ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE TEAM
Our Real Estate Finance team sits at the heart of OakNorth's lending business, backing the UK's most ambitious property entrepreneurs and developers. The team originates and executes high-quality real estate transactions end-to-end — from senior debt to stretched senior and mezzanine structures — across a wide range of asset classes. We work closely, move quickly, and hold ourselves to a high standard on both credit quality and client experience.
ABOUT THE ROLE
As a Real Estate Director, you will be at the forefront of OakNorth's mission to back the UK's most ambitious entrepreneurs and growing businesses. You will originate, structure, and own high-quality deals end-to-end — from first conversation to successful close — with a sharp focus on credit excellence and delivering a standout client experience. Working closely with senior leadership, you will have the autonomy to shape your own portfolio and take an entrepreneurial approach to every opportunity.
WHAT YOU'LL DO
Originate, structure, and execute real estate transactions that meet OakNorth's lending requirements, including senior, stretched senior, and mezzanine facilities
Manage and develop existing customer relationships while identifying new opportunities across SMEs, KBIs, advisors, and private equity firms
Analyse financial accounts, spread financial models, and prepare high-quality credit memorandums — including forecasted cash flows and sensitivity analysis to assess debt capacity and repayment
Present credit cases to sanctioning authority, ensure transactions are documented in accordance with credit-approved terms, and maintain close customer relationships with timely reporting to Credit
Meet team and individual targets (profit, credit quality, new customers, retention, and customer satisfaction) while driving innovation in the product proposition to improve client experience
YOU'LL BE A GREAT FIT IF YOU HAVE…
In-depth understanding of the London real estate market and a strong, active network across relevant counterparties
Strong credit, financial analysis, and modelling skills — including the ability to write structured, high-quality credit papers and present cases to a credit committee
Experience originating, structuring, and executing senior, stretched senior, and mezzanine real estate transactions, with strong legal documentation skills and a degree in Finance, Commerce, or equivalent
Nice to Have
Experience working within a bank or regulated lending environment, with exposure to credit policy and governance frameworks
Existing relationships with private equity sponsors, property advisors, or intermediaries active in the UK real estate market
WHAT WE OFFER
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
ABOUT US
At OakNorth, we’re on a mission to empower ambitious businesses and the communities they serve. Since 2015, we’ve lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
We’re an entrepreneurial, technology-led bank, combining deep lending expertise with data, technology and AI to make better decisions and deliver a different experience for our customers.
ABOUT THE TEAM
Our Credit Risk team plays a critical role in enabling OakNorth to support ambitious businesses while maintaining a high-quality lending portfolio. Working closely with Debt Finance Origination, Credit Analytics, Portfolio Management and Legal, we bring together technical expertise, independent judgement and commercial thinking to support lending decisions.
We’re a collaborative, fast-moving team where people are encouraged to challenge, take ownership and find solutions. You’ll be part of this team, bringing dedicated real estate expertise to the same shared portfolio and working closely with colleagues across Credit Risk and the wider business.
ABOUT THE ROLE
We’re looking for a Senior Director, Credit Risk – Real Estate to play a senior role in shaping credit decisions across OakNorth’s UK real estate lending portfolio. 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. You’ll work closely with Debt Finance Origination, Credit Analytics and Portfolio Management, influencing deals from an early stage, helping shape their structure and presenting clear, high-quality recommendations to Credit Committee.
As a senior member of the Credit Risk team, you’ll have the trust and scope to influence complex decisions, engage directly with customers and senior stakeholders, and help raise the quality of our approach to real estate lending. You’ll balance disciplined risk management with the opportunity to back ambitious businesses and the communities they serve.
WHAT YOU’LL DO
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.
YOU’LL BE A GREAT FIT IF YOU HAVE…
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
WHY OAKNORTH?
At OakNorth, you’ll work on meaningful, complex lending transactions without the layers of bureaucracy often associated with larger institutions. You’ll be part of one Credit Risk team, with the opportunity to bring specialist real estate expertise while working closely with colleagues across the business.
We value independent thinking, commercial judgement and people who take ownership. We move quickly, challenge conventional approaches and use technology and AI to keep improving how we work. As we grow, you’ll have the opportunity to influence not only individual transactions, but how we approach real estate lending and risk management more broadly.
If you’re an experienced real estate credit professional ready for greater ownership, exposure to senior decision-makers and the chance to make a meaningful impact, we’d love to hear from you.
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
ABOUT US
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.
ABOUT THE ROLE
As a Transaction Execution AVP at OakNorth, you will play a central role in keeping the lending lifecycle running smoothly. 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.
WHAT YOU'LL DO
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
YOU'LL BE A GREAT FIT IF YOU HAVE…
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.
ABOUT US
We're OakNorth, and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace. Banking should be barrier-free — it's a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools. We go beyond finance to empower our people, encourage professional growth, and create an environment where everyone can thrive.
ABOUT THE TEAM
The Corporate Finance team sits at the heart of OakNorth's financial operations, covering reporting, planning, and control across our UK and international entities. The team works closely with FP&A, Treasury, Legal, Operations, and the business to ensure robust financial governance and continuous process improvement.
ABOUT THE ROLE
We are looking for an experienced Finance Controllership professional to join our Corporate Finance team. In this role you will own end-to-end accounting and reporting across both internal and external requirements — working under IFRS and Indian GAAP — while leading a broad array of planning projects and process improvement initiatives that directly support OakNorth's growth ambitions.
WHAT YOU'LL DO
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.
YOU'LL BE A GREAT FIT IF YOU HAVE…
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.
Nice to Have
Background in the banking or financial services sector.
Experience with or interest in data automation tools such as Python/Pandas or VBA for automating reconciliations and reporting processes.
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.
OAKNORTH
Industrial Training – Regulatory Reporting
Finance · Regulatory Reporting
📍 India | 🕐 Internship (12 months) | 🏢 Onsite | 🎯 Intern
ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE TEAM
The Regulatory Reporting team is responsible for producing accurate, timely, and complete regulatory and management reporting across liquidity, capital, credit, and balance sheet returns for OakNorth Bank. We work closely with Treasury, Finance, and Risk to ensure the Bank meets its obligations to the PRA, Bank of England, and other regulators — while continuously improving the quality and efficiency of our reporting processes.
ABOUT THE ROLE
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. This is an excellent opportunity for a recently qualified finance professional to gain hands-on exposure to regulatory reporting in a fast-paced banking environment.
WHAT YOU'LL DO
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.
YOU'LL BE A GREAT FIT IF YOU HAVE…
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.
Assistant Manager – Accounts Payable
Finance · Accounts Payable
ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE TEAM
The Finance Operations team at OakNorth manages end-to-end financial processes across our India, UK, and US entities. The Accounts Payable function sits within this team and is responsible for ensuring accurate, timely, and compliant processing of vendor, intercompany, and tax payments — working closely with Procurement, Treasury, Tax, and the wider business to drive operational excellence and continuous improvement.
ABOUT THE ROLE
We're looking for an Assistant Manager – Accounts Payable with 5 years of experience to take ownership of our AP operations across India, the UK, and the US. You'll manage the full AP cycle — from invoice processing through to payments and reconciliations — while ensuring compliance with GST, TDS, UK VAT, and US sales/use tax requirements. This is a process-driven role for someone who combines strong technical AP knowledge with a passion for automation, accuracy, and cross-functional collaboration.
WHAT YOU'LL DO
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.
YOU'LL BE A GREAT FIT IF YOU HAVE…
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.
Nice to Have
CA, CA Inter, CMA, ACCA, MBA (Finance), or equivalent professional qualification.
Experience implementing AP automation tools or AI-enabled invoice processing solutions.
