AVP Credit Manager, Securitisation

Job description

Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world. With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career. Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. MUFG, one of the world’s most trusted and respected financial groups, is seeking an Assistant Vice President Credit Manager for its Securitisation team in London. This role offers you the opportunity to join a global network with over 150,000 employees and a rich heritage spanning more than 350 years. As part of MUFG’s Credit Office for EMEA, you will play a pivotal role in supporting the assessment and management of credit risks within structured finance transactions, specifically focusing on securitisation. You will be empowered to make thoughtful recommendations and decisions that shape the future of credit risk frameworks across the region. MUFG is committed to nurturing talent, fostering shared growth, and providing a transparent, fair, and honest workplace culture. With flexible working opportunities, generous pension contributions, and access to extensive training programmes, this is your chance to build a rewarding career at a leading financial institution that values integrity, responsibility, and long-term relationships. Join a globally renowned financial group with a strong commitment to integrity, transparency, and sustainable growth; benefit from supportive leadership and collaborative teams. Enjoy flexible working arrangements, generous pension contributions, and ongoing training opportunities designed to help you develop your skills and advance your career. Play a key role in shaping credit risk frameworks for structured finance transactions in the EMEA region while working alongside knowledgeable professionals dedicated to excellence. What you'll do: As an Assistant Vice President Credit Manager Securitisation at MUFG in London, you will be entrusted with responsibilities that are central to the success of the Securitisation Credit Team. Your day-to-day activities will involve reviewing complex credit applications related to asset-backed finance transactions such as auto & consumer credit, RMBS, trade receivables, and other structured products. You will collaborate closely with senior colleagues to ensure recommendations are well-considered and aligned with MUFG’s risk appetite. Portfolio monitoring will be a continuous process requiring vigilance against emerging risks while adhering strictly to regulatory guidelines. You will also contribute actively to developing robust credit risk frameworks that support both shareholders’ interests and client requirements. Your role extends beyond technical analysis; you’ll represent the division at internal forums, share knowledge across teams, support strategic initiatives aimed at improving credit processes, and foster an environment where risk management is embedded into every decision. Success in this position means being dependable in delivering high-quality work under pressure, demonstrating empathy when communicating complex issues to diverse stakeholders, embracing ongoing learning about new asset classes or jurisdictions, and embodying MUFG’s values of integrity and responsibility throughout all interactions. Assist senior members of the Securitisation Credit Team by reviewing credit applications received and making balanced recommendations to senior management on transaction-specific files. Continuously monitor the portfolio in line with internal policies and applicable regulatory guidelines, ensuring timely identification of risks and early action where necessary. Support Group Heads in directing the ongoing development of CIB Credit for EMEA’s credit risk framework, risk appetite portfolio monitoring, and early warning systems. Develop knowledge across various industries, sectors, countries, players, and financial/legal structures within securitisation while committing to further learning. Demonstrate MUFG’s Risk Culture Pillars by taking accountability for identifying and mitigating risk; actively manage risk within the department; remain curious by taking proactive ownership; role model risk partnership with colleagues in both 1LOD and 2LOD; challenge existing practices positively. Represent the credit division at internal forums within the region, sharing insights and collaborating with colleagues across departments. Support strategic initiatives as an AVP within CIB Credit for EMEA by contributing to projects that enhance credit processes and frameworks. Ensure high quality written and verbal work when communicating complex credit matters to both senior management and junior staff members. Operate with urgency when prioritising tasks according to business needs while maintaining accuracy and attention to detail. Articulate and implement the vision/strategy for CIB Credit for EMEA through clear direction and effective communication with your team. What you bring: To excel as an Assistant Vice President Credit Manager Securitisation at MUFG London, you will bring proven expertise from previous roles involving credit or structuring responsibilities within financial institutions—ideally focused on securitisation transactions. Your familiarity with asset classes such as auto & consumer credit or RMBS will enable you to assess complex deals confidently. A solid foundation in corporate banking or structured finance ensures you understand both market dynamics and legal implications affecting these products. Your ability to communicate clearly—both verbally and in writing—will be essential when presenting recommendations or collaborating across departments. Academic credentials such as a Bachelor Degree (with preference given to candidates holding a Masters Degree) demonstrate your commitment to professional development. Interpersonal skills are vital: you must be empathetic when engaging colleagues at all levels while remaining open-minded about learning new frameworks or adapting quickly to regulatory changes. Dependability is key—you’ll need a results-oriented mindset paired with accountability for outcomes delivered under pressure. Logical thinking supports your analytical work while strong numerical abilities guarantee accuracy in assessments. Advanced Microsoft Office proficiency rounds out your toolkit for producing insightful reports that inform decision-making. Comprehensive understanding of asset classes including auto & consumer credit, RMBS (Residential Mortgage-Backed Securities), trade receivables, working capital (receivables/asset backed) transactions, or other structured products. Solid background in corporate banking or structured finance roles involving credit assessment responsibilities. Strong knowledge of credit assessment principles as well as market and legal aspects relevant to securitisation transactions. Ability to communicate effectively with both senior management and junior staff members using clear written and verbal skills. Bachelor Degree required; Masters Degree preferred for advanced analytical capabilities. Excellent interpersonal skills enabling collaboration across teams; willingness to learn new asset classes or regulatory frameworks as they emerge. Results-driven approach combined with accountability for outcomes; proactive attitude towards managing workload efficiently under time constraints. Structured logical thinking applied consistently throughout work processes; strong numerical skills underpinning accurate analysis. Advanced proficiency in Microsoft Office tools used for reporting or analysis. What sets MUFG apart MUFG stands apart as one of the world’s leading financial groups thanks to its unwavering commitment to integrity, transparency, fairness, and responsibility. With over 350 years of history behind it—and operations spanning more than 50 countries—MUFG offers employees unparalleled opportunities for personal growth within a truly global network. The organisation’s vision is clear: be the world’s most trusted financial group by attracting talented individuals who share its values. Employees benefit from flexible working arrangements tailored around their needs alongside generous pension contributions that secure their future wellbeing. Training opportunities abound so you can continually expand your skillset while advancing your career within supportive teams led by knowledgeable professionals who value collaboration above all else. MUFG fosters an inclusive environment where everyone is encouraged to connect meaningfully with colleagues across regions—building lasting relationships that serve society as well as clients’ interests. By joining MUFG you become part of an institution dedicated not only to financial excellence but also shared sustainable growth for a better world. What's next: If you are ready to take your career forward with one of the world’s most respected financial institutions—and want your expertise in securitisation credit management recognised—this is your moment! Apply today by clicking on the link provided. We are open to considering flexible working requests in line with organisational requirements. MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership. We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.