AVP Credit Manager, Securitisation

What you'll do

As an Assistant Vice President Credit Manager Securitisation at MUFG in London, you will be entrusted with responsibilities that are central to the success of the Securitisation Credit Team. Your day-to-day activities will involve reviewing complex credit applications related to asset-backed finance transactions such as auto & consumer credit, RMBS, trade receivables, and other structured products. You will collaborate closely with senior colleagues to ensure recommendations are well-considered and aligned with MUFG’s risk appetite. Portfolio monitoring will be a continuous process requiring vigilance against emerging risks while adhering strictly to regulatory guidelines. You will also contribute actively to developing robust credit risk frameworks that support both shareholders’ interests and client requirements. Your role extends beyond technical analysis; you’ll represent the division at internal forums, share knowledge across teams, support strategic initiatives aimed at improving credit processes, and foster an environment where risk management is embedded into every decision. Success in this position means being dependable in delivering high-quality work under pressure, demonstrating empathy when communicating complex issues to diverse stakeholders, embracing ongoing learning about new asset classes or jurisdictions, and embodying MUFG’s values of integrity and responsibility throughout all interactions.

Assist senior members of the Securitisation Credit Team by reviewing credit applications received and making balanced recommendations to senior management on transaction-specific files.

Continuously monitor the portfolio in line with internal policies and applicable regulatory guidelines, ensuring timely identification of risks and early action where necessary.

Support Group Heads in directing the ongoing development of CIB Credit for EMEA’s credit risk framework, risk appetite portfolio monitoring, and early warning systems.

Develop knowledge across various industries, sectors, countries, players, and financial/legal structures within securitisation while committing to further learning.

Demonstrate MUFG’s Risk Culture Pillars by taking accountability for identifying and mitigating risk; actively manage risk within the department; remain curious by taking proactive ownership; role model risk partnership with colleagues in both 1LOD and 2LOD; challenge existing practices positively.

Represent the credit division at internal forums within the region, sharing insights and collaborating with colleagues across departments.

Support strategic initiatives as an AVP within CIB Credit for EMEA by contributing to projects that enhance credit processes and frameworks.

Ensure high quality written and verbal work when communicating complex credit matters to both senior management and junior staff members.

Operate with urgency when prioritising tasks according to business needs while maintaining accuracy and attention to detail.

Articulate and implement the vision/strategy for CIB Credit for EMEA through clear direction and effective communication with your team.

What you bring

To excel as an Assistant Vice President Credit Manager Securitisation at MUFG London, you will bring proven expertise from previous roles involving credit or structuring responsibilities within financial institutions—ideally focused on securitisation transactions. Your familiarity with asset classes such as auto & consumer credit or RMBS will enable you to assess complex deals confidently. A solid foundation in corporate banking or structured finance ensures you understand both market dynamics and legal implications affecting these products. Your ability to communicate clearly—both verbally and in writing—will be essential when presenting recommendations or collaborating across departments. Academic credentials such as a Bachelor Degree (with preference given to candidates holding a Masters Degree) demonstrate your commitment to professional development. Interpersonal skills are vital: you must be empathetic when engaging colleagues at all levels while remaining open-minded about learning new frameworks or adapting quickly to regulatory changes. Dependability is key—you’ll need a results-oriented mindset paired with accountability for outcomes delivered under pressure. Logical thinking supports your analytical work while strong numerical abilities guarantee accuracy in assessments. Advanced Microsoft Office proficiency rounds out your toolkit for producing insightful reports that inform decision-making.

Comprehensive understanding of asset classes including auto & consumer credit, RMBS (Residential Mortgage-Backed Securities), trade receivables, working capital (receivables/asset backed) transactions, or other structured products.

Solid background in corporate banking or structured finance roles involving credit assessment responsibilities.

Strong knowledge of credit assessment principles as well as market and legal aspects relevant to securitisation transactions.

Ability to communicate effectively with both senior management and junior staff members using clear written and verbal skills.

Bachelor Degree required; Masters Degree preferred for advanced analytical capabilities.

Excellent interpersonal skills enabling collaboration across teams; willingness to learn new asset classes or regulatory frameworks as they emerge.

Results-driven approach combined with accountability for outcomes; proactive attitude towards managing workload efficiently under time constraints.

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