Exposure to cash flow forecasting and working capital management in a treasury context.
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.
ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE TEAM
The Procurement team at OakNorth manages supplier relationships, contract lifecycle activities, and purchasing operations across our India, UK, and US entities. We work closely with Finance, Legal, IT, and Compliance to ensure every supplier engagement is commercially sound, compliant, and well-governed — while continuously improving the processes and tools that underpin our procurement function.
ABOUT THE ROLE
We're looking for an Associate to join our Procurement and Supplier Management team, supporting end-to-end procurement activities from sourcing and contracting through to supplier due diligence, invoice processing, and performance management. You'll be hands-on across both strategic and operational procurement, working closely with internal stakeholders and external suppliers while supporting our UK and US teams. This role suits someone who is detail-oriented, self-motivated, and comfortable managing multiple priorities in a regulated, fast-paced environment.
WHAT YOU'LL DO
Lead sourcing and tendering activities for new and renewing supplier engagements, including RFx preparation and evaluation; benchmark supplier pricing and commercial terms to support value-for-money assessments.
Manage contract lifecycle activities — drafting, negotiation support, execution, amendments, and renewals — in collaboration with Legal; maintain and update the contract register, tracking key dates and milestones.
Support category management across key spend areas, identifying consolidation opportunities and preferred supplier strategies; ensure all procurement activities comply with internal policies, regulatory requirements, and governance frameworks.
Create and process purchase requisitions (PRs) in NetSuite, ensuring accurate coding, approvals, and budget alignment; upload vendor invoices, match against POs, and coordinate with Accounts Payable to resolve discrepancies and payment conflicts.
Manage end-to-end supplier due diligence across OakNorth, including risk assessments (sanctions, background, and creditworthiness checks), payment reconciliations, and banking detail verification.
Manage vendor onboarding and offboarding, maintain records in Salesforce, and support supplier governance and performance review meetings; resolve exceptions, process risks, and in-life issues as they arise.
Maintain trackers (DD tracker, Charity tracker, spend file) for both ONB and ONGPL; support brand monitoring across the supplier base.
Support preparation of procurement dashboards and management reports; build data models and visualisations using Excel, Power BI, or equivalent tools.
Serve as the key liaison between internal stakeholders (Finance, Legal, IT, Compliance) and external suppliers; available to support UK and US teams during critical periods including month-end, year-end, audit cycles, and major contract renewals.
YOU'LL BE A GREAT FIT IF YOU HAVE…
3–5 years of experience in procurement operations or supplier management, preferably in financial services or a regulated environment.
Hands-on experience with NetSuite (PRs, invoicing, vendor management) and Salesforce (vendor records).
Strong Excel skills including pivot tables, VLOOKUP, and data analysis; familiarity with Power BI or Tableau desirable.
Understanding of third-party risk management, procurement compliance frameworks, and ESG principles.
Self-motivated, detail-oriented, and able to manage multiple priorities independently across geographies and time zones.
Nice to Have
Familiarity with AI/ML tools and a demonstrable ability to apply them in day-to-day procurement workflows.
Experience with supplier due diligence processes including sanctions and creditworthiness checks.
Exposure to category management or preferred supplier strategy development.
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.
The role
OakNorth runs an £8bn balance sheet with a small, senior Treasury team. Reporting to the Head of Treasury, you will own the execution of the bank's derivatives and FX activity and its investment portfolio, the sizing of its FX funding and liquidity positions, and support for capital and wholesale funding issuance — building the analytics behind those decisions. Treasury here is run as a measurable profit contributor rather than a cost centre, and the decisions taken on this desk are a material part of that.
This is a hands-on execution role rather than an oversight one. You will be pricing, trading, sizing and building the analysis behind your own recommendations, and presenting that work in senior forums including ALCO and to the CFO.
The role is deliberately front-office weighted, but the team is small and the remit is broad. There is genuine scope to build depth in the wider Treasury agenda — funds transfer pricing, liquidity and interest rate risk frameworks, and Board and regulatory work — for someone who wants it.
Principal responsibilities
Derivatives and FX
Execute interest rate swaps, cross-currency swaps and FX forwards across the bank's hedging programme. This is the most frequent trading activity on the desk and the centre of the role
Price, negotiate and execute with dealers across the counterparty panel, and evidence best execution
Own the FX risk position — including the USD lending book and intragroup exposures — and produce the exposure and hedging analysis that supports ALCO and Board reporting
Monitor collateral and margin flows under CSA arrangements, including the liquidity consequences of adverse mark-to-market moves. Supports expansion and onboarding with additional counterparts
Work with Finance on hedge designation and supporting documentation
Investment portfolio
Execute the gilt and HQLA investment programme against Board-approved mandates, using asset-swap spread and relative-value analysis to inform selection
Maintain and extend the portfolio construction tooling, including duration, maturity-ladder and concentration constraints
Size and roll the Treasury bill programme against deposit deployment windows
Support oversight of the externally managed AAA CLO portfolio, including trend and spread analytics and preparation for quarterly manager review
Support expansion of the investment instruments to develop the liquidity portfolio
Capital and funding issuance
Support the origination and execution of capital instrument issuance — Tier 2 and AT1 — working alongside the Treasurer, CFO and external advisers
Build and maintain the analysis behind issuance decisions, including sizing, pricing benchmarks and comparable market levels
Contribute to the development of wholesale funding options as the balance sheet grows, potentially spanning senior unsecured and secured issuance and securitisation
Funding and liquidity sizing
This part of the role is about sizing and direction. Operational execution and settlement sit with Treasury Operations; you set the strategy, size the transaction and steer the team.
Own USD liquidity end to end — determining how much liquidity is required in currency, and executing the cross-currency swaps that deliver it within Risk Appetite Limits
Set the sizing and collateral strategy for Bank of England repo facilities (ILTR and STR), instructing and reviewing rather than operating them
Steer the wider team on the analytical basis for funding and liquidity decisions, and review their output
Analytics and automation
We work extensively with AI-assisted development — Claude and Claude Code — inside a GitHub-controlled workflow. You do not need to be a software engineer, but you do need to be able to build a working analytical tool this way, or to learn to do so quickly.
Build, maintain and extend the desk's Python toolkit — pricing, sizing, limit monitoring and income attribution
Replace manual spreadsheet processes with repeatable, auditable and documented ones
Contribute to the Treasury Management System implementation and the Bloomberg data integration
Control, governance and reporting
Ensure trades are captured, confirmed and reported in line with the Treasury Trading Policy and supporting procedures
Monitor Risk Appetite Limits and Key Risk Indicators for front-office activity, and escalate promptly and clearly
Prepare and present front-office inputs to ALCO
Support regulatory deliverables — ILAAP, ICAAP and PRA information requests — from a front-office perspective
Essential experience and skills
Relevant execution experience — typically three to six years in a bank treasury front office, money markets or ALM desk, or a markets and rates role with clearly transferable execution skills.
Well-honed Bloomberg skills.. You should be fast and self-sufficient across money market and fixed income pricing, curve and relative-value analysis, swap and FX pricing, and the day-to-day ticket and blotter workflow.
Instrument knowledge — interest rate and cross-currency swaps and FX forwards first and foremost, together with gilts, Treasury bills and repo including Bank of England facilities.
Regulatory mechanics — a sound working understanding of LCR, NSFR and HQLA classification, as well as Capital regulation and how execution decisions move them.
Python literacy — sufficient to build, read and debug analytical tooling (pandas, numpy), together with real enthusiasm for AI-assisted development.
Communication — the ability to explain a trade, a number or a risk clearly and briefly to a senior, non-specialist audience.
