Working directly with OakNorth's Chief Lending Officer and the broader lending team, you will be the driver for how we scale our UK and US lending businesses.

Responsibilities

• Drive the lending roadmap: Translate our lending priorities and strategy into an executable roadmap across the UK and US in support of our scaling mandate
• Build the commercial engine: Own and strengthen the commercial engine and our sales operation processes across the funnel, with the overall goal of widening top of funnel and improving conversion rates
• Manage a small team across marketing, revenue operations and sales enablement

The Profile

We are open on background. You may have worked as an Operating Partner, Chief of Staff, Strategy & Operations leader, business builder or general manager.

You will bring:

• A track record of leading complex, cross-functional initiatives from idea to outcome
• A strong systems thinker with sound commercial judgement and analytical ability
• Enough commercial and credit fluency to earn credibility with senior dealmakers and engage seriously with how deals are originated, structured and underwritten
• The ability to move comfortably between strategy and operational detail
• An entrepreneurial approach and confidence building without a playbook
• High energy, low ego and a bias for action
• Comfort with ambiguity, pace and accountability
• Strong preference for experience in financial services - banking, private equity, a credit fund or similar

Benefits & Perks

• Equity , we want everyone to have a stake in the business so our interests are aligned
• 25 days holiday plus personalised benefits , opt in to what matters to you
• Subsidised private medical insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events, plus in-house Barista Bar in the London office
• Volunteering time off to support causes that matter to you
• Salary sacrifice schemes , cycle to work, nursery, gym, and electric car scheme

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The Application Security Engineer is a hands-on, full-stack security role focused on fixing the hardest application and AI security problems , particularly those that cross team boundaries or involve architecture, authentication, and authorisation that automation cannot yet safely resolve.

You will take remediation load away from engineering teams so they can stay focused on delivery, working closely with the teams that detect, prioritise, and track vulnerabilities.

Responsibilities:

• Fix complex application security vulnerabilities directly, including architectural weaknesses and issues in legacy technology that automated remediation cannot yet handle safely.
• Lead remediation of problems that cross team and system boundaries, coordinating changes across multiple owners and services and seeing them through to resolution.
• Resolve authentication and authorisation weaknesses, including identity, access control, session and token handling, service-to-service trust and permission models.
• Act as a dedicated delivery vehicle for security remediation, reducing the fix burden on engineering teams so they can focus on product delivery.
• Interpret the output of security tooling (e.g., SAST, DAST, SCA, secrets, container and IaC scanning), validate findings, identify root causes and implement the right fix rather than only triaging.
• Secure agentic and AI-enabled systems, assessing and mitigating risks such as those in the OWASP Top 10 for Agentic Applications, including prompt injection, excessive agent permissions, tool misuse, insecure agent-to-agent communication and unsafe handling of agent outputs.
• Contribute to the development of our internal coding agent platforms, including remediation agents, by supplying specialist fixes, remediation patterns, evaluation cases and feedback on where agents succeed or fail.
• Define and build guardrails for agent-generated and human-written changes (e.g., least-privilege agent access, human approval points, secure defaults, shared libraries, pipeline checks and policy-as-code) so that changes are safe and vulnerabilities do not recur.
• Build and secure GitHub workflows and release pipelines, including GitHub Actions hardening, secrets and token handling, branch protection, dependency and supply chain controls, and security gates in CI/CD.
• Plan and deliver higher-risk changes safely, including testing, peer review, rollout and rollback approaches, in partnership with the teams that own the systems.
• Work with the teams that detect, prioritise and track vulnerabilities to take prioritised findings through to remediation, and identify recurring fix types that can be automated safely.
• Document remediation approaches, share knowledge and coach engineers on secure design, secure coding and the safe use of AI coding agents.
• Report on remediation progress, including backlog reduction, SLA performance and risk reduction, and provide evidence to support audit and regulatory requirements.

Requirements:

• Full stack engineering experience across front end, back end and APIs, with proficiency in one or more languages (e.g., Java, Python, C#, JavaScript/TypeScript) and the ability to work in unfamiliar and legacy codebases.
• Strong hands-on experience with GitHub (pull requests, code review, branch protection, code scanning) and GitHub Actions, including building and securing release pipelines.
• Working knowledge of cloud platforms, containers and infrastructure as code.
• Ability to review code, find vulnerabilities and implement practical, correct fixes.
• Strong application security knowledge, including the OWASP Top 10 and common vulnerability classes such as injection, broken access control, insecure deserialization and cryptographic weaknesses.
• Deep understanding of authentication and authorisation, including OAuth 2.0, OIDC, SAML, JWT and session handling, RBAC/ABAC models and service-to-service identity.
• Hands-on experience interpreting application security tooling output (SAST, DAST, SCA, secrets, container and IaC scanning), distinguishing true and false positives and finding root cause.
• Understanding of CI/CD and software supply chain security, including GitHub Actions risks such as untrusted input, over-privileged tokens and third-party action pinning.
• Day-to-day experience using coding agents such as Claude to write, review and fix code, with sound judgement on where they are reliable and where they are not.
• Knowledge of and informed opinions on the OWASP Top 10 for Agentic Applications and related AI security risks, including prompt injection, tool and permission abuse, data leakage and agent identity.
• Ability to design guardrails, permission boundaries and evaluation approaches for AI agents and agent-generated changes.
• Ability to turn manual fixes into repeatable patterns and test cases that agent platforms can use.
• Experience fixing architectural and design-level security issues, and making safe changes in systems with limited tests, documentation or clear ownership.
• Ability to plan and deliver changes that span multiple teams and services, managing dependencies and risk.
• Sound judgement on testing, rollout and rollback for higher-risk changes.
• Ability to work as a trusted partner to engineering teams, explaining why a fix is needed and making it easy to adopt.
• Influence without direct authority across teams that own the affected systems, including stakeholders in different locations and time zones.
• Clear written and verbal communication, including documentation and progress reporting.

Benefits:

• Health & Protection: Medical cover for you, your family & parents; life and accidental cover at a multiple of your salary
• Wellbeing: Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and an Employee Assistance Programme , all sponsored
• Time Off: Earned, casual/sick leave, public holidays, maternity & paternity leave
• Life Milestones: A financial gesture of support at marriage, childbirth, and bereavement
• Flexible Benefits: Tax-efficient allowances for internet, fuel, meals, leave & travel, and NPS
• Growth: Professional certification support, learning & development opportunities, childcare benefits, and paid volunteering days
• Our Workplace: Modern central offices, weekly business updates, team events, and great coffee , we work hard to build a culture worth showing up for

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The Salesforce/nCino Engineer will create well-structured technical designs for assigned user stories/tasks, considering existing implementations and customer perspectives.

