Head of Credit Risk

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.

• 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 quality of the credit portfolio, optimise risk reward balance, and foster a culture of prudent risk management;
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