflow management through internal systems, including nCino, maintaining data integrity and audit readiness.
• Monitor team performance against SLAs and KPIs, fostering a high-performance, execution-focused culture.
• Collaborate with Risk, Compliance, and Legal teams to ensure servicing activities meet regulatory and governance standards.
• Support process improvement and automation initiatives to enhance operational efficiency, consistency, and scalability.
• Coach and develop team members, fostering a culture of ownership, accountability, and continuous improvement.

Required Qualifications

• Minimum of 8 years’ experience in lending operations, with strong knowledge of portfolio management, arrears, and recoveries.
• Proven leadership experience with a demonstrated ability to manage teams and drive high performance.
• Strong understanding of covenant monitoring, loan variations, and effective customer relationship management.
• Proven experience in debt handling, restructures, and recoveries within a regulated lending environment.
• Proficient in using internal systems to manage workflows and maintain accurate records; familiarity with nCino or similar platforms is advantageous.
• Strong analytical skills with exceptional attention to detail and accuracy.
• Excellent communication, collaboration, and stakeholder management abilities

Why Join?

We’re building more than a workplace — we’re creating an environment where people feel empowered to make a difference, supported to excel, and trusted to do the right thing. We believe that when our people thrive, so do our customers. That’s why we invest in a culture that reflects these values and supports your growth, flexibility, and wellbeing.

Here’s what you can look forward to:

• Generous Time Off – Annual leave plus bank holidays to rest, recharge, and enjoy life outside of work.
• Work From Anywhere – Up to 4 weeks per year to work remotely from anywhere in the world.
• Learning & Development – Tailored training and support to grow your skills and achieve your professional goals.
• Hybrid Working – A flexible working model with a mix of office and remote days to support work-life balance.
• Private Medical Care – Comprehensive healthcare including optical and dental coverage.
• Enhanced Pension Scheme – Helping you plan and save for a secure future.
• Maternity, Paternity & Adoption Pay – Supporting you and your family during important life moments.
• Discretionary Bonus – Rewarding your contribution to shared success.

If you’re curious, driven, and ready to be part of something meaningful — where your ideas matter, your growth is supported, and your work makes a real impact — we’d love to hear from you.

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City Of London, England, United Kingdom