Responsibilities:

• Analyse user stories, understand requirements, and raise concerns about technical and functional gaps
• Provide accurate estimates for user stories
• Create well-structured technical designs for assigned user stories/tasks
• Develop test classes with optimum code coverage
• Develop high-quality, simple, maintainable, optimized, and extensible Salesforce platform-based solutions
• Perform unit testing and resolve identified bugs efficiently
• Communicate progress and risks to stakeholders
• Create documentation and help teammates as needed
• Be flexible to extend working hours in critical phases

Requirements:

• 5+ years of relevant experience
• Experience working in an Agile/Scrum development process
• Well-versed in nCino and Commercial Lending domain
• Proficient in Lightning Framework, Lightning App Builder, Apex Classes, Aura Components, LWC, SOQL, Visualforce, and JavaScript
• Experience with Salesforce Platform Events, CDC, REST, and SOAP-based API integrations
• Familiarity with CI/CD, GitHub, Salesforce Reports, and Dashboards
• Working knowledge of JIRA and Confluence
• Experience developing with VSCode
• Excellent communication skills

Nice to Have:

• Ability to assess problems that can be addressed using standard nCino features
• Experience designing and creating CI/CD pipelines
• Knowledge of Apex Enterprise Patterns and Apex Design Patterns

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We’re looking for a Senior Associate to join our Debt Finance team in Manchester, supporting lending to private equity and owner-managed businesses. You’ll bring the analytical depth to understand how a business makes and uses cash, and the judgement to help shape lending solutions around its debt and working-capital needs.

This is a hands-on, high-ownership role. You’ll lead day-to-day analysis and execution across complex transactions, working closely with senior originators and credit colleagues from initial assessment through structuring, credit approval and completion. You’ll take responsibility for moving deals forward, communicating clearly and maintaining strong credit discipline throughout.

Responsibilities

• Assess new opportunities involving businesses, developing a clear view of the business model, sector, management team, financial and credit profile.
• Build and review financial models, including cash-flow forecasts, debt sizing, repayment capacity, sensitivities and downside scenarios.
• Identify the key risks in a transaction and develop practical mitigants.
• Shape and challenge facility structures and terms with originators, credit and other stakeholders, balancing customer needs with OakNorth’s risk appetite.
• Own day-to-day deal workstreams, coordinating diligence, analysis, credit papers, committee materials, term sheets, legal documentation and completion requirements.
• Present clear analysis and recommendations to senior stakeholders, and contribute to credit discussions with well-reasoned judgement.
• Build trusted relationships with borrowers, advisers and intermediaries, and contribute to developing a high-quality pipeline of opportunities.
• Review work and share your expertise with junior colleagues, helping strengthen the quality and consistency of the team’s analysis and execution.
• Work closely with colleagues across debt finance, credit, legal and portfolio teams to support a smooth transition from origination through completion and ongoing monitoring.

Requirements

• Strong experience in accountancy, commercial lending, debt finance or a closely related area, with the ability to take ownership of complex transaction workstreams.
• Relevant exposure to businesses and their financing needs
• Excellent financial analysis and modelling skills, including cash-flow assessment, debt sizing and downside analysis.
• Sound credit judgement and the ability to identify the risks that matter, test assumptions and explain your conclusions clearly.
• Experience preparing or reviewing credit papers, committee materials, term sheets or transaction documentation.
• Confidence managing multiple stakeholders and workstreams, keeping transactions moving while maintaining accuracy and attention to detail.
• Clear written and verbal communication, with the confidence to explain complex analysis to both specialist and non-specialist audiences.
• A collaborative, low-ego approach and a genuine interest in supporting the development of colleagues around you.

Particularly useful experience

• Lending
• Working-capital

What you can expect

• Meaningful ownership of live transactions and the opportunity to influence how lending solutions are structured.
• Close partnership with experienced originators and credit colleagues, with access to senior decision-makers.
• A varied portfolio of businesses and financing situations, with scope to deepen your expertise in trading and wholesale lending.
• A collaborative team environment that values commercial thinking, sound judgement and high standards of execution.

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Responsibilities:

• Prepare accurate and timely monthly and quarterly MIS, management packs, and board and executive presentations
• Draft management commentary and narratives that explain performance trends, highlight risks and opportunities, and translate financials into actionable business implications
• Partner with business and functional leaders to manage cost budgets, track headcount, and monitor operating expenses
• Oversee monthly P&L tracking and closing, working closely with the Controllership team
• Engage and communicate effectively with the Global CFO and Senior Management, providing clear, concise, and actionable insights
• Support financial planning, forecasting, and scenario analysis, building robust models to underpin decision-making
• Contribute to external reporting and investor relations, including quarterly results, board materials, fundraising initiatives, and due diligence processes
• Build scalable reporting frameworks, leveraging automation and visualisation tools

Requirements:

• 6+ years of experience in FP&A and/or Equity Research, preferably within banking or fintech
• Proven expertise in budgeting, forecasting, scenario planning, and variance analysis
• Advanced Excel skills, including financial modelling and automated templates
• Hands-on experience with dashboarding and visualisation tools such as Power BI or Tableau
• Excellent storytelling, influencing, and partnering skills
• Chartered Accountant or MBA (Finance) from a reputable institution

Nice to Have:

• Familiarity with AI and automation solutions for forecasting, scenario planning, insight generation, and commentary writing
• Experience contributing to investor relations, fundraising materials, or board-level reporting
• Exposure to strategic planning and long-term financial modelling in a multinational environment

What We Offer:

• Comprehensive medical cover
• Annual health check-ups
• Online doctor consultations
• Pharmacy discounts
• Nutritionist support
• Employee Assistance Program (EAP) services
• Earned leave
• Casual/sick leave
• Public holidays
• Maternity leave
• Paternity leave
• Financial support for important life events
• Flexible benefits
• Support for professional certifications
• Learning and development opportunities

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Responsibilities:

• Run marketing-led outbound campaigns across multiple channels
• Research accounts and personalise outreach
• Feed back on campaign performance to improve future campaigns
• Qualify inbound leads and route them to the right Originator
• Nurture relationships with prospects and referrers over time
• Maintain accurate CRM records and provide weekly pipeline reporting

The ideal candidate has 1-4 years of experience in Sales/Business Development, preferably in a banking or fintech industry. You should have a basic understanding of finance to qualify leads properly and be able to work to targets in an outbound role.

