Metro Bank Plc

Metro Bank Plc is seeking an experienced Credit Risk leader to join its second line of defence, shaping lending strategy and independent challenge within a growing bank. You will head a senior risk team, chair the Commercial Credit Risk Oversight Committee, and drive governance, policy, and risk appetite. You will oversee credit risk models, portfolio reporting, impairment forecasting, and collaboration with senior stakeholders including the PRA, delivering robust MI and risk insights to support

Metro Bank plc is embarking on a transformative journey to reshape small business lending. We are seeking a senior leader to drive the credit risk strategy, decisioning transformation, and risk management across the customer lifecycle. You will lead a high-performing team, shape risk appetite, and align with commercial objectives to fuel growth while protecting customer outcomes. In this role you will collaborate with Commercial, Product and Distribution teams, oversee policy development and

At Metro Bank, we believe the best banking experience starts with people who genuinely care. We're not just delivering banking services - we're building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long-standing relationships. We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible. What you will do: This role offers the opportunity to shape the future of lending to small businesses at Metro Bank, leading the transformation of decisioning, data and risk management capabilities as the business continues its ambitious growth journey. Lead the Credit Risk function, setting automated lending strategy and risk appetite for small business lending. Play a pivotal role in one of the Bank's most exciting growth areas, shaping the future of small business lending and enabling the Metro Bank to scale confidently and responsibly, supporting Metro Bank's ambition to become a leading small business lender. Hold accountability for credit performance across the end-to-end customer journey, from acquisition and account management through to collections and recoveries. Lead the transformation of credit decisioning, leveraging new systems, data, advanced analytics, AI-driven capabilities and digital technologies to automate the customer journey, reduce reliance on manual underwriting, improve decision-making and operational effectiveness, and build a more scalable, resilient and future-ready credit function. Develop and continuously enhance credit policies, scorecards, affordability models, underwriting strategies and risk frameworks across the full customer lifecycle, embedding best-in-class tools, data and processes to support the next phase of growth. Partner with Commercial, Product and Distribution teams to support the expansion of the small business lending, balancing growth ambitions with strong risk management and customer outcomes. Shape lending propositions, product development, portfolio management and broader business decision-making. Provide visible and inspirational leadership, building a high-performing team and market-leading small business credit risk capability that leverages innovative approaches, modern tools and strong risk management to support the Bank's future ambitions. Act as the senior business unit credit risk representative at relevant senior forums, providing insight, challenge and recommendations to support strategic decision-making. Represent the Bank externally with regulators, industry bodies, data providers and strategic partners where required. And we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the ability to call out any concerns. What you will need: Extensive experience leading credit risk strategy, with a track record of balancing growth, risk, customer outcomes and regulatory requirements. Deep expertise developing and optimising credit decisioning and risk management strategies across the customer lifecycle, including originations, account management, collections and portfolio oversight. Strong commercial acumen with the ability to support sustainable business growth by balancing risk, return, customer outcomes and capital efficiency through data-led strategies. Good knowledge of small business lending products, credit risk frameworks and decisioning capabilities. Experience of delivering or contributing to credit transformation programmes, leveraging new technologies, data, analytics, automation and AI to enhance decision-making, operational efficiency and customer experience. Demonstrated ability to influence and challenge at Executive Committee level, working effectively with senior stakeholders, regulators, strategic partners and governance forums. An inspirational people leader with experience building high-performing teams and developing future talent, whilst fostering a culture of innovation, accountability and continuous improvement. Experience leading through significant business growth, organisational change or transformation, with the ability to translate strategic ambition into tangible outcomes. Our promise to you We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts! We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions! Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that 'normal' office hours aren't always doable, and while we can't accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren't sure if you are 100% there yet why not give it a whirl? Good luck!

Construction Programme Manager Banking is changing. At Metro Bank, we believe great customer experiences start with great environments. Our stores, offices and workplaces play a critical role in bringing our brand to life, creating spaces where colleagues thrive and customers experience the very best of relationship banking. As Construction Programme Manager, you'll lead the delivery of Metro Bank's capital investment programme across our estate. From new store openings and next generation refurbishments to workplace projects and remediation programmes, you'll play a key role in shaping the future of our physical footprint. Through strong programme leadership, commercial expertise and stakeholder engagement, you'll ensure projects are delivered safely, efficiently and to the highest standards whilst creating spaces that support our customers and colleagues. What will you be doing? Leading the successful delivery of construction and refurbishment projects across the Metro Bank estate, from initial concept through to completion and handover. Managing a diverse portfolio of projects including new stores, refurbishments, workplace projects, remediation works and strategic estate initiatives. Partnering with Property, Retail, Facilities and other business stakeholders to develop project briefs and translate business requirements into deliverable solutions. Taking ownership of project budgets, programmes, risks and governance to ensure projects are delivered safely, on time and within approved investment parameters. Leading and coordinating consultants, contractors and specialist suppliers, creating a culture of collaboration, accountability and high performance. Driving commercial excellence through effective procurement, contract management, change control and cost management processes. Preparing robust business cases and securing appropriate approvals to support capital investment decisions. Ensuring all statutory approvals, regulatory requirements and health and safety obligations are achieved throughout the project lifecycle. Building strong relationships with landlords, local authorities, consultants and third parties to overcome barriers and support successful delivery. Providing clear and meaningful project reporting, enabling informed decision making and effective risk management. Acting as a trusted advisor to stakeholders, balancing customer, colleague, operational and commercial considerations. Continuously identifying opportunities to improve project delivery, construction standards and the overall performance of Metro Bank's estate. What will you need? Proven experience delivering retail fit out, refurbishment and construction programmes within a multi-site environment. Strong project and programme management experience across the full project lifecycle, from feasibility and design through to construction and handover. Experience managing complex stakeholder groups, building credibility and influencing decisions at all levels. Strong commercial acumen with experience managing project budgets, contracts, procurement activities and change control processes. A thorough understanding of construction legislation, regulatory compliance, health and safety and risk management principles. Experience leading external consultants, contractors and multidisciplinary project teams to achieve successful outcomes. The ability to balance strategic thinking with hands-on delivery and practical problem solving. Strong communication skills with the ability to articulate complex information clearly and confidently. A proactive and collaborative approach, with the confidence to challenge, innovate and continuously improve. Experience delivering customer-facing retail environments where quality, customer experience and operational continuity are critical. A recognised qualification in a construction-related discipline such as Project Management, Quantity Surveying, Building Surveying, Construction Management, CIOB or RICS. Our Promise to You You'll join a bank that is investing in the future of its stores, workplaces and customer experience. We'll empower you to take ownership of a diverse portfolio of projects and influence decisions that have a lasting impact across the business. We'll reward your contribution with a competitive salary, discretionary annual bonus and a comprehensive benefits package, including generous holiday allowance, pension, healthcare, life assurance and a range of colleague benefits. You'll be part of an inclusive culture that values individuality, celebrates diverse perspectives and encourages everyone to bring their authentic self to work. Our commitment to Diversity, Equity and Inclusion is fundamental to who we are and how we serve our customers. At Metro Bank, we're creating the next generation of customer and colleague environments. If you're an experienced construction professional who thrives on delivering complex projects, influencing change and creating exceptional spaces, we'd love to hear from you.

Metro Bank is seeking a Construction Programme Manager to lead the delivery of its capital investment programme across the estate. You will oversee store openings, refurbishments and workplace projects, ensuring safety, quality and on time delivery while aligning with business needs. You'll collaborate with Property, Retail and Facilities, manage budgets and governance, coordinate consultants and contractors, and report progress to senior stakeholders to shape the bank's future footprint.