Overview

Reporting to the Chief Risk Officer, the role holder will be responsible for ensuring the Credit Risk function meets its objectives of risk control, impairment management, revenue generation through a credit lifecycle and business enablement, while developing and implementing strategies to safeguard the bank's financial stability.

Responsibilities

• Oversee the identification, assessment and mitigation of credit risks across the bank’s portfolio including personal loans, overdrafts and forward flow funding.
• Ensure credit policies and procedures are robust, align with regulatory requirements and support the organisation’s strategic objectives, including PD, LGD, EAD and expected loss models.
• Provide oversight and challenge of credit underwriting standards, portfolio balance, and impairment frameworks and models.
• Independently report on the quality of the credit portfolio, optimise risk reward balance and foster...