Desirable
CFA, FRM, BTRM in progress or complete
Exposure to Clearing, CSA and margining mechanics, SA-CCR, or hedge accounting
Securitisation, CLO or structured credit experience
Exposure to debt capital markets — capital instrument or senior debt issuance, or securitisation — from a bank treasury, DCM or advisory seat
Experience in a challenger bank or another small team where breadth was required rather than optional
Who will do well here
You get things moving. Pace matters more than polish, and you are comfortable forming a view, making a call and owning the outcome.
You learn quickly and want to. The technical range here is wide, and we would rather hire someone visibly capable and eager to grow into the full breadth of it than someone with a narrow and finished skill set.
You are helpful by default. The team is small and nobody's job description is treated as a boundary.
You are comfortable being challenged, and challenging back.
You thrive in a global team. The finance team is spread across the UK and India and you're good at building trust across time zones and you don't need to be in the same room to stay aligned.
","descriptionPlain":"The role\n\nOakNorth runs an £8bn balance sheet with a small, senior Treasury team. Reporting to the Head of Treasury, you will own the execution of the bank's derivatives and FX activity and its investment portfolio, the sizing of its FX funding and liquidity positions, and support for capital and wholesale funding issuance — building the analytics behind those decisions. Treasury here is run as a measurable profit contributor rather than a cost centre, and the decisions taken on this desk are a material part of that.\n\n\n\nThis is a hands-on execution role rather than an oversight one. You will be pricing, trading, sizing and building the analysis behind your own recommendations, and presenting that work in senior forums including ALCO and to the CFO.\n\nThe role is deliberately front-office weighted, but the team is small and the remit is broad. There is genuine scope to build depth in the wider Treasury agenda — funds transfer pricing, liquidity and interest rate risk frameworks, and Board and regulatory work — for someone who wants it.\n\n\n\nPrincipal responsibilities\n\nDerivatives and FX\n\n - Execute interest rate swaps, cross-currency swaps and FX forwards across the bank's hedging programme. This is the most frequent trading activity on the desk and the centre of the role\n\n - Price, negotiate and execute with dealers across the counterparty panel, and evidence best execution\n\n - Own the FX risk position — including the USD lending book and intragroup exposures — and produce the exposure and hedging analysis that supports ALCO and Board reporting\n\n - Monitor collateral and margin flows under CSA arrangements, including the liquidity consequences of adverse mark-to-market moves. Supports expansion and onboarding with additional counterparts\n\n - Work with Finance on hedge designation and supporting documentation\n \n \n\nInvestment portfolio\n\n - Execute the gilt and HQLA investment programme against Board-approved mandates, using asset-swap spread and relative-value analysis to inform selection\n\n - Maintain and extend the portfolio construction tooling, including duration, maturity-ladder and concentration constraints\n\n - Size and roll the Treasury bill programme against deposit deployment windows\n\n - Support oversight of the externally managed AAA CLO portfolio, including trend and spread analytics and preparation for quarterly manager review\n\n - Support expansion of the investment instruments to develop the liquidity portfolio\n \n \n\nCapital and funding issuance\n\n - Support the origination and execution of capital instrument issuance — Tier 2 and AT1 — working alongside the Treasurer, CFO and external advisers\n\n - Build and maintain the analysis behind issuance decisions, including sizing, pricing benchmarks and comparable market levels\n\n - Contribute to the development of wholesale funding options as the balance sheet grows, potentially spanning senior unsecured and secured issuance and securitisation\n \n \n\nFunding and liquidity sizing\n\nThis part of the role is about sizing and direction. Operational execution and settlement sit with Treasury Operations; you set the strategy, size the transaction and steer the team.\n\n - Own USD liquidity end to end — determining how much liquidity is required in currency, and executing the cross-currency swaps that deliver it within Risk Appetite Limits\n\n - Set the sizing and collateral strategy for Bank of England repo facilities (ILTR and STR), instructing and reviewing rather than operating them\n\n - Steer the wider team on the analytical basis for funding and liquidity decisions, and review their output\n \n \n\nAnalytics and automation\n\nWe work extensively with AI-assisted development — Claude and Claude Code — inside a GitHub-controlled workflow. You do not need to be a software engineer, but you do need to be able to build a working analytical tool this way, or to learn to do so quickly.\n\n - Build, maintain and extend the desk's Python toolkit — pricing, sizing, limit monitoring and income attribution\n\n - Replace manual spreadsheet processes with repeatable, auditable and documented ones\n\n - Contribute to the Treasury Management System implementation and the Bloomberg data integration\n \n \n\nControl, governance and reporting\n\n - Ensure trades are captured, confirmed and reported in line with the Treasury Trading Policy and supporting procedures\n\n - Monitor Risk Appetite Limits and Key Risk Indicators for front-office activity, and escalate promptly and clearly\n\n - Prepare and present front-office inputs to ALCO\n\n - Support regulatory deliverables — ILAAP, ICAAP and PRA information requests — from a front-office perspective\n \n \n\nEssential experience and skills\n\n - Relevant execution experience — typically three to six years in a bank treasury front office, money markets or ALM desk, or a markets and rates role with clearly transferable execution skills.\n\n - Well-honed Bloomberg skills.. You should be fast and self-sufficient across money market and fixed income pricing, curve and relative-value analysis, swap and FX pricing, and the day-to-day ticket and blotter workflow.\n\n - Instrument knowledge — interest rate and cross-currency swaps and FX forwards first and foremost, together with gilts, Treasury bills and repo including Bank of England facilities.\n\n - Regulatory mechanics — a sound working understanding of LCR, NSFR and HQLA classification, as well as Capital regulation and how execution decisions move them.\n\n - Python literacy — sufficient to build, read and debug analytical tooling (pandas, numpy), together with real enthusiasm for AI-assisted development.\n\n - Communication — the ability to explain a trade, a number or a risk clearly and briefly to a senior, non-specialist audience.\n\nDesirable\n\n - CFA, FRM, BTRM in progress or complete\n\n - Exposure to Clearing, CSA and margining mechanics, SA-CCR, or hedge accounting\n\n - Securitisation, CLO or structured credit experience\n\n - Exposure to debt capital markets — capital instrument or senior debt issuance, or securitisation — from a bank treasury, DCM or advisory seat\n\n - Experience in a challenger bank or another small team where breadth was required rather than optional\n \n \n\nWho will do well here\n\n - You get things moving. Pace matters more than polish, and you are comfortable forming a view, making a call and owning the outcome.\n\n - You learn quickly and want to. The technical range here is wide, and we would rather hire someone visibly capable and eager to grow into the full breadth of it than someone with a narrow and finished skill set.\n\n - You are helpful by default. The team is small and nobody's job description is treated as a boundary.\n\n - You are comfortable being challenged, and challenging back.\n\nYou thrive in a global team. The finance team is spread across the UK and India and you're good at building trust across time zones and you don't need to be in the same room to stay aligned."},{"id":"090243a8-2132-4d82-a28b-36805ad4a368","title":"SVP - Business Assurance","department":"Risk and Compliance","team":"Financial Crime","employmentType":"FullTime","location":"Gurugram","secondaryLocations":[],"publishedAt":"2026-10-05T07:57:00.911+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"Gurugram","addressCountry":"India","addressLocality":"Gurugram"}},"jobUrl":"https://jobs.ashbyhq.com/oaknorth/090243a8-2132-4d82-a28b-36805ad4a368","applyUrl":"https://jobs.ashbyhq.com/oaknorth/090243a8-2132-4d82-a28b-36805ad4a368/application","descriptionHtml":"ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE TEAM
The Assurance Centre of Excellence (CoE) delivers high-quality assurance across OakNorth’s key risk domains, including Financial Crime, Finance, Credit, Operations, Technology and Regulatory Reporting. The CoE is a lean, technically rigorous team that partners closely with Risk, Compliance and business functions to provide risk-based assurance and actionable insights.
