Closing Date: 14/7/2026
Interviews will commence from week beginning 20/7/2026.
The Head of Lending Products Risk – Equity and Partnerships is a highly visible Senior Leadership position within the Risk Directorate with direct responsibility for 2nd Line oversight and assurance over all Equity and Partnerships Products managed by NHB.
This role carries significant accountability and encompasses the full product spectrum from the concept / inception / set up through to execution and portfolio management with significant focus on Financial and Non-Financial Risk.
The role will work closely with the other Heads of within the Lending Products Risk team and will be expected to support the Infrastructure and Real Estate lending teams where appropriate.
This role will provide senior support for developing policy and the risk management approach to Equity and Partnerships products, building on and enhancing existing frameworks or helping establish new ones i.e. NHB Policy framework.
This role will have key interface between 1st and 2nd Line of defence, often providing technical advice from both a risk and commercial perspective. You will need to be a strong and proven influencer with good communication skills demonstrating the ability to translate and disseminate technical and often complex concepts into succinct messages and briefings suited to the wide-ranging audience. You will be able to manage difficult conversations, remaining firm on recommendations and achieving positive outcomes taking account of the need to balance Strategic objectives and Policy priorities with risk appetite.
You will need to be resilient and comfortable managing stakeholders at all levels, with the ability to negotiate and persuade, and your discussions will always be shaped by a good risk mgmt. and assurance principles. This role will work with internal stakeholders including Origination, Portfolio Management, Legal and Finance to help progress new Equity and Partnerships transactions and new products design/concept through the approval and implementation process.
This role will also include:
- reviewing, assessing and analysing 1st Line proposals ensuring papers articulate key risks and make clear recommendations escalating proposals and applications where required.
- overseeing each transaction post approval and execution by reviewing Portfolio MI including KPIs and KRIs and pipeline reports.
- exercising CRO Delegated Authority and retain oversight of Equity and Partnerships scheme transactions/credit proposals.
- inputting into a range of corporate projects across NHB including Change Management, People Strategy and Corporate Strategy as and when required.
- lead, line manage, develop and motivate a team via objective setting, performance management, professional development and cross team working opportunities.
- support/deputise for the Assistant Director Lending Products Risk and other Heads of Lending Products Risks as and when required.
You will be able to demonstrate that you can work with others as part of a team in a collaborative and inclusive way.
We are looking for someone who has:
- significant Risk experience gained in Financial Institution (a lending or investment institution).
- knowledge of risk measurement and management techniques with a focus on credit risk in Real Estate lending and /or a solid understanding of the capital markets, coupled with strong real estate knowledge (development and investment).
- knowledge of a wide range of equity products, different equity risk structures and equity portfolio management.
- understanding of investment structures and financing tools utilised within the capital raising spectrum.
- practical knowledge of a good corporate governance, risk identification, mitigation, and management practices.
- understanding of financing and delivery risks in a large scale residential and regeneration projects.
- knowledge of the institutional investment landscape.
- knowledge of the Government housing policy and the housing market.
Homes England: The Housing and Regeneration Agency
We believe that affordable, quality homes in well-designed places are key to improving people’s lives. As the government’s housing and regeneration agency, we create thriving new places and transform urban areas, combining the full breadth of our powers, expertise, land, capital and influence to bring investment to communities and get more homes built.
How? We form long-term partnerships that bridge the gap between the public and private sector to meet local needs and aspirations. We use our influence to champion the creation of sustainable homes, communities and places that are brilliantly designed for the people that live there now, and in the future. And we use our funding and support to build a more resilient, diverse and innovative housing sector, helping new entrants in the market, encouraging modern methods of construction and design, and promoting the utmost attention to building safety.
Together with our partners, we’re accelerating the pace of house building, remediation and regeneration across the country, as we seek to deliver ever more affordable homes in places people are proud to call home for generations to come.
As well as a competitive salary and 33 days annual leave, we are committed to 50/50 hybrid working. We’ll support you, wherever possible, so that you don’t miss out on what matters to you.
Membership of the Homes and Communities Agency Pension Scheme, which is a contributory defined benefit scheme with the amount you receive on retirement based on your salary and years worked at the Agency.
Internal applicants: please note that if you are successful, the salary you are offered will be in accordance with our pay policy. You can find details on the HR Hub SharePoint site.
If you ever need a bit of extra help, we have a great employee assistance programme, a wide range of healthcare plans, financial wellbeing support and access to many great discounts with leading high street names.
Our range of network groups are also there to support you to be yourself at work and play a key role in helping shape our future.
If you are a member of a professional body, we’ll pay for your membership and once you get your digital kit, you’ll be good to go.
Homes England are a geographically diverse community. We work to a 50/50 office/ home based model. Moving back into our office environments has enabled us to utilise our space and time together in the most collaborative way.
We would encourage all applicants to apply as soon as possible as we may close vacancies early should we receive a high number of applications.
We also encourage you to apply using the full application option as opposed to quick apply, this is especially important if you would like to indicate to us that you would like to be considered under the disability confident scheme.
We’re a diverse team of more than 1,000 professionals spanning 17 professions, helping Homes England to be effective, efficient and deliver for communities.
Our people remain at the heart of everything we do, and we’re committed to building an Agency that not only reflects the diverse communities we serve, but also champions inclusion in how we shape homes and places across the country. For more information about our EDI strategy please see our Equality, Diversity and Inclusion Report 2024 to 2025 — Second Edition - GOV.UK
You will be required to have the Right to Work in the UK and Homes England do not offer visa sponsorship. If your application is shortlisted to interview we will require you to provide proof of your Right to Work in the UK at this stage.
Artificial Intelligence can be a useful tool to support your application, however, all examples and statements provided must be truthful, factually accurate and taken directly from your own experience. Where plagiarism has been identified (presenting the ideas and experiences of others, or generated by artificial intelligence, as your own) applications may be withdrawn and internal candidates may be subject to disciplinary action. Please see our candidate guidance for more information on appropriate and inappropriate use.
