Portfolio Monitoring / Credit analyst offers, Private Credit vs Corporate Banking

London-based, around 3/4 years in corporate banking. Got an offer from a top tier private credit platform in portfolio management. Base about £90-100k + bonus ~60%. Role is mostly standard PM with monthly reviews post origination, refinances, managing distressed names, preparing quarterly investor data, covenants, valuations, cap structure analysis, etc. We don't really do our own modelling given we don't underwrite so it's mostly reusing origination models, etc. They have harder hours, less flexibility, in office most days but very strong brand and platform vs my current place.

My current (UK bank) counter offered with promotion + same base as the above, but lower bonus (probably 20/30%). Same team, same responsibilities: annual renewals, A LOT OF admin / dull work, etc, but you also get do some sporadical interesting transactions (mostly vanilla RCFs/TLs/trade) but in some interesting segments/geographies underseved by other banks, and given you are doing the origination bits, you get a good exposure to deal teams. But I would say that's probably 20% of the job and the rest is much more admin/monitoring/renewal/policy adherence. WLB is amazing, almost no mandatory work in the office policy, but I'll mostly stay there for the internal lateral opps (some present, but not a huge amount tbh), or to keep interviewing externally. 

On paper the private credit gig is the best career move (?), although it's not a standard origination role. But the bank counter is a crazy pay + title bump and I would be stupid to just ignore the benefits of staying a bit longer.

Has anyone made a similar bank to credit fund move? Any regrets going either way? Particularly interested in how much a more back office portfolio management role compares between a bank vs private credit, and what exit opps give you