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 a culture of prudent risk management. Make contributions to the credit risk appetite process for the Bank. Develop the stress testing requirements under the ICAAP. Provide credit expertise input into the SWDP and RRP. Ensure optimal compliance with PRA/FCA regulations and support regulatory interactions. Ensure implementation and compliance of the consumer data protection principles in relation to credit processes. Drive transformation initiatives across credit policies, systems and workflows. Lead the credit risk components of New Product Approvals and Annual Reviews.

Individual Conduct Rules

You must act with integrity. You must act with due skill, care and diligence. You must be open and cooperative with the FCA, the PRA and other regulators. You must pay due regard to the interests of customers and treat them fairly. You must observe proper standards of market conduct.

Qualifications

10 years experience within UK financial services. A degree in business administration in either Finance, Business, Economics or Mathematics/Statistics. In-depth understanding of credit risk and requirements for both secured and unsecured lending. IFRS9 proficiency and application. Exposure to other areas of risk management (market risk, enterprise risk management, operational risk, liquidity risk, capital risk etc.) is an added advantage. Previous experience in dealing with unsecured personal loans, overdrafts and forward flow financing.

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