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Ford Motor Company
Commercial Credit Risk ManagerFord Motor Company • Essex, Essex, United Kingdom
Commercial Credit Risk Manager

Commercial Credit Risk Manager

Ford Motor Company • Essex, Essex, United Kingdom
18 days ago
Job type
  • Full-time
Job description

The Commercial Credit Risk Manager is responsible for developing FCE's approach to originating and managing credit risk for the commercial customer base, including sole traders, SMEs, multi-vehicle fleet customers, and commercial lines of credit, across the full credit lifecycle. The role designs and implements underwriting standards, loss prevention frameworks, and fraud controls tailored to commercial lending risk, supporting sustainable growth of the commercial book.


Essential:

  • First line commercial credit risk experience across sole traders, SMEs, and multi-vehicle/fleet customers.
  • Track record developing underwriting guidelines and credit proposal assessments, including commercial lines of credit.
  • Strong financial/credit analysis skills (business financials, cash flow, guarantor assessment, external research).
  • Strong working knowledge of EBA and PRA credit risk classification requirements, including definition of default, forbearance, and non-performing exposure rules.
  • Analytical, data-driven mindset; excellent communication skills with senior leaders, Board members, and stakeholders.

Desirable:

  • SME/sole trader credit scoring or alternative data experience.
  • Fleet/automotive financing and vehicle asset risk knowledge.

The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race, religion or belief, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment or disability.

This position is based in Dunton, and it is expected the successful candidate will be able to attend the Dunton for typically 4 days a week and remain flexible on the days they are required to attend the office according to business requirements

#LI-Hybrid

#LI-MT3

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Commercial Credit Risk Manager • Essex, Essex, United Kingdom

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