Job Description Lead credit risk management for non-retail portfolios (corporate, institutional, and SME) across regional markets, ensuring alignment with Group risk appetite and standards. Develop, implement, and maintain credit risk policies, frameworks, and underwriting standards suitable for diverse regulatory environments across the region. Review and approve complex and large credit proposals, ensuring appropriate structuring, collateralization, and sectoral risk mitigation. Monitor portfolio performance and concentration risks across industries and geographies, conducting regular stress tests and scenario analyses. Ensure compliance with regional regulatory requirements while maintaining consistency with Group-wide risk governance and Basel standards. Provide consolidated reporting and insights on portfolio trends, risk drivers, and early warning signals to regional senior management and Group committees. Partner with business teams across countries to balance growth opportuniti...