Risk Partner – Lending

Risk Partner – Lending Step beyond traditional risk. Partner on live lending decisions, shape outcomes, and drive smart growth as a Risk Partner at Cynergy Bank. Risk Partner – Lending Shape decisions. Influence outcomes. Build the future of Risk at Cynergy Bank. Join Cynergy Bank as a Risk Partner and play a central role in shaping how we balance growth with robust, forward-thinking risk management — at pace, and with real commercial impact. What’s the opportunity? This is a permanent Risk Partner role sitting at the heart of our lending and credit activity, partnering directly with Origination, RMT, and CBF teams. You’ll operate as a true business partner, working alongside senior stakeholders on live lending decisions, ensuring risk is clearly understood, well-managed, and supports sustainable growth. This is a highly visible role where your judgement and insight will directly influence transactions, shape risk appetite, strengthen controls, and impact the bank’s long-term risk profile. Why this role stands out Real influence – Work side-by-side with lending teams and senior leaders, contributing to live deals and portfolio decisions Commercial partnering – Balance risk and opportunity, not just apply controls End-to-end exposure – From deal support to governance, incidents to forward planning Long-term impact – Shape how lending risk partnering is delivered over time How you’ll make an impact Act as a trusted Lending Risk Partner, providing insight and challenge on transactions, structures, and portfolio risk Support and influence live lending decisions, ensuring alignment to risk appetite and policy Lead and shape risk forums, driving transparency, accountability, and action Embed practical, scalable risk frameworks and monitoring approaches Own incident and issue management, ensuring meaningful insight and resolution Provide independent, credible challenge while maintaining strong relationships Deliver clear, insight-led reporting and forward-looking risk analysis What you’ll bring Experience in risk management within UK banking or financial services Exposure to lending, credit, or front-office teams Ability to influence and challenge senior stakeholders A commercial mindset with a balanced approach to risk and growth Strong understanding of risk frameworks, lending governance, and regulation Ability to simplify complexity and provide clear, actionable insight A proactive, hands-on approach, comfortable operating close to live activity Where you’ll work Hybrid working with 3 days in our London office and 2 days from home. Why join Cynergy Bank? At Cynergy Bank, risk isn’t a blocker — it’s a core enabler of smart, sustainable growth. You’ll be part of a business where: Risk is front and centre of lending decisions You’re trusted to challenge, influence, and add value You can build long-term credibility with senior stakeholders Innovation and human relationships sit side-by-side What you’ll get Competitive salary and bonus 28 days holiday (+ option to buy more) Excellent pension, healthcare, and protection benefits Hybrid working Ongoing development and exposure to senior leadership Who are we? Cynergy Bank is the UK’s human digital bank, combining personal service with smart technology to support ambitious businesses and individuals. Since 2018, we have lent over £4bn to scaling businesses and continue to evolve how banking supports growth. Final word Ready to step into a role where your judgement directly shapes lending decisions and your impact is visible across the business? Apply now and be part of a bank where risk sits at the centre of smart growth. Department Risk & Controls Locations London Remote status Hybrid Employment type Full-time Contract Type Permanent About Cynergy Bank Cynergy Bank was established in 2018 by entrepreneurs to serve the needs of business owners, property entrepreneurs and family businesses. We have a strong track record supporting businesses that want to scale up and provide over £3bn lending to scaling businesses across the UK, we also offer retail deposits to UK savers. Our vision is to provide a truly personalised service that is delivered through face-to-face relationships and enhanced by the latest technology. Founded in 2018 Co-workers 360