ABOUT THE ROLE
The SVP, Business Assurance is a critical role: you will both lead the delivery of the assurance plan across Financial Crime, Operations, Conduct & Compliance and personally execute assurance engagements. Reporting to the Assurance COE Lead, you will define the scope and direction of assurance coverage, manage a team, and hold the bar for quality and timeliness across all engagements.
WHAT YOU'LL DO
Own and shape the assurance strategy and annual plan across Financial Crime, Conduct, Compliance and Operations, ensuring coverage remains aligned to OakNorth’s key risks, regulatory priorities and growth plans across the UK and US.
Personally lead and execute complex and high-risk reviews end-to-end, from scoping and fieldwork through to senior stakeholder challenge, reporting and remediation, while ensuring consistently high standards across the wider portfolio.
Stay ahead of emerging regulatory and business risks, particularly across financial crime, conduct and compliance, and translate changes in the UK and US regulatory landscape into appropriate assurance coverage.
Build and embed continuous monitoring across key controls and risk indicators, using data and analytics to identify emerging issues, control deterioration and areas requiring deeper assurance attention.
Act as a senior assurance partner and constructive challenger to Risk, Compliance and Operations leadership, bringing together themes from individual reviews to provide insight on broader control weaknesses, root causes and areas requiring management attention.
Lead and develop the team, providing technical direction, reviewing critical judgements and work products, and building capability across Financial Crime, Compliance and Operations assurance.
Drive innovation in assurance delivery, using AI, automation and data analytics to increase coverage, improve risk identification and make assurance more efficient and forward-looking.
YOU'LL BE A GREAT FIT IF YOU HAVE…
15+ years of relevant experience in Internal Audit, Risk or Compliance within regulated financial services, with significant experience across Financial Crime, Operations, Conduct and Compliance.
Chartered Accountant (CA) qualification, together with a relevant Financial Crime / Compliance qualification such as ACAMS or ICA (International Compliance Association, UK) — both are essential for this role.
Strong technical knowledge across multiple risk and regulatory domains, with the breadth and judgement to assess complex issues, identify emerging risks and independently determine appropriate assurance coverage.
A strong track record of personally leading and delivering complex, multi-domain reviews end-to-end, while exercising judgement over significant findings, root causes, ratings and remediation.
Good understanding of the UK regulatory environment, with experience interpreting regulatory requirements and translating them into practical risk and control assessments. Exposure to US regulatory requirements, particularly BSA/AML, sanctions and financial crime, would be advantageous.
Experience using data and continuous monitoring to provide insight into control effectiveness, emerging risks and areas requiring deeper assurance attention.
Experience leading, coaching and developing assurance professionals, providing technical direction while maintaining high standards of quality and independent judgement.
The credibility and communication skills to engage and constructively challenge senior stakeholders, including Risk, Compliance and Operations leadership, and communicate complex issues clearly and proportionately.
Experinced in AI, automation and data analytics, with an understanding of how these can be used to improve assurance coverage, risk identification and efficiency.
Nice to Have
· Experience building control monitoring frameworks or dashboards
· Exposure to cross-jurisdictional regulatory requirements (UK or US)
· Additional qualification (e.g. CIA or equivalent)
WHAT WE OFFER
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
ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE TEAM
The Assurance Centre of Excellence (CoE) delivers high-quality assurance across OakNorth’s key risk domains, including Financial Crime, Finance, Credit, Operations, Technology and Regulatory Reporting. The CoE is a lean, technically rigorous team that partners closely with Risk, Compliance and business functions to provide risk-based assurance and actionable insights.
Within the CoE, the Technology Assurance team delivers risk-based assurance across OakNorth’s technology landscape, including core banking infrastructure, digital products, data platforms, cloud, cybersecurity and technology resilience.
ABOUT THE ROLE
The DVP, Technology Assurance is a critical role: you will both lead the delivery of the technology assurance plan and personally execute assurance engagements. Reporting to the Assurance COE Lead, you will define the scope and direction of technology assurance coverage, manage a team, and hold the bar for quality and timeliness across all engagements. This role is central to OakNorth's ability to maintain a well-controlled, trusted technology environment as the business scales.
WHAT YOU'LL DO
Own the strategic direction and forward-looking plan for Technology Assurance, translating OakNorth’s technology strategy, risk profile, regulatory obligations and growth plans into risk-based coverage across cyber security, cloud, engineering, resilience, data, AI and technology change.
Personally lead and execute complex and high-risk technology reviews end-to-end, from scoping and technical assessment through to stakeholder challenge, reporting and remediation, applying strong judgement to significant technology risks and control issues.
Develop and drive the assurance approach for cloud and modern technology architecture, including cloud security and governance, identity and access, infrastructure resilience, DevSecOps, configuration management, data protection and third-party/cloud concentration risks.
Build Technology Assurance capability for OakNorth’s US operations and expansion, ensuring appropriate coverage of applicable US technology and cyber requirements, including the New York Department of Financial Services Cybersecurity Regulation (23 NYCRR Part 500), and incorporating evolving regulatory expectations into the assurance plan.
Shape the Assurance approach to AI and emerging technology risk, including generative and agentic AI, with particular focus on governance, autonomous actions and decision-making, human oversight, access and permissions, data security, third-party/model dependencies and ongoing monitoring.
Act as a senior assurance partner and constructive challenger to the CTO, Engineering and Technology leadership, identifying cross-cutting and systemic technology risks and providing insight on emerging themes, root causes, major transformation initiatives and the scalability of the technology control environment.
Drive a continuous assurance approach across Technology, integrating risk insights, automated control testing and monitoring to provide timely visibility of emerging risks.
Provide technical leadership and build capability across the wider Assurance team, coaching colleagues, sharing specialist knowledge and raising the quality and consistency of technology risk assessment across both technology and business reviews.
Drive innovation in how Assurance is delivered, leveraging AI, automation and advanced analytics — including agentic approaches where appropriate — to increase coverage, strengthen risk identification and improve the efficiency and quality of assurance delivery.
YOU'LL BE A GREAT FIT IF YOU HAVE…
9 to 12 years of Technology Audit/Assurance experience within regulated financial services, with a track record of leading complex reviews and shaping risk-based assurance plans.
Deep expertise across technology risks, including cybersecurity, infrastructure, IAM, data, resilience, DevSecOps and technology change, with the ability to independently challenge complex environments.
Strong experience in cloud assurance, including modern cloud architectures, security and governance, third-party dependencies and risks arising from increasing cloud adoption.
Experience with US technology and cyber regulatory requirements, ideally including NYDFS Cybersecurity Regulation (23 NYCRR Part 500), and translating regulatory expectations into practical assurance.
Proven leadership and stakeholder management, including building Technology Assurance capability and constructively challenging CTO-level and senior Engineering leaders; relevant certification such as CISA, CISSP, CIA or equivalent.
Nice to Have
Exposure to second line risk frameworks (e.g. RCSA, control testing) in addition to third line reviews
Experience in a high-growth or scale-up bank environment
WHAT WE OFFER
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: Financial gesture of support at marriage, childbirth, and bereavement
Flexible Benefits: Tax-efficient allowances for internet, fuel, meals, leave & travel, and NPS
Growth: Professional certifications support, learning and 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
We are looking for a Co-Head of Credit Risk – Real Estate to help grow our real estate lending businesses working alongside our Co-Head of Credit Risk – Trading Business. Together, you will provide senior credit leadership across our real estate and trading business lending, each bringing deep expertise in your area.