What this role is not:

• It is not a closing role; you will not negotiate or sign facilities
• It is not a volume-dialling role; hard-selling outreach damages the company's standing
• It is not a role that pays for activity; booking a meeting is not the finish line

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We are seeking a Staff Engineer to lead our Salesforce/nCino engineering team in Gurugram. You will own the technical direction of the platform, lead complex work, and be the main engineering contact for stakeholders.

Responsibilities

• Lead integration modernisation: Move nCino integrations off MuleSoft onto direct integrations.
• Plan and lead nCino release upgrades, including impact analysis and rollout.
• Own production stability: Lead incident response, root-cause analysis, and fixes.
• Deliver regulatory changes in nCino, such as Basel 3.1 requirements.
• Design and build integrations between nCino and other services.
• Lead data privacy work, such as record anonymisation.
• Enable standard nCino features instead of building custom code.
• Grow automated test coverage and improve CI/CD for Salesforce deployments.
• Keep technical documentation current and tidy up technical debt.

Requirements

• 12+ years of Salesforce engineering experience, including 3+ years on nCino or similar.
• Hands-on skills in Apex, Lightning Web Components, SOQL/SOSL, Flows, and Platform Events.
• Strong knowledge of the nCino data model and features.
• Experience with integration design, Salesforce security model, and DX.
• Proven technical leadership and communication skills.

Nice to Have

• Salesforce and nCino certifications.
• Understanding of commercial lending products and processes.
• Experience with data warehouses and AI-assisted development tools.

What We Offer

• Health and protection benefits.
• Wellbeing programs.
• Time off policies.
• Life milestones support.
• Flexible benefits.
• Growth opportunities.
• Modern office spaces and great work culture.

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Responsibilities

• Own day-to-day accounting, month-end closing, and periodic reporting in accordance with IFRS and Indian GAAP.
• Manage end-to-end accounting, valuation, and bank reconciliations for complex financial instruments including Investments, Borrowings, Loans, Deposits, and Derivatives (hedging compliance).
• Prepare Balance Sheet and P&L items including prepayments, accruals, depreciation runs, intercompany entries, and other month-end journals.
• Lead Fixed Assets and Intangible accounting, related schedules, and physical verifications; maintain General Ledger, vendor, and bank reconciliations.
• Support Statutory and Internal audits, preparing schedules, responding to auditor queries, and drafting internal notes/memos for approvals and audit evidence.
• Drive process standardisation and automation using data tools and AI-enabled solutions in treasury and accounting workflows; draft and maintain Standard Operating Procedures (SOPs).
• Collaborate with cross-functional teams (FP&A, Operations, Legal, Credit/Portfolio Monitoring, Treasury, and the business) to identify process improvement opportunities and enhance the control environment.
• Prepare test scenarios and perform testing for system automation projects; assist with ad hoc projects as required.

Requirements

• CA (Fresher)/CPA/MBA in Finance with 1-5 years of progressive experience demonstrating strong accounting expertise and advanced financial analytical skills.
• Strong Microsoft Excel and MS Office skills with a focus on reporting automation; ability to prioritise and manage multiple workflows simultaneously.
• Excellent verbal and written communication and interpersonal skills, with experience working across multiple functions and geographies in a fast-paced organisation.
• Self-driven, proactive, and results-oriented mindset with a continuous improvement outlook; comfortable operating at scale with a hands-on attitude and big-picture thinking.

Benefits

• Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary.
• Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services , all sponsored by OakNorth.
• Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.
• Financial support for important life events such as marriage, childbirth, and bereavement.
• Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions.
• Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days.
• Modern, centrally located offices, weekly business updates, team events, and great coffee.

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Based in London, you will help shape the real estate deals we do, the people we develop and how we work across the UK market, while keeping sound credit judgement at the heart of every decision.

This is a role for someone who wants to build, not just oversee. You will work closely with our Debt Finance Originators to understand customers’ ambitions and find the right structure for their transactions, making and sanctioning credit decisions and bringing an independent view to Credit Risk Committee.

The opportunity goes beyond individual deals. You will lead our Real Estate Credit Risk teams, oversee portfolio risk and help shape how we approach real estate credit as we grow internationally.

We also want your ideas. How could AI improve our analysis? Where could better data help us spot risk sooner? What should we stop doing so the team can spend more time on the decisions that matter? You will help turn those ideas into practical changes.

Shape real estate credit across OakNorth

• Work with senior Lending and Credit Risk colleagues to support growth across all markets, with clear views on the opportunities we should pursue and the risks we should take.
• Help shape our approach to real estate credit, combining consistent underwriting standards with an understanding of local markets, deal structures and regulation.
• Stay close to transactions and the portfolio, and build the team’s capability as the business grows.

Credit decisions and sanctioning

• Make and sanction decisions on new transactions, amendments and other material credit matters within your delegated authority.
• Assess deal structure, leverage, cash flow, security, sponsor strength and downside risk.
• Work with Debt Finance Originators from the early stages of a deal, helping shape terms and structures that work for the customer and meet our risk appetite. Provide clear, timely credit feedback and be direct when a transaction is not right for us.
• Take responsibility for complex or higher-risk cases, including when information is incomplete or circumstances are changing.
• Record decisions clearly, with a sound rationale.

Credit Risk Committee

• Play an active role in Credit Risk Committee and chair where appropriate, bringing a solutions-focused, commercial mindset and independent credit judgement to UK real estate decisions. Help shape our real estate credit appetite, find workable structures for good lending opportunities and keep decisions moving at pace without compromising credit standards.
• Challenge the key assumptions and risks, including how individual deals affect portfolio concentrations.
• Bring a clear view and be prepared to challenge senior colleagues.

Build and lead the team

• Lead our Real Estate Credit Risk teams, giving people clear responsibility and expecting high standards.
• Develop credit professionals who can think for themselves, form a view and stand behind a decision.
• Coach colleagues through complex transactions and give future leaders the experience to take on more responsibility.
• Bring the teams together across markets, and recruit and retain the people we need for our next stage of growth.

