Vice President Credit Manager, Securitisation

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Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

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Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

MUFG, one of the world’s most trusted and respected financial groups, is seeking a Vice President Credit Manager for Securitisation to join their London-based Structured Finance Credit Office (SFCO) EMEA team. This is an exceptional opportunity to become part of a global network with over 150,000 employees and a legacy spanning more than 350 years. As a key member of the credit management function, you will play a pivotal role in reviewing securitisation credit applications, making balanced recommendations, and actively monitoring portfolios in line with internal policies and regulatory guidelines. MUFG offers a supportive environment where integrity, responsibility, and transparency are at the heart of everything they do. You will benefit from flexible working opportunities, generous pension contributions, and access to extensive training programmes designed to nurture your professional growth. The organisation is committed to fostering shared and sustainable growth for a better world, making it an ideal place for those who value collaboration, dependability, and continuous learning.

• Join a globally renowned financial institution with a strong commitment to integrity, transparency, and responsible business practices; enjoy the benefits of working within a diverse and inclusive team that values your expertise and encourages ongoing development.

• Take on a highly influential role where your recommendations directly impact credit decisions for complex securitisation transactions across multiple asset classes; collaborate closely with senior management and contribute to strategic initiatives within the EMEA region.

• Benefit from flexible working arrangements, generous pension contributions, and comprehensive training opportunities that support your career progression while ensuring you remain at the forefront of industry developments in structured finance.

What you'll do:

As Vice President Credit Manager for Securitisation at MUFG’s SFCO EMEA office in London, you will be entrusted with significant responsibility for supporting senior team members in reviewing complex securitisation credit applications. Your day-to-day activities will involve making well-considered recommendations on transaction-specific files while actively monitoring portfolios against internal policies and regulatory guidelines. You will be instrumental in developing robust credit risk frameworks that align with shareholder expectations as well as client needs. By engaging deeply with various asset classes—including auto & consumer credit, RMBS, trade receivables—and expanding your knowledge across different jurisdictions and financial structures, you will help drive strategic initiatives that shape the future of CIB Credit for EMEA. Your role also includes representing the division at regional forums, collaborating globally to ensure consistent credit approval standards across MUFG’s international offices. Success in this position requires you to maintain high standards of communication—both written and verbal—while demonstrating strong oversight capabilities. You will be expected to adapt flexibly to changing responsibilities as directed by management while upholding compliance obligations. Your ability to identify potential conflicts between entities and escalate them appropriately ensures that both MUFG Bank and MUFG Securities EMEA plc are supported effectively. This is an exciting opportunity for someone who thrives in a collaborative environment where their expertise can make a tangible impact on structured finance operations.

• Assist senior members of the Securitisation Credit Team by reviewing credit applications received and making thoughtful recommendations to senior management on transaction-specific files while continuously monitoring the portfolio in accordance with internal policies and regulatory guidelines.

• Ensure all written and verbal work meets high standards of quality and clarity when communicating complex credit matters to both senior management and junior staff.

• Support strategic initiatives within CIB Credit for EMEA by contributing to the ongoing development of credit risk frameworks, risk appetite portfolio monitoring, and early warning systems aligned with shareholder, client, and regulatory expectations.

• Develop deep knowledge of various industries, sectors, countries, players, financial structures, and legal frameworks relevant to securitisation transactions; demonstrate commitment to further learning through active engagement with new asset classes and jurisdictions.

• Model MUFG’s Risk Culture Pillars by taking accountability for identifying and mitigating risks; proactively manage risk within the department; foster positive change by challenging existing practices; and build collaborative partnerships across 1LOD and 2LOD functions.

• Represent the credit division at internal forums within the region by articulating key insights on credit quality trends, portfolio performance, and regulatory developments.

• Work closely with colleagues in Tokyo, New York, Los Angeles, Singapore, and London offices to ensure global consistency in credit approvals for structured finance transactions.

• Identify potential conflicts between MUFG Bank and MUFG Securities EMEA plc requirements; escalate issues as needed while maintaining entity-neutral support in line with regulatory obligations.

• Maintain oversight responsibilities by ensuring delegated tasks are exercised correctly; supervise direct reports as required by functional mandates.

• Adapt to evolving duties as requested by line managers or department heads while complying with controls and compliance obligations outlined in job descriptions.

What you bring:

Your proven experience as Vice President Credit Manager for Securitisation will be evident through your deep understanding of structured finance transactions gained from roles within financial institutions or corporate banking settings. You bring comprehensive knowledge across multiple asset classes—including auto & consumer credit, RMBS, trade receivables—and have demonstrated success in assessing credit risk within these domains. Your academic background supports your analytical skills: holding at least a Bachelor’s degree (with preference given to candidates possessing a Master’s). You possess strong interpersonal abilities that allow you to connect meaningfully with colleagues at all levels—senior management as well as junior staff—ensuring effective communication throughout complex projects. Your willingness to embrace new learning opportunities reflects your commitment to staying current with evolving regulatory frameworks and industry best practices. Attention to detail is second nature for you; you consistently deliver accurate numerical analyses using advanced Microsoft Office tools. In pressured situations you remain calm yet responsive—prioritising tasks efficiently without compromising quality. Your collaborative spirit enables you to thrive within MUFG’s supportive culture where teamwork drives shared success.

• Comprehensive understanding of asset classes such as auto & consumer credit, residential mortgage-backed securities (RMBS), trade receivables, working capital (receivables/asset backed) transactions, or other structured products.

• Proven track record in credit assessment and risk management skills applicable to structured finance transactions; familiarity with market dynamics and legal aspects of securitisation.

• Ability to communicate effectively with both senior management and junior staff members using clear written reports and articulate verbal presentations.

• Bachelor’s degree required; Master’s degree preferred for advanced analytical capability.

• Experience gained from investment banking (credit or front office), rating agencies, legal or accounting backgrounds considered advantageous.

• Strong interpersonal skills enabling effective collaboration across teams; capacity to build trust-based relationships within diverse environments.

• Willingness to learn new asset classes, jurisdictional frameworks, regulatory initiatives; commitment to ongoing professional development through training opportunities offered by MUFG.

• Excellent attention to detail combined with accuracy in numerical analysis; proficiency in Microsoft Office suite essential for reporting purposes.

• Calm approach under pressure coupled with structured problem-solving abilities; readiness to prioritise tasks according to urgency while maintaining high standards.

What sets MUFG apart:

MUFG stands out as one of the world’s leading financial groups thanks not only to its rich heritage but also its unwavering commitment to integrity, transparency, fairness, and responsibility. With headquarters in Tokyo and an expansive global presence spanning over 50 countries—including major hubs like London—the group offers unparalleled opportunities for personal growth within a truly international context. Employees benefit from flexible working arrangements tailored around individual needs alongside generous pension contributions that secure long-term wellbeing. Training programmes are designed specifically so you can continue developing professionally while keeping pace with industry advancements. At MUFG you’ll find yourself surrounded by knowledgeable colleagues who value inclusivity—creating an environment where every voice is heard regardless of background or experience level. The company’s vision is clear: be “the world’s most trusted financial group” by nurturing talent through supportive leadership practices that foster communal achievement rather than individual competition. If you’re looking for an employer who genuinely invests in your future while encouraging collaboration across borders then MUFG is the perfect fit.

What's next:

If you are ready to take your career forward within one of the world’s most respected financial institutions—where your expertise will be valued every day—apply now!

Apply today by clicking on the link provided.

We are open to considering flexible working requests in line with organisational requirements.

MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.

We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.