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.
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.
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.
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.
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.
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.
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.
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
ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve.
Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
We're an entrepreneurial, technology-led bank combining deep lending expertise with data, technology and AI to make better decisions and deliver a different experience for our customers.
ABOUT THE TEAM
Our Credit Risk team plays a critical role in enabling OakNorth to support ambitious businesses while maintaining a high-quality lending portfolio.
Working closely with Debt Finance Origination, Credit Analytics, Portfolio Management and Legal, the team brings together strong technical expertise, independent judgement and commercial thinking to support lending decisions.
We're a collaborative, fast-moving team where people are encouraged to challenge, take ownership and find solutions rather than simply follow processes.
ABOUT THE ROLE
We're looking for an experienced Director, Credit Risk – Cash flow lending to play a key role in shaping credit decisions across OakNorth's UK lending portfolio.
This is an opportunity for someone who combines deep technical credit expertise with strong commercial judgement and enjoys being close to the transactions, customers and decisions that matter.
You'll work across a diverse range of lending opportunities, from established growing businesses to complex, structured and sponsor-backed transactions. Working closely with our Debt Finance, Credit Analytics and Portfolio Management teams, you'll provide independent challenge, help structure transactions and deliver high-quality credit recommendations to Credit Committee.
Unlike more traditional banking environments, you'll have direct exposure to senior decision-makers, the opportunity to influence deals from an early stage and the ability to make a real impact on how we lend.
We're looking for someone who is commercially minded, comfortable challenging the status quo and excited by the pace and ownership that comes with working at OakNorth.
WHAT YOU'LL DO
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.
YOU'LL BE A GREAT FIT IF YOU HAVE…
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.
WHY OAKNORTH?
At OakNorth, you'll have the opportunity to work on meaningful, complex lending transactions without the layers of bureaucracy often associated with larger institutions.
You'll be part of a business that values independent thinking, commercial judgement and people who take ownership. We move quickly, challenge conventional approaches and use technology and AI to continually improve how we work.
As we continue to grow, you'll have the opportunity to influence not just individual transactions, but how we approach lending and risk management more broadly.
If you're an experienced credit professional looking for greater ownership, exposure to senior decision-makers and the opportunity to make a real impact, we'd love to hear from you.
WHAT WE OFFER
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
ABOUT US
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy. This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We're not looking for just another cog in the wheel — we want bold thinkers and proactive self-starters who are eager to shape their own careers while supporting the UK's most driven business leaders.
ABOUT THE TEAM
Our Financial Crime team sits within the second line of defence at OakNorth Bank, operating across all areas of the UK and US business. We're a lean, high-accountability function that covers the full spectrum of financial crime risk and we work closely with the business to make sure OakNorth grows in a safe and sustainable way. The team advises, challenges, and enables — not just polices. We're also at an exciting inflection point, actively building out our use of AI to modernise how second-line risk management works in practice.
ABOUT THE ROLE
The Manager, Financial Crime is a mid-senior advisory role reporting to the MLRO. This is a great opportunity for someone with solid financial crime foundations who is ready to take on broader scope, build meaningful stakeholder relationships, and grow their impact across a dynamic, regulated environment.
Location for this role can be either London or Manchester.
WHAT YOU'LL DO
Provide advisory on financial crime escalations to second line. This will include CDD, high risk situations, PEPs, gifts and entertainment, sponsorships and more — exercising sound judgement on complex matters and escalating appropriately.
Bringing commercial and balanced mindset to everything you do, enabling safe scale and growth
Supporting and/or leading the delivery of BAU delivery items – policy, risk assessment, training, MI: the good stuff!
Identify and help deliver AI use cases that improve the efficiency and effectiveness of second-line financial crime risk management. Help take us to the next level of AI-nativeness!
YOU'LL BE A GREAT FIT IF YOU HAVE…
Around 5 years' experience in financial crime within a regulated banking or financial services environment
A solid grounding across AML, ABC, fraud, and sanction (and the regs that underpins them), 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
WHAT WE OFFER
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
OAKNORTH · JOB ADVERT
Associate Vice President – Commercial Real Estate Credit Analysis
Credit · Portfolio Monitoring & Credit Analytics
📍 India | 🕐 Full-time | 🏢 Hybrid | 🎯 Associate Vice President
ABOUT US
At OakNorth, we’re on a mission to empower ambitious businesses and the communities they serve. Since 2015, we’ve lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE TEAM
The Credit Analytics team sits at the heart of OakNorth’s lending business, delivering rigorous financial and credit analysis across a diverse portfolio of commercial loan opportunities. Our CRE specialists work closely with Debt Directors, Risk, and client-facing teams in the UK and US to ensure every real estate lending decision is underpinned by deep sector knowledge, robust financial modelling, and a thorough understanding of the borrower’s operating environment.
ABOUT THE ROLE
We’re looking for an Associate Vice President to join our Credit Analytics team, specialising in Commercial Real Estate lending across the UK and US. You’ll 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. This is a high-impact role for someone who combines deep CRE expertise with strong financial acumen and a sharp, clear communication style.
WHAT YOU’LL DO
Conduct detailed analysis of loan opportunities across all major CRE property types — Residential, Office, Retail, Industrial, Lodging, and Healthcare — in the UK and/or US.
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.
Review and evaluate third-party reports including property appraisals, valuation reports, and cost budgets; interpret and analyse rent rolls, operating statements, and lease schedules.
Interact with clients to discuss data gaps, inconsistencies, and analytical frameworks; liaise with Debt Directors and other stakeholders throughout the credit process.
YOU’LL BE A GREAT FIT IF YOU HAVE…
5–8 years of relevant experience in credit analysis, CRE finance, 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.
Strong understanding of Commercial Real Estate, including proficiency in interpreting rent rolls, operating statements, lease schedules, and third-party valuation and appraisal reports.
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 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 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.
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.
OakNorth's lending business is scaling across the UK and US, and we need a Sales Enablement Lead to join our growing Commercial Strategy team.
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.
• 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
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
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
ABOUT US
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy. This is an exciting opportunity to join a dynamic, fast-growing bank known for challenging the status quo. We're not looking for just another cog in the wheel — we want bold thinkers and proactive self-starters who are eager to shape their own careers while supporting the UK's most driven business leaders.
The role:
You will manage a book of complex real estate and property-backed loans, owning both the customer relationship and the post-origination credit risk, including customers showing early signs of financial distress. You will work with an analyst team based in India.
The portfolio:
Sectors: residential and commercial real estate (investment and development), student accommodation, co-living and retirement living, and property-backed hotel and healthcare loans
Facilities: investment, transitional, development and buy-to-let loans, and lender finance, including revolving credit facilities (RCFs) and loan-on-loan facilities to real estate lenders
Loan sizes: typically £1m to £50m
What you’ll do
Monitor the book: annual reviews, quarterly covenant testing, early warning signs and forward-looking stress testing. On investment loans, track rent, occupancy, interest cover, valuation and refinance risk; on development loans, assess drawdowns against monthly monitoring surveyor reports, cost to complete, programme and exit.
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, and the Bank’s security over the underlying real estate.
Make in-life credit decisions: approve drawdowns, annual reviews, valuations, waivers consents and extensions within your delegated authority and recommend those above it.
Manage distress: spot underperformance early, agree a clear strategy and lead negotiations with borrowers, sponsors and advisers on waivers, amendments, extensions and restructures, returning loans to standard or exiting without impairment.
Present to credit committee: review and recommend credit papers and present them verbally, defending recommendations under challenge.