Use AI and data to improve credit work

AI and technology should be part of how we do credit work, not a separate project. You will help the team:

• spend less time gathering information and preparing credit analysis and committee papers
• use data to identify portfolio risks earlier
• automate repetitive tasks and test tools that improve the quality and speed of our work

You do not need a technical background. We do expect curiosity, a willingness to test new approaches and the judgement to know where they add value.

What we are looking for

You will have substantial experience underwriting and sanctioning complex commercial real estate transactions. Direct experience of making credit decisions is essential; policy or governance experience alone is not enough.

You will bring:

• deep knowledge of real estate lending across different asset classes and transaction types
• sound judgement on deal structure, sponsors, security, cash flow and downside risk, alongside an understanding of portfolio exposures
• experience on senior Credit Risk Committees and the confidence to challenge senior Lending colleagues
• a track record of leading and developing credit teams
• Experience in UK or across more than one lending market, would be an advantage.

Working at OakNorth

We were founded by entrepreneurs, for entrepreneurs. Our customers have ambitions for their businesses, and we look for ways to help them get there. That takes curiosity, commercial understanding and the willingness to look beyond the obvious answer.

You should enjoy that kind of work: getting into a complex deal, challenging assumptions and finding a structure that others may have missed. Just as importantly, you need the independence to say no when the risk is not right.

We move quickly and expect people to take ownership. You will have room to put ideas into practice, challenge established ways of working and develop your team. In return, we expect clear decisions, disciplined risk judgement and responsibility for the outcome.

If you want to help grow a lending business, develop strong credit leaders and change how credit work gets done, this is an opportunity to do all three.

Benefits & Perks

• Equity , we want everyone to have a stake in the business so our interests are aligned
• 25 days holiday plus personalised benefits , opt in to what matters to you
• Subsidised private medical insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events, plus in-house Barista Bar in the London office
• Volunteering time off to support causes that matter to you
• Salary sacrifice schemes , cycle to work, nursery, gym, and electric car scheme

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Responsibilities:

• Lead multiple AI-native pods while staying hands-on: coding, reviewing and pairing.
• Manage stakeholders at every level, from product and commercial to risk and senior leadership, setting expectations and negotiating trade-offs.
• Turn customer and business needs into products that land, bringing stakeholders with you from idea to launch.
• Own technical delivery and measure success by business impact, not lines of code.
• Design simple, resilient, scalable event-driven systems: you build it, you run it.
• Break complex problems into incremental, shippable steps with clear domain boundaries.
• Shape platform-wide architecture with an eye on wider business impact.
• Coach and mentor engineers by example.
• Use GenAI to move faster and decide better and help set the direction for how it’s embedded across the organisation.

Technology:

• Python, NodeJS
• TypeScript, React, styled components
• PostgreSQL, BigQuery, MySQL
• Jest, React Testing Library, Cypress, pytest
• AWS, GCP
• Docker, Terraform, GitHub, CircleCI

How we expect you to work:

• Collaborate - We work in cross-functional, mission driven, autonomous squads that gel over time. We pair program to work better through shared experience and knowledge.
• Focus on outcomes over outputs - Solving a problem for users that translates to business results is our goal. Measurements focused on that goal help us to understand if we are succeeding.
• Practice continuous improvement - We optimise for feedback now, rather than presume what might be needed in the future and introduce complexity before it will be used. This means we learn faster. We share learnings in blame-free formats, so that we do not repeat things that have failed, but still have confidence to innovate.
• Seek to understand our users - We constantly seek understanding from data and conversations to better serve our users' needs, taking an active part in research to hear from them directly and regularly.
• Embrace and enable continuous deployment - Seamless delivery of changes into an environment - without manual intervention - is essential for us to ensure that we are highly productive; consider resiliency; and practice security by design.
• Test outside-in, test first - TDD keeps us confident in moving fast and deploying regularly. We want to solve user problems, and so we test with that mindset - writing scenarios first, then considering our solution; coupling tests to behaviour, rather than implementation.
• You build it, you run it - We embrace DevOps culture and end-to-end ownership of products and features. Every engineer, regardless of their role, can lead delivery of features from start to finish.
• Be cloud native - We leverage automation and hosted services to deliver resilient, secure services quickly and consistently.

Benefits & Perks:

• 25 days holiday
• Personalised benefits , opt-in to what matters to you
• Subsidised Private Medical Insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events
• In-house Barista Bar , London office
• Volunteering time off , support causes that matter to you
• Salary sacrifice schemes , cycle to work, nursery, gym, electric car scheme

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You will conduct detailed analysis of loan opportunities spanning major property types , Residential, Office, Retail, Industrial, Lodging, and Healthcare , building financial models, drafting credit reports, and engaging directly with clients and stakeholders throughout the credit process.

Responsibilities:

• Conduct detailed analysis of loan opportunities across all major CRE property types.
• Draft concise, well-structured credit reports with clear key takeaways.
• Build detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis, and credit metrics.
• Conduct sensitivity analysis and stress testing on projections.
• Identify deal-specific covenants.
• Conduct detailed industry and market studies.
• Review and evaluate third-party reports.
• Interact with clients and stakeholders.

Requirements:

• 5–8 years of relevant experience in credit analysis, CRE finance, or a related role.
• Strong financial analysis skills.
• Strong understanding of Commercial Real Estate.
• Proven ability to draft clear, concise, and well-reasoned credit reports.
• Strong communication skills.
• A proactive, results-driven mindset.

Nice to Have:

• MBA, PGDM, CA, or CFA.
• Experience across both UK and US CRE markets.
• Prior exposure to covenant structuring or loan monitoring frameworks.
• Familiarity with cost budget review and construction lending analysis.

Benefits:

• Comprehensive medical cover.
• Wellbeing programs.
• Time off policies.
• Life milestones support.
• Flexible benefits.
• Growth and development opportunities.

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We're looking for an Intern to join our Regulatory Reporting and Treasury team for a 9-month placement, with an immediate start. You'll support the production of a broad range of regulatory returns , including liquidity, capital, and balance sheet-driven submissions , alongside management information and treasury ALCO packs.

