As Head of Credit Risk and Analytics, you will lead the Bank’s second line Credit Risk Function, driving the optimisation and embedding of a robust Credit Risk Management Framework. Reporting to the Chief Risk Officer, you’ll play a critical role in shaping the Bank’s credit risk strategy, ensuring it remains scalable, compliant, and aligned with our business objectives.
You’ll be responsible for developing and maintaining a suite of credit risk metrics, management information (MI), and reporting tools that support the Bank’s risk appetite and ICAAP processes. Your leadership will ensure effective oversight of counterparties and transactions, through the design and implementation of credit infrastructure, scorecards, and performance monitoring.
This role demands a strategic thinker and subject matter expert who can collaborate across first and second line functions, provide challenge and assurance, and deliver insights that support the Bank’s growth and regulatory commitments.
The minimum requirements we seek:
1. Extensive experience managing end-to-end credit activities within a retail and/or commercial banking environment, with a proven track record of driving process improvements to deliver best-in-class operations
2. Demonstrated success in setting and executing risk strategies to support year-on-year growth of loan portfolios
3. Strong ability to assess creditworthiness of counterparties, including analysis of financial statements and external research sources
4. Gravitas and confidence in high-stakes negotiations, with the ability to build and leverage strong relationships across internal and external stakeholders
5. Analytical and data-driven mindset, with a focus on identifying, diagnosing, and resolving complex business challenges
6. Proven leadership experience, ideally with a background in building and managing geographically dispersed teams
7. Excellent communication skills, with the ability to engage and influence senior leaders, board members, and global stakeholders
8. Experience in operating or establishing a successful risk-based pricing model
Additional Information:
The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race, religion or belief, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment or disability
This position is based in Dunton, and it is expected the successful candidate will be able to attend the Dunton office for typically 4 days a week and remain flexible on the days they are required to attend the office according to business requirements.
As part of our pre-employment checks process, successful candidates will be required to undergo a criminal record check. This will be conducted in line with the Rehabilitation of Offenders Act 1974 and applied only to unspent convictions.
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