Lead the team: manage, develop and coach a team of Directors, allocating the book, reviewing credit decisions and building capability across the team.
Work with the India analyst team: direct day-to-day work, review outputs ,coach analysts and work across time zones/georgaphies.
Professional engagement: Hands on engagement with external professional advisors legal, valuers, PMS etc.
Work with AI: use the Bank’s approved AI tools day to day and help find step changes in how the book is managed.
What you’ll bring
• Extensive (10-15 Years) UK real estate lending or portfolio management experience across investment and development, ideally at a bank or specialist lender and in more than one sector.
• Experience of revolving credit, loan-on-loan or lender finance facilities, or a strong working understanding of how they are structured and monitored.
• Strong credit appraisal, financial analysis and modelling skills; comfortable with LMA documentation.
• Experience of managing underperforming and distressed credits, with a working knowledge of restructuring and insolvency.
• A track record of negotiating confidently and presenting clearly, both verbally and in writing, to senior stakeholders and credit committees.
• Actively looking for opportunities to grow back book; cross selling bank offering
• Openness to AI and new ways of working.
What we Offer
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
ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
nCino on Salesforce is the platform our lending teams use to originate, approve and manage commercial loans in the UK and US. As Staff Engineer you will be the technical lead for the Salesforce / nCino engineering team in Gurugram. You will own the technical direction of the platform, lead the team's most complex work hands-on, and be the main engineering contact for Lending, Credit and CRM stakeholders.
• Integration modernisation: Lead the move of nCino integrations with our core lending platform off MuleSoft onto direct, well-tested integrations, and retire the old flows safely.
• Platform upgrades: Plan and lead nCino release upgrades across the team, including impact analysis, regression testing and rollout.
• Production support: Own production stability for the lending platform. Lead incident response, root-cause analysis and fixes so loans keep booking without disruption.
• Regulatory change: Deliver regulatory changes in nCino, such as Basel 3.1 requirements, with the audit trail and change control a regulated bank needs.
• Integrations: Design and build integrations between nCino and our CRM, customer portal, customer due diligence (KYC) and credit bureau services, including via our data warehouse.
• Data privacy and access: Lead data privacy work such as record anonymisation, and standardise access rights and the security model across the org.
• Standard features first: Enable standard nCino features (for example product packages) instead of building custom code, and reduce existing customisation where possible.
• Test automation and delivery: Work with QA to grow automated test coverage and improve CI/CD for Salesforce deployments.
• Documentation and debt: Keep technical documentation current, and tidy up technical debt and deprecated components.
• 12+ years of Salesforce engineering experience, including at least 3 years on nCino (Commercial Banking / Loan Origination) or a similar lending platform built on Salesforce
• Deep hands-on skills in Apex, Lightning Web Components, SOQL/SOSL, Flows and Platform Events, and a clear view of when to use configuration and when to use code
• Strong knowledge of the nCino data model and features: relationships, loans, product packages, covenants, collateral and the loan lifecycle
• Integration design experience: REST/SOAP APIs, middleware such as MuleSoft, event-driven patterns, Named Credentials and OAuth, plus error handling and reconciliation between systems
• Salesforce security model: profiles, permission sets, sharing rules and field-level security, and how to design these for least privilege
• Salesforce DX, source control (GitHub), automated testing and CI/CD pipelines for Salesforce (e.g. SFDX, Gearset or Copado)
• Experience planning and running managed-package upgrades with minimal disruption to users
• Experience working in a regulated environment, such as a bank or financial services firm, with change control, auditability and data protection (GDPR)
• Proven technical leadership: setting standards, reviewing code, mentoring engineers, breaking down and estimating work, and making sound trade-offs
• Clear communicator who can work directly with Lending, Credit and Product stakeholders across UK, US and India time zones
• Salesforce certifications (Platform Developer II, Application Architect, Integration Architect) and nCino certifications
• Understanding of commercial lending products and processes, including syndicated lending
• Experience with data warehouses (e.g. BigQuery) and moving data between Salesforce and other systems
• Experience using AI-assisted development tools in day-to-day engineering
We're pragmatic about our technology choices. These are some of the things we use at the moment:
• Salesforce Platform, nCino
• Apex, Lightning Web Components, SOQL, Flows, Platform Events
• Salesforce DX, GitHub, CI/CD
• MuleSoft (being retired), REST APIs, Python and NodeJS services
• PostgreSQL, BigQuery
• AWS, GCP
• incident.io, Jira
We expect you to work in these ways, as well as encouraging and enabling these practices from others:
• 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 optimize for feedback now, rather than presume what might be needed in the future and introduce complexity before it will be used. 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.
• Test outside-in, test first - TDD keeps us confident in moving fast and deploying regularly. We write scenarios first, coupling tests to behavior rather than implementation.
• You build it, you run it - We embrace DevOps culture and end-to-end ownership of products and features. Every engineer has the opportunity to lead delivery of features from start to finish.
• Embrace difference - No egos - people listen to and learn from others at all levels, with strong opinions held loosely. A wide range of voices heard to the benefit of all.
WHAT WE OFFER
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
ABOUT US
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.
ABOUT THE TEAM
The Credit Analytics team sits at the heart of OakNorth's lending business, providing rigorous financial analysis and credit assessment across a diverse portfolio of commercial loan opportunities. We work closely with Debt Directors, Risk, and client-facing teams in the UK to ensure every lending decision is underpinned by deep analytical insight and a thorough understanding of the borrower's operating environment.
ABOUT THE ROLE
We're looking for a Senior Associate to join our Credit Analytics team, taking ownership of detailed loan analysis across sectors and geographies. You'll build financial models, draft concise and well-structured credit reports, conduct sensitivity and stress testing, and engage directly with clients to discuss data and analytical frameworks. This is a high-impact role for someone who combines strong financial acumen with sharp communication skills and a genuine curiosity for business and markets.
WHAT YOU'LL DO
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.
YOU'LL BE A GREAT FIT IF YOU HAVE…
5+ 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
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.
ABOUT US
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.
ABOUT THE TEAM
The Credit Analytics team sits at the heart of OakNorth's lending business, providing rigorous financial analysis and credit assessment across a diverse portfolio of commercial loan opportunities. We work closely with Debt Directors, Risk, and client-facing teams in the UK to ensure every lending decision is underpinned by deep analytical insight and a thorough understanding of the borrower's operating environment.
ABOUT THE ROLE
We're looking for a Senior Associate to join our Credit Analytics team, taking ownership of detailed loan analysis across sectors and geographies. You'll build financial models, draft concise and well-structured credit reports, conduct sensitivity and stress testing, and engage directly with clients to discuss data and analytical frameworks. This is a high-impact role for someone who combines strong financial acumen with sharp communication skills and a genuine curiosity for business and markets.
WHAT YOU'LL DO
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.
YOU'LL BE A GREAT FIT IF YOU HAVE…
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
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.
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
Our Debt Finance team sits at the heart of OakNorth’s lending business. Sitting alongside our real estate finance team, leverage finance team, and fund finance team, this newly established role in structured products supports OakNorth’s mission of providing financing to specialist lenders and non-bank finance providers, including securitisations within specialty finance. We structure lending against underlying loan portfolios, working with colleagues across Credit, Legal and Transaction Management, and Portfolio Management.
As a Senior Director or Director in Debt Finance, you will originate, structure and execute financing for specialist lenders and non-bank finance providers, with a focus on securitisations within specialty finance. 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.
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.
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.
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
The role
OakNorth's lending business is scaling across the UK and US, and we need a Business Development Representative to join our growing Commercial Strategy team.
Our next good deal should not depend on who happens to find us.
As a Business Development Representative, you own the front end of our lending pipeline. That means two things.