Responsibilities

• Support production of monthly and quarterly liquidity returns including NSFR, LCR, ALMM, and PRA110, with reconciliation to financials.
• Assist with balance sheet-driven regulatory returns including FINREP, PRA108, and Bank of England statistical returns (BT, ELS, GT, AD, AL, BE, CC, PL).
• Contribute to additional exposure-related returns including FSA015, PRA loan book data, asset encumbrance, and mortgage returns (MLAR).
• Support capital and RWA reporting including own funds, credit exposure returns, leverage ratio, and large exposures.
• Assist in the preparation of pre-defined and ad hoc management information as directed by the manager.
• Support production of treasury ALCO packs.
• Ensure accuracy, timeliness, and completeness of all reporting; highlight gaps or errors in processes or logic and actively contribute to improvements.
• Support the Pillar 3 document publication process and assist with stress testing, ICAAP, and ILAAP activities.

Requirements

• CA intermediate cleared and Article ship completed from a reputed firm.
• A strong foundation in financial and accounting concepts, with an interest in regulatory reporting and treasury functions.
• High attention to detail with a commitment to accuracy and completeness in all work produced.
• Strong organisational skills with the ability to manage multiple reporting deadlines simultaneously.
• A proactive approach to identifying and resolving process gaps, with a continuous improvement mindset.

Nice to Have

• Prior exposure to regulatory reporting frameworks such as PRA, Bank of England returns, or Basel III metrics.
• Familiarity with liquidity and capital concepts including LCR, NSFR, or RWA calculations.
• Experience working with financial data in Excel or other reporting tools.

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Responsibilities

• Manage end-to-end Accounts Payable operations including invoice processing, approvals, reconciliations, and vendor, intercompany, and tax payments across India, UK, and US entities.
• Ensure accurate accounting and tax compliance for all invoices, including GST, TDS, UK VAT, and US sales/use tax requirements.
• Complete payment runs, vendor reconciliations, and resolve supplier escalations, ensuring timely and accurate payments at all times.
• Support month-end and year-end close processes, AP reporting to internal and external stakeholders, and statutory and government reporting requirements.
• Ensure compliance with internal controls, audit requirements, company policies, and regulatory standards.
• Drive process standardisation and automation using AP automation tools and AI-enabled solutions for invoice processing, exception management, and analytics.
• Collaborate with Procurement, Finance, Tax, Treasury, and business stakeholders to improve operational efficiency and vendor experience.
• Coordinate with Treasury to ensure timely domestic and international supplier payments; support cash flow forecasting, working capital management, payment reconciliation, and banking issue resolution.

Requirements

• 5 - 9 years of Accounts Payable experience, preferably in a multinational or shared services environment.
• Strong knowledge of AP operations across India, the UK, and the US, including GST, TDS, UK VAT, and US sales/use tax compliance.
• Proficiency in ERP platforms such as NetSuite, SAP, Oracle, or Microsoft Dynamics.
• Advanced Microsoft Excel skills including Pivot Tables, XLOOKUP, Power Query, Power Pivot, dashboards, and data analysis.
• A detail-oriented, process-driven mindset with a genuine commitment to accuracy, compliance, and continuous improvement.

Benefits

• Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary.
• Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services.
• Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.
• Financial support for important life events such as marriage, childbirth, and bereavement.
• Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions.
• Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days.
• Modern, centrally located offices, weekly business updates, team events, and great coffee.

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Responsibilities

• Lead sourcing and tendering activities for new and renewing supplier engagements.
• Manage contract lifecycle activities in collaboration with Legal.
• Support category management across key spend areas.
• Create and process purchase requisitions in NetSuite.
• Manage end-to-end supplier due diligence.
• Manage vendor onboarding and offboarding.
• Maintain trackers for supplier due diligence and spend.
• Support preparation of procurement dashboards and management reports.
• Serve as the key liaison between internal stakeholders and external suppliers.

Requirements

• 3–5 years of experience in procurement operations or supplier management.
• Hands-on experience with NetSuite and Salesforce.
• Strong Excel skills including pivot tables, VLOOKUP, and data analysis.
• Understanding of third-party risk management, procurement compliance frameworks, and ESG principles.

Nice to Have

• Familiarity with AI/ML tools.
• Experience with supplier due diligence processes.
• Exposure to category management.

What We Offer

• Comprehensive medical cover.
• Wellbeing programs including annual health check-ups and Employee Assistance Program services.
• Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.
• Financial support for important life events.
• Flexible benefits including tax-efficient allowances.
• Support for professional certifications and learning and development opportunities.

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The Portfolio: Our portfolio includes residential and commercial real estate, student accommodation, co-living and retirement living, and property-backed hotel and healthcare loans, with facilities ranging from investment, transitional, development and buy-to-let loans, to lender finance, including revolving credit facilities (RCFs) and loan-on-loan facilities to real estate lenders.

What You'll Do:

• Monitor the book: annual reviews, quarterly covenant testing, early warning signs and forward-looking stress testing.
• Manage RCFs and loan-on-loan facilities: approve new underlying loans against agreed criteria and monitor look-through LTV and interest cover, arrears and defaults across the underlying book.
• Make in-life credit decisions: approve drawdowns, annual reviews, valuations, waivers consents and extensions within your delegated authority.
• Manage distress: spot underperformance early, agree a clear strategy and lead negotiations with borrowers, sponsors and advisers.
• Present to credit committee: review and recommend credit papers and present them verbally.
• Lead the team: manage, develop and coach a team of Directors.
• Work with the India analyst team: direct day-to-day work, review outputs, coach analysts and work across time zones.

What You'll Bring:

• Extensive (10-15 Years) UK real estate lending or portfolio management experience.
• Experience of revolving credit, loan-on-loan or lender finance facilities.
• Strong credit appraisal, financial analysis and modelling skills.
• Experience of managing underperforming and distressed credits.
• A track record of negotiating confidently and presenting clearly.

What We Offer:

• Equity
• 25 days holiday plus personalised benefits
• Subsidised private medical insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events, plus in-house Barista Bar in the London office
• Volunteering time off

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The successful candidate will combine deep technical credit expertise with strong commercial judgement and enjoy being close to transactions, customers, and decisions that matter.

