Commercial Credit Risk Manager

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.

**Credit Strategy & Underwriting**

+ Design and maintain underwriting policies, decisioning frameworks, and credit risk appetite for sole trader, SME, and fleet/multi-vehicle segments, including commercial line of credit limit-setting and utilisation management.
+ Assess creditworthiness of commercial counterparties (business financials, cash flow, guarantors, external data); oversee complex credit proposals and Credit Committee participation.

**Portfolio Management & Analytics**

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