Generating new opportunities. You work hand in hand with Marketing, turning campaign themes, target segments and ideal customer profiles into live outreach: multi-touch sequences across email, phone and LinkedIn, follow-up on the demand our campaigns generate, and the account research that makes it land. The output is qualified meetings with the right people.
Qualifying inbound leads. You own inbound enquiries end to end: researching them, screening them, and routing them, within SLA, to the right Originator.
What you’ll do
Outbound
Run marketing-led outbound campaigns. Take the segments, messaging and campaign themes Marketing develops and put them into market as multi-touch, multi-channel sequences, run at a consistent cadence.
Research accounts and personalise. Understand a business and its situation well enough to earn a first conversation.
Feed back on what is working. You are closest to the response (which messages land, which segments go quiet, which objections keep recurring). Campaign design gets better because you tell Marketing what you are seeing.
Inbound
Work the demand Marketing generates. Content downloads, webinar and event registrations, website enquiries. You pick these up quickly, research them properly, and convert those that meet our criteria.
Own the inbound queue. Qualify and route every inbound lead within SLA, with the research already done before it reaches an Originator.
Across both
Qualify with rigour. Screen against our policies and credit appetite. Saying “this is not a good fit, and here is why” is as valuable here as saying yes.
Nurture over time. Most businesses worth lending to are not ready today. Keep warm, useful relationships with prospects and referrers until they are.
Keep the data clean. Accurate CRM records and weekly pipeline reporting. What you build gets reused in outreach across the bank.
Work shoulder to shoulder with Originators. Take their feedback on lead quality seriously, and adjust how you work.
What this role is not
It is not a closing role. You will not negotiate or sign facilities. You hand over to an Originator once a prospect is properly qualified.
It is not a volume-dialling role. Hard-selling outreach damages our standing within the market.
It is not a role that pays for activity. Booking a meeting is not the finish line.
The Profile
You are likely to be early in your career with some exposure to lending, credit or financial services. How you work matters more than the exact shape of your CV.
You will bring:
Overall 1-4 years of experience in Sales/Business Development with prior experience working in a banking/fintech industry.
Enough finance grounding to qualify a lead properly: you can hold a sensible conversation about how a business loan is structured and assessed, or you can learn that quickly and want to.
Experience working to targets in an outbound role, and the resilience that takes. Outbound means hearing “no” far more often than yes, and we need you as sharp at the end of a campaign as at the start.
Credibility with senior people. Originators need to take your leads seriously from early on, and prospects and advisers need to find you worth their time.
Real organisational discipline. You keep records accurate and current without being chased.
Clear, concise written English. Most of the first impressions you make will be in writing.
ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
About the team
Personal Savings and Wealth exists to make saving simple, personal and rewarding, helping families build financial confidence from everyday savings to long-term plans.
We own the full product lifecycle, from spotting customer needs and shaping propositions through to design, build, launch and growth. That means the end-to-end experience across mobile and web, the secure, resilient systems behind it (money movement, identity and customer servicing), and working closely with marketing, operations and commercial teams to take products to market and measure what lands. We’re constantly improving our core savings products while bringing new ones to life, combining thoughtful design, strong engineering and a sharp commercial focus.
The role
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
We're pragmatic about our technology choices. These are some of the things we use now:
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
We expect you to work in these ways, as well as encouraging and enabling these practices from others:
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.
How we expect you to behave
We embrace difference and know that when we can be ourselves at work, we are happier, more motivated, and creative. We want to be able to bring our whole selves to work, have our own perspectives and know that we belong. As such, through your behaviours at work, we expect you to reflect and actively sustain a healthy engineering environment that looks like this:
A wide range of voices heard to the benefit of all
Teams that are clearly happy, engaged, and laugh together
Perceivable safety to have an opinion or ask a question
No egos - people listen to and learn from others at all levels, with strong opinions held loosely
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
OAKNORTH · JOB ADVERT
Manager – Financial Planning & Analysis
Finance · FP&A
ABOUT US
At OakNorth, we’re on a mission to empower ambitious businesses and the communities they serve. Since 2015, we’ve lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE TEAM
The FP&A team at OakNorth is a high-impact function that sits at the intersection of finance and strategy, partnering with senior leadership — including the Global CFO — to drive financial planning, performance reporting, and strategic decision-making. We build the frameworks, models, and narratives that translate financial data into clear, actionable insight for the business, its board, and its investors.
ABOUT THE ROLE
We’re looking for a Manager to join our FP&A team, owning the production of MIS, management packs, and board presentations while partnering closely with business and functional leaders on budgeting, forecasting, and cost management. You’ll draft management commentary, oversee monthly P&L tracking, contribute to investor relations, and build scalable reporting frameworks — all while engaging directly with senior leadership to support strategic decisions. This is an ideal role for a commercially sharp finance professional who combines technical excellence with strong storytelling and stakeholder management skills.
WHAT YOU’LL DO
Prepare accurate and timely monthly and quarterly MIS, management packs, and board and executive presentations, ensuring financial insights are communicated clearly and compellingly.
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, driving cost discipline and efficiency across the organisation.
Oversee monthly P&L tracking and closing, working closely with the Controllership team to ensure accuracy and insightfulness of reporting.
Engage and communicate effectively with the Global CFO and Senior Management, providing clear, concise, and actionable insights that support strategic decisions.
Support financial planning, forecasting, and scenario analysis, building robust models to underpin decision-making; contribute to annual budgets, multi-year financial plans, stress testing, and scenario planning.
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 to enhance efficiency and insight delivery.
YOU’LL BE A GREAT FIT IF YOU HAVE…
6+ years of experience in FP&A and/or Equity Research, preferably within banking or fintech, with a strong understanding of P&L, Balance Sheet, and key business and financial drivers.
Proven expertise in budgeting, forecasting, scenario planning, and variance analysis, with the ability to link financial results to operational and accounting drivers.
Advanced Excel skills including financial modelling and automated templates (Macros/VBA preferred); strong PowerPoint skills to craft compelling, insight-driven presentations.
Hands-on experience with dashboarding and visualisation tools such as Power BI or Tableau; ability to work with GL/ERP systems (e.g. NetSuite) and data warehouses to automate and scale reporting.
Excellent storytelling, influencing, and partnering skills, with the ability to simplify complex analysis into clear business messages for senior leadership.
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, with the ability to integrate such tools into FP&A workflows.
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
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.
OakNorth is a digital bank for entrepreneurs, by entrepreneurs. Since our launch in 2015, we’ve backed ambitious businesses across the UK and US with over £21bn in funding, helping create more than 56,000 jobs and 34,000 new homes. We combine deep credit expertise, technology and a customer-first mindset to help businesses grow.
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.
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.
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.
Lending
Working-capital
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.
If you’re motivated by complex lending challenges and enjoy combining rigorous analysis with practical, relationship-led execution, we’d love to hear from you.