Responsibilities:

• Shape credit decisions: Lead the independent assessment and challenge of new lending opportunities across UK Trading Businesses, ensuring robust credit recommendations that balance risk and commercial opportunity.
• Influence deal structuring: Partner with Debt Finance Origination and Credit Analytics from an early stage to identify key risks, challenge assumptions, and help structure transactions that work for both OakNorth and its customers.
• Drive high-quality Credit Committee discussions: Prepare and present clear, well-reasoned credit recommendations to Credit Committee, providing constructive challenge and supporting informed decision-making.
• Assess complex transactions: Evaluate a broad range of cash-flow lending, acquisition finance, leveraged and sponsor-backed transactions, applying strong financial analysis and credit judgement.
• Engage directly with customers: Work alongside origination teams in customer discussions, providing an early view on credit appetite, transaction structure, and potential risks.
• Protect portfolio quality: Work closely with Portfolio Management on existing exposures, including loan increases, extensions, covenant resets, restructurings, and emerging risks.
• Support transaction execution: Review term sheets, security structures, and key legal documentation, working closely with Legal and Loan Execution teams to ensure appropriate risk protections.
• Provide independent judgement: Bring a balanced, pragmatic approach to credit risk, knowing when to support a transaction, when to challenge, and when to recommend declining an opportunity.
• Help shape how we work: Contribute to the continued development of our credit risk capabilities, using data, technology, and AI to improve the quality and efficiency of credit assessment and decision-making.

Requirements:

• Minimum 10 years' experience in corporate or commercial credit risk, ideally within a bank, challenger bank, or specialist lending institution.
• Strong understanding of UK cash-flow lending, with experience assessing complex corporate transactions, including acquisition finance, leveraged finance, M&A, MBO/MBI, and sponsor-backed lending.
• Excellent financial analysis skills, including the ability to assess business models, cash-flow forecasts, debt capacity, covenant structures, and downside scenarios.
• A strong track record of exercising independent credit judgement, challenging deal structures, and influencing senior credit decisions.
• Experience preparing and presenting complex credit recommendations to senior Credit Committees, with the confidence to challenge proposals and engage with senior stakeholders.
• Strong understanding of credit risk frameworks, including covenant setting, portfolio risk management, and key credit risk measures such as RWA, PD, and LGD.
• Commercial awareness and the ability to balance disciplined risk management with supporting ambitious businesses.
• Strong communication, negotiation, and stakeholder management skills, with the ability to build effective relationships across origination, credit, and wider business teams.
• A pragmatic, entrepreneurial mindset , someone who can cut through complexity, take ownership, and operate effectively in a fast-moving environment.
• An interest in how technology, data, and AI can improve credit risk management and lending decisions.

Nice to Have:

• Experience across sectors such as healthcare, hospitality and leisure, manufacturing, financial intermediaries, or other specialist lending markets.
• Exposure to restructuring, recoveries, or managing complex credit situations.
• Experience working directly with business owners, management teams, private equity sponsors, or financial advisers.

Benefits:

• Equity , we want everyone to have a stake in the business so our interests are aligned
• 25 days holiday plus personalised benefits , opt in to what matters to you
• Subsidised private medical insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events, plus in-house Barista Bar in the London office
• Volunteering time off to support causes that matter to you
• Salary sacrifice schemes , cycle to work, nursery, gym, and electric car scheme

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Working closely with the Transaction Execution Team, you will manage documentation, coordinate signatures, maintain trackers and ensure that deals progress seamlessly from execution through to handover , all with exceptional attention to detail and a commitment to excellence.

Responsibilities

• Lead the management of digital signatures of documents generated by all teams during the lending lifecycle
• Coordinate physical wet ink signatures with members of the team in London
• Oversee and maintain various trackers for the Transaction Execution Team to ensure all timelines in their V2MoMs are met
• Track the registration of OakNorth Bank's security at Companies House, the United Kingdom's registrar of companies
• Track and manage deal handovers from the Transaction Execution Team to the Portfolio Management Team
• Ensure all Transaction Execution Team members manage their post-completion tasks across all lending transactions
• Oversee trackers for amendments and amended and restated facility agreements for the Portfolio Management Team
• Arrange and manage meetings and diary invites for internal and external meetings for members of the Transaction Execution Team

Requirements

• A genuine passion for delivering excellence in service and quality
• Extreme attention to detail with strong ability to synthesise and distil complex documents
• Strong spoken English skills and good commercial acumen
• Strong interpersonal and communication skills with the ability to work effectively and influence across teams
• Excellent ability to create, compose and edit written materials
• Proficiency in data compilation, document analysis and drawing well-reasoned conclusions
• Outstanding organisational and project management skills
• A graduate degree with a minimum of 5–7 years of relevant experience

Nice to Have

• Proactive, flexible and creative mindset , thinks outside the box and is result-driven
• Ability to work outside of your comfort zone and develop new areas of proficiency
• Ability to thrive and lead in a culture where change and speed are part of daily work

What We Offer

• Health & Protection: Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary.
• Wellbeing: Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services , all sponsored by OakNorth.
• Time Off: Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.
• Life Milestones: Financial support for important life events such as marriage, childbirth, and bereavement.
• Flexible Benefits: Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions.
• Growth & Development: Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days.
• Our Workplace: Modern, centrally located offices, weekly business updates, team events, and great coffee. We work hard to build a culture worth showing up for.

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Responsibilities

• Conduct detailed analysis of loan opportunities across various sectors and geographies, developing a thorough understanding of each borrower's business and operating environment.
• Draft concise, well-structured credit reports with clear key takeaways for Credit and Risk to review and comment on.
• Build detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis, and credit metrics.
• Conduct sensitivity analysis and stress testing on projections to assess loan serviceability under adverse scenarios.
• Identify deal-specific covenants that can serve as early warning signals for loan monitoring purposes.
• Conduct detailed industry and market studies to understand the operating environment of borrowers.
• Interact with clients to discuss data gaps, inconsistencies, and analytical frameworks; liaise with Debt Directors and other UK stakeholders throughout the credit process.

Requirements

• 1-3 years of relevant experience in credit analysis, financial analysis, or a related role within financial services.
• Strong financial analysis skills with a thorough understanding of accounting and financial concepts, including the ability to build and interrogate detailed financial models.
• Proven ability to draft clear, concise, and well-reasoned credit reports for senior stakeholders.
• Strong communication skills with confidence interacting with Debt Directors, clients, and other stakeholders across geographies.
• A proactive, results-driven mindset , curious, flexible, hands-on, and comfortable operating at pace in an environment where change is part of daily work.

Nice to Have

• MBA, PGDM, CA, or CFA from a reputed institute.
• Experience conducting industry or market studies across multiple sectors.
• Prior exposure to covenant structuring or loan monitoring frameworks.

