Associate Director – Credit

About This Opportunity

We are representing a confidential alternative investment management firm in their search for an Associate Director - Credit based in London. Our client operates across multiple investment strategies and maintains a strong commitment to responsible investing principles.

This senior credit role sits within an independent risk oversight function, partnering with lending and portfolio teams to maintain robust governance frameworks across a private credit platform. You'll work collaboratively on credit underwriting, portfolio monitoring, restructuring, and assurance activities.

Responsibilities

Portfolio Review & Risk Identification

• Take ownership of portfolio review processes in partnership with portfolio management teams, ensuring early identification of risk and emerging trends across lending strategies
• Exercise delegated authority for non-material credit requests, escalating appropriately where thresholds are exceeded
• Contribute to watchlist and early warning indicator processes, flagging deteriorating credits for further action
• Provide case-level input to lessons learned processes, covering challenged cases and emerging risk themes

Credit Underwriting Support & Origination Partnership

• Partner with origination teams to evaluate new lending opportunities, providing credit expertise and challenge at the appropriate stage
• Review credit papers ahead of submission, providing clear recommendations to credit committee members
• Build strong working relationships with origination and portfolio management teams to ensure credit input is embedded early and effectively

Portfolio Reporting & Advisory

• Prepare and present internal reporting materials on portfolio health, performance and emerging trends for senior stakeholders
• Provide ad-hoc credit advisory support to portfolio management teams on existing positions as needed
• Contribute portfolio-level insight and findings into wider credit and risk reporting

Continuous Improvement

• Identify and help implement improvements to credit processes, frameworks and monitoring tools
• Drive efficiency through automation, reporting improvements and AI-enabled workflows
• Contribute to ad-hoc credit projects and process initiatives where required

What We're Looking For

Essential Experience & Qualifications

• Significant experience in credit risk, credit analysis or portfolio management within a lending, private credit, or credit advisory environment
• Strong financial analysis and credit assessment skills, with the ability to review and challenge credit papers and identify key risks
• Experience with portfolio monitoring or review processes, including identifying early signs of credit deterioration
• Comfortable exercising judgement and holding delegated authority for credit decisions within defined parameters
• Excellent written and verbal communication skills, with the ability to prepare clear reporting materials and provide credit recommendations to stakeholders
• Degree-level education
• Proven ability to work autonomously, build effective relationships across teams, and constructively challenge origination and portfolio management colleagues

Desirable Experience

• Specific experience in private credit, alternative lending or direct lending (as opposed to traditional bank lending)
• Exposure to mid-market/SME lending; familiarity with wholesale lending structures
• Experience with watchlist frameworks, early warning indicators, or provisioning/impairment processes
• Experience designing or improving credit risk frameworks, monitoring tools or reporting processes
• Experience using or implementing AI-enabled tools in a credit or risk context
• Familiarity with credit documentation and risk rating tools

Personal Qualities

• Analytical and detail-oriented, with sound judgement when reviewing credit papers and portfolio data
• Confident exercising independent judgement within delegated authority, and clear about when to escalate
• A constructive challenger, able to provide credit input and push back diplomatically but firmly
• Collaborative, building strong working relationships across functions
• Clear communicator, able to distil portfolio trends and risk into reporting that's useful to senior stakeholders
• Organised, with the ability to manage multiple portfolio reviews and reporting deadlines concurrently
• Curious and proactive, with a genuine interest in improving credit processes
• Comfortable with change, particularly as this role is expected to grow in scope and ownership over time

How We Work With You

Our talent team at Get A Job.ai will guide you through the entire process. When you apply through our platform, a dedicated recruiter will screen your application and discuss the opportunity with you in detail. We'll prepare and submit your profile to our client, acting as your representative throughout the hiring process. Please do not contact the client directly—we'll manage all communications and negotiations on your behalf to ensure the best outcome for your candidacy.

Pay

Compensation details will be discussed during the screening process with our recruitment team.

Get A Job.ai is an equal opportunity recruiter. We welcome applications from all qualified candidates regardless of age, disability, gender, sexual orientation, pregnancy, race, ethnicity, religion, gender identity, or marital status.