","descriptionPlain":"OakNorth is a digital bank for entrepreneurs, by entrepreneurs. Since our launch in 2015, we’ve backed ambitious businesses across the UK and US with over £21bn in funding, helping create more than 56,000 jobs and 34,000 new homes. We combine deep credit expertise, technology and a customer-first mindset to help businesses grow.\n\n\n\n\nWe’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.\n\n\n\nThis 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.\n\n\n\n\nWHAT YOU’LL BE DOING\n\n - Assess new opportunities involving businesses, developing a clear view of the business model, sector, management team, financial and credit profile.\n\n - Build and review financial models, including cash-flow forecasts, debt sizing, repayment capacity, sensitivities and downside scenarios.\n\n - Identify the key risks in a transaction and develop practical mitigants.\n\n - Shape and challenge facility structures and terms with originators, credit and other stakeholders, balancing customer needs with OakNorth’s risk appetite.\n\n - Own day-to-day deal workstreams, coordinating diligence, analysis, credit papers, committee materials, term sheets, legal documentation and completion requirements.\n\n - Present clear analysis and recommendations to senior stakeholders, and contribute to credit discussions with well-reasoned judgement.\n\n - Build trusted relationships with borrowers, advisers and intermediaries, and contribute to developing a high-quality pipeline of opportunities.\n\n - Review work and share your expertise with junior colleagues, helping strengthen the quality and consistency of the team’s analysis and execution.\n\n - Work closely with colleagues across debt finance, credit, legal and portfolio teams to support a smooth transition from origination through completion and ongoing monitoring.\n \n \n\n\nWHAT WE’RE LOOKING FOR\n\n - Strong experience in accountancy, commercial lending, debt finance or a closely related area, with the ability to take ownership of complex transaction workstreams.\n\n - Relevant exposure to businesses and their financing needs\n\n - Excellent financial analysis and modelling skills, including cash-flow assessment, debt sizing and downside analysis.\n\n - Sound credit judgement and the ability to identify the risks that matter, test assumptions and explain your conclusions clearly.\n\n - Experience preparing or reviewing credit papers, committee materials, term sheets or transaction documentation.\n\n - Confidence managing multiple stakeholders and workstreams, keeping transactions moving while maintaining accuracy and attention to detail.\n\n - Clear written and verbal communication, with the confidence to explain complex analysis to both specialist and non-specialist audiences.\n\n - A collaborative, low-ego approach and a genuine interest in supporting the development of colleagues around you.\n \n \n\n\nPARTICULARLY USEFUL EXPERIENCE\n\n - Lending\n\n - Working-capital\n \n \n\n\nWHAT YOU CAN EXPECT\n\n - Meaningful ownership of live transactions and the opportunity to influence how lending solutions are structured.\n\n - Close partnership with experienced originators and credit colleagues, with access to senior decision-makers.\n\n - A varied portfolio of businesses and financing situations, with scope to deepen your expertise in trading and wholesale lending.\n\n - A collaborative team environment that values commercial thinking, sound judgement and high standards of execution.\n\nIf you’re motivated by complex lending challenges and enjoy combining rigorous analysis with practical, relationship-led execution, we’d love to hear from you."},{"id":"6f804c5c-63e8-4d99-ba8a-249c6d8d3d7d","title":"Salesforce nCino Consultant (6 months)","department":"Engineering","team":"Lending BAU","employmentType":"Temporary","location":"Gurugram","secondaryLocations":[],"publishedAt":"2026-11-02T07:10:09.862+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"Gurugram","addressCountry":"India","addressLocality":"Gurugram"}},"jobUrl":"https://jobs.ashbyhq.com/oaknorth/6f804c5c-63e8-4d99-ba8a-249c6d8d3d7d","applyUrl":"https://jobs.ashbyhq.com/oaknorth/6f804c5c-63e8-4d99-ba8a-249c6d8d3d7d/application","descriptionHtml":"ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE ROLE
The mission of the Salesforce/nCino Engineer will be to create well-structured technical design for the assigned user story / task by carefully considering the existing implementation and think from the customer’s perspective.
WHAT YOU'LL DO
Should have more than 4-5+ years of extensive experience in Salesforce, and 2+ years on nCino Commercial Lending
Analyse User Stories, understand requirements and raise concern(s) over technical and functional gaps OR unaddressed scenarios (if any)
Provide accurate estimates for user stories.
Create well-structured technical design for the assigned user story / task by carefully considering the existing implementation and thinking from customer’s perspective.
Develop Test Classes with optimum code coverage as per Salesforce defined best practices and Oaknorth's defined specifications.
Develop a high-quality, simple, maintainable, optimized, and extensible Salesforce platform-based solution that adheres to Oaknorth's Coding / Config Best Practices.
Perform unit testing of developed functionality to ensure it has minimal functional and technical errors.
Develop Test Classes with optimal code coverage as per Salesforce Best practices and Oaknorth's specifications.
Resolve identified bugs efficiently in first iteration only.
Proactively communicate progress and risks to relevant stakeholders
Create documentation such as design documents, specifications etc.
Help teammates on technical and other aspects, as and when needed.
Should be flexible to extend working hours in critical phases.
YOU'LL BE A GREAT FIT IF YOU HAVE…
5+ years of total and relevant experience
Experience working in an Agile/Scrum development process.
Capable of working on multiple fronts
Capable of meeting strict timelines
Well versed with nCino and Commercial lending domain.
Well versed with Lightning Framework, Lightning App Builder.
Well versed with Apex Classes, Aura Components, LWC, SOQL, Visualforce and JavaScript
Well versed with Salesforce Platform Events, CDC, REST and SOAP based API integrations
Well versed with Salesforce Flows, Approval Processes, Process Builder and Workflows
Well versed with CI/CD - GitHub
Well versed with Salesforce Reports and Dashboards
Well versed with Salesforce Data import and export.
Working knowledge of JIRA and Confluence.
Experience developing with VSCode.
Experience in a Client Facing Role.
Excellent Communication Skills.
Nice to Have
Ability to assess whether a problem can be addressed using standard nCino features rather than customizations.
Experience in designing and creating CI/CD pipelines.
Knowledge of Apex Enterprise Patterns and Apex Design Patterns
Working knowledge of Salesforce Digital Experience - Communities / Sites
Working knowledge of Lightning Design System
Certifications - Salesforce Platform Developer I and II
ABOUT US
At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
ABOUT THE ROLE
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'll 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. You'll also contribute to the development of OakNorth's internal coding agent platforms, so security fixes can scale safely.
WHAT YOU'LL DO
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.
YOU'LL BE A GREAT FIT IF YOU HAVE…
Engineering Skills
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.
Application Security Skills
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.
AI & Agentic Security Skills
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.
Remediation & Architecture Skills
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.
Collaboration & Communication Skills
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.
Mindset & Attributes
Ownership and a bias to action: comfortable taking on ambiguous, hard problems and seeing them through to resolution.
Pragmatic, risk-aware judgement when balancing speed of remediation against the risk of change.
Curiosity and continuous learning as threats and agentic technologies evolve.
WHAT WE OFFER
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
ABOUT US
At OakNorth, we’re on a mission to empower ambitious businesses and the communities they serve. Since 2015, we’ve lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
We’re an entrepreneurial, technology-led bank, combining deep lending expertise with data, technology and AI to make better decisions and deliver a different experience for our customers.
THE ROLE
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.
You’ll operate across every lending function and work directly with senior leadership - the connective tissue between the lending team and the rest of the business - with a seat at the table on strategy and board-level planning.
You will identify the biggest opportunities and constraints, turn strategy into clear plans and both lead and support delivery across key initiatives.
This is a broad, hands-on mandate for someone who owns problems, builds solutions and gets things done.
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
Partner with lending leadership to set and align OKRs, dovetailing into the Monthly Business Reviews, Quarterly Business Reviews, and strategic planning operating rhythm
Own the roadmap for our highest priority strategy and operational initiatives - including growth bets into new sectors and geographies
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
Own the commercial operating model, including the agenda on recruitment, org design, capability, and our capacity model
Improve the end-to-end lending journey and build scalable, efficient processes, with an emphasis on where we need human touchpoints versus technology, automation and AI
Manage a small team across marketing, revenue operations and sales enablement
We are open on background. You may have worked as an Operating Partner, Chief of Staff, Strategy & Operations leader, business builder or general manager. How you think and operate matters most.
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