What We Offer

• Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary.
• Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services , all sponsored by OakNorth.
• Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.
• Financial support for important life events such as marriage, childbirth, and bereavement.
• Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions.
• Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days.
• Modern, centrally located offices, weekly business updates, team events, and great coffee.

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Working closely with senior leadership, you will have the autonomy to shape your own portfolio and take an entrepreneurial approach to every opportunity.

Key responsibilities include:

• Originating, structuring, and executing real estate transactions that meet OakNorth's lending requirements
• Managing and developing existing customer relationships while identifying new opportunities
• Analysing financial accounts and preparing high-quality credit memorandums
• Presenting credit cases to sanctioning authority and maintaining close customer relationships
• Meeting team and individual targets while driving innovation in the product proposition

To be a great fit, you should have:

• In-depth understanding of the London real estate market and a strong network across relevant counterparties
• Strong credit, financial analysis, and modelling skills
• Experience originating, structuring, and executing senior, stretched senior, and mezzanine real estate transactions

Nice to have:

• Experience working within a bank or regulated lending environment
• Existing relationships with private equity sponsors, property advisors, or intermediaries active in the UK real estate market

Benefits include:

• 25 days holiday
• Personalised benefits
• Subsidised Private Medical Insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events
• In-house Barista Bar in the London office
• Volunteering time off
• Salary sacrifice schemes

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The Debt Finance team sits at the heart of OakNorth’s lending business, supporting OakNorth's mission of providing financing to specialist lenders and non-bank finance providers. You will lead deals from the initial client conversation through credit approval, documentation and completion. The role combines new business development with detailed credit and structuring work, drawing on your understanding of securitisation and the underlying loan portfolios.

Key responsibilities:

• Build relationships with specialist lenders and advisers to identify and win new business.
• Lead the structuring and execution of lender finance transactions, with a focus on securitisations within specialty finance.
• Assess loan portfolios, deal structure, borrower financial strength, underwriting standards and servicing capabilities. Model cash flows and downside scenarios to assess repayment risk.
• Negotiate pricing, advance rates, eligibility criteria, concentration limits, cash waterfalls, covenants and performance triggers.
• Work with internal colleagues to prepare credit papers and present proposals for approval. Work with Legal and Transaction Management to ensure documentation reflects the approved terms.
• Stay close to clients and work with Portfolio Management on deal handovers, reporting, amendments and refinancing.
• Meet agreed lending and credit-quality objectives, working with Risk, Treasury, Finance and Operations on the requirements for new transactions.

To be a great fit for this role, you should have:

• A track record of originating, structuring and completing lender finance or structured finance transactions, with practical securitisation experience.
• A detailed understanding of asset-backed lending structures, including portfolio eligibility, advance rates, cash waterfalls, security and intercreditor arrangements.
• Experience analysing loan portfolios, stress-testing cash flows and assessing counterparty and servicing risk.
• An established network of specialist lenders, non-bank finance providers and advisers, and a record of winning business through those relationships.
• Experience writing credit papers, presenting to credit committees and negotiating financing documentation.
• Commercial judgement, a clear understanding of risk-adjusted returns and a willingness to work through the detail of a deal.
• Experience working within a bank or regulated lending environment, with exposure to credit policy, capital requirements and governance frameworks.
• Experience lending against different asset classes or developing new structured lending products.

Benefits and perks:

• Equity , we want everyone to have a stake in the business so our interests are aligned
• 25 days holiday plus personalised benefits , opt in to what matters to you
• Subsidised private medical insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events, plus in-house Barista Bar in the London office
• Volunteering time off to support causes that matter to you
• Salary sacrifice schemes , cycle to work, nursery, gym, and electric car scheme

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The Financial Crime team at OakNorth operates across all areas of the UK and US business, advising, challenging, and enabling the business to grow in a safe and sustainable way. We are currently building out our use of AI to modernise how second-line risk management works in practice.

Responsibilities:

• Provide advisory on financial crime escalations to second line
• Bring a commercial and balanced mindset to everything you do, enabling safe scale and growth
• Support and/or lead the delivery of BAU delivery items – policy, risk assessment, training, MI
• Identify and help deliver AI use cases that improve the efficiency and effectiveness of second-line financial crime risk management

Requirements:

• Around 5 years' experience in financial crime within a regulated banking or financial services environment
• A solid grounding across AML, ABC, fraud, and sanction, with the confidence to advise on complex cases across multiple themes
• Understanding of commercial lending, retail savings and business banking product sets
• Great stakeholder skills , you're comfortable engaging with the business and operations and building relationships across teams
• A genuine interest in and working knowledge of AI tools and how they can improve risk management in practice

Benefits:

• 25 days holiday plus personalised benefits
• Subsidised private medical insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events, plus in-house Barista Bar in the London office
• Volunteering time off to support causes that matter to you
• Salary sacrifice schemes , cycle to work, nursery, gym, and electric car scheme

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Working within Debt Finance, you will own the sales enablement engine – understanding what best in class looks like across our end to end deal processes and translating this into playbooks, materials and training to support every Debt Finance Director in reaching their full potential.

This is a hands-on, build-from-scratch mandate for someone who can earn credibility with senior dealmakers and translate how they operate into practical tools.

Responsibilities

• Work hand in hand with our Debt Finance Directors to understand what good looks like, and any gaps in our existing deal processes
• Codify “what good looks like” and build our sales enablement materials, optimising by stakeholder, segment and product
• Develop sales playbooks on how we position OakNorth to different stakeholder groups
• Build battlecards and objection-handling guides and understand blockers at different deal stages and how to address these
• Partner with marketing to develop sharp, consistent sales materials
• Own onboarding for new DFDs and get new joiners productive faster
• Identify coaching gaps and support delivery alongside our top originators

The Profile

We care more about how you think than where you've worked. You may come from commercial lending, debt advisory, banking, consulting or sales enablement , what matters is credibility with dealmakers and a talent for turning tacit expertise into usable tools.

You will bring:

• 5–8+ years' experience, with enough commercial and credit fluency to follow a complex lending deal and hold your own with senior originators
• Sharp synthesis and writing , the ability to watch how someone sells and distil it into something others can use
• Strong systems thinking and the instinct to build structure where none exists
• Low ego and high curiosity , comfortable learning from others before telling them how it's done
• A bias for action and comfort building without a playbook

Benefits & Perks

• 25 days holiday
• Personalised benefits , opt-in to what matters to you
• Subsidised Private Medical Insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events
• In-house Barista Bar , London office
• Volunteering time off , support causes that matter to you
• Salary sacrifice schemes , cycle to work, nursery, gym, electric car scheme

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You’ll lead the independent assessment and challenge of opportunities across a broad range of SME real estate businesses, from investment and development finance to operational real estate.

This is an opportunity to bring deep property credit expertise and sound commercial judgement to transactions that matter.

Responsibilities

• Lead credit decisions: Own the independent assessment and challenge of new real estate lending opportunities, bringing clear judgement to decisions across the UK portfolio.
• Shape transactions early: Partner with Debt Finance Origination and Credit Analytics from the outset to identify key risks, test assumptions and develop structures that work for OakNorth and its customers.
• Set the standard for Credit Committee: Lead clear, well-reasoned recommendations and bring constructive challenge to senior credit discussions and decisions.
• Assess complex real estate: Apply your expertise across investment and development finance in residential, office, retail and industrial property, as well as operational real estate such as PBSA, BTR and co-living.
• Get beneath the numbers: Scrutinise cashflow models, Red Book valuations and Project Monitor reports where relevant, making sure each decision is based on reliable, relevant and robust information.
• Work directly with customers: Join borrower discussions with the Debt Finance team, providing an early view on credit appetite, structure and the risks that need to be addressed.
• Protect portfolio quality: Work with Portfolio Management on existing exposures, including loan increases, extensions, covenant resets, restructurings and emerging risks.
• Support strong execution: Review term sheets, security structures and key documentation, working with Legal and Loan Execution to ensure appropriate protections and good customer outcomes.
• Bring independent judgement: Take a balanced, pragmatic view , knowing when to support a transaction, when to challenge and when a proposal should not proceed.
• Help shape our approach: Contribute to strategic work that strengthens real estate credit and the wider team, including thoughtful use of data, technology and AI to improve assessment and decision-making.

Requirements

• At least 10 years’ experience in credit risk, with deep expertise in SME real estate lending or a strong track record of transferable experience
• Strong knowledge of real estate investment and development finance across sectors such as residential, office, retail and industrial
• Experience with operational real estate, including PBSA, BTR or co-living; experience in SME cashflow lending or lending at fund level would also be valuable
• Excellent financial analysis skills and the ability to assess complex transactions, business plans, cashflows, valuations, downside scenarios and debt capacity
• A strong track record of independent credit judgement, constructive challenge and influencing senior credit decisions
• Confidence leading Credit Committee discussions and engaging with customers, deal teams and senior stakeholders
• A good understanding of SME credit risk models and measures, including RWA, PD and LGD
• Strong experience with risk and control techniques, including setting effective covenants and managing portfolio risk
• The commercial judgement to balance disciplined risk management with backing ambitious businesses
• Clear communication, negotiation and stakeholder skills, alongside the ability to take ownership and manage competing priorities in a fast-moving environment

Nice to Have

• A broader understanding of risk across the SME product lifecycle, from origination and optimisation through to collections and recoveries
• Experience working directly with clients and deal teams on transaction structure and credit appetite
• Experience contributing to strategic projects or improving credit processes and decision-making

What We Offer

• Equity , we want you to have a stake in the business so our interests are aligned
• 25 days’ holiday plus personalised benefits , opt in to what matters to you
• Subsidised private medical insurance with Bupa
• Enhanced maternity and paternity leave
• Wellbeing and social events, plus an in-house Barista Bar in the London office
• Volunteering time off to support causes that matter to you
• Salary sacrifice schemes , cycle to work, nursery, gym and electric car scheme

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Responsibilities

• Own the strategic direction and forward-looking plan for Technology Assurance, aligning with OakNorth’s technology strategy, risk profile, and growth plans.
• Personally lead and execute complex and high-risk technology reviews end-to-end.
• Develop and drive the assurance approach for cloud and modern technology architecture.
• Build Technology Assurance capability for OakNorth’s US operations and expansion.
• Shape the Assurance approach to AI and emerging technology risk.
• Act as a senior assurance partner and constructive challenger to the CTO, Engineering, and Technology leadership.
• Drive a continuous assurance approach across Technology.
• Provide technical leadership and build capability across the wider Assurance team.
• Drive innovation in how Assurance is delivered.

Requirements

• 15+ years of Technology Audit/Assurance experience within regulated financial services.
• Deep expertise across technology risks, including cybersecurity, infrastructure, IAM, data, resilience, DevSecOps, and technology change.
• Strong experience in cloud assurance.
• Experience with US technology and cyber regulatory requirements.
• Proven leadership and stakeholder management.

Benefits

• Health & Protection: Medical cover, life, and accidental cover.
• Wellbeing: Annual health check-ups, online doctor consultations, and Employee Assistance Programme.
• Time Off: Earned, casual/sick leave, public holidays, maternity & paternity leave.
• Life Milestones: Financial gesture of support at marriage, childbirth, and bereavement.
• Flexible Benefits: Tax-efficient allowances and NPS.
• Growth: Professional certifications support, learning and development opportunities, and paid volunteering days.

Job Data by YubHub.

Responsibilities

• Conduct detailed analysis of loan opportunities across various sectors and geographies.
• Draft concise, well-structured credit reports with clear key takeaways.
• Build detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis, and credit metrics.
• Conduct sensitivity analysis and stress testing on projections.
• Identify deal-specific covenants for loan monitoring purposes.
• Conduct industry and market studies to understand borrower operating environments.
• Interact with clients to discuss data gaps and analytical frameworks.

Requirements

• 5+ years of relevant experience in credit analysis or a related role.
• Strong financial analysis skills with a thorough understanding of accounting and financial concepts.
• Proven ability to draft clear, concise credit reports.
• Strong communication skills with confidence interacting with stakeholders.
• A proactive, results-driven mindset.

Nice to Have

• MBA, PGDM, CA, or CFA from a reputed institute.
• Experience conducting industry or market studies.
• Prior exposure to covenant structuring or loan monitoring frameworks.

What We Offer

• Comprehensive medical cover and life insurance.
• Annual health check-ups and online doctor consultations.
• Earned leave, casual/sick leave, and public holidays.
• Financial support for life events such as marriage and childbirth.
• Flexible benefits including tax-efficient allowances.
• Support for professional certifications and learning opportunities.

Job Data by YubHub.