Manager: Credit Rsik Oversight

Job Description:
Provide leadership and oversight of credit risk across retail and business banking segments.
Collaborate closely with senior management to align credit risk strategies with group-level risk objectives.
Ensure an effective credit risk governance framework is implemented and maintained.
Oversee and enhance credit modelling, risk assessment methodologies, and decisioning processes.
Mentor and develop junior risk professionals, fostering a culture of accountability and continuous improvement.
Work alongside credit and collections teams to optimise first-line credit risk practices.
Support enterprise-wide risk initiatives within the ERM structure, ensuring integration across business units.
Drive improvements to credit processes, monitoring, and risk reporting.

Skills & Experience:
810 years experience in credit risk management, including quantitative risk analysis and modelling.
Strong understanding of retail and business banking credit environments.
Proven leadership capabilities with the ability to influence and engage stakeholders at all levels.
Solid experience in credit governance and risk framework implementation.
Ability to operate in a fast-paced, high-demand environment with shifting priorities.
Strong commercial acumen and problem-solving capability.
Excellent communication, stakeholder management, and decision-making skills.

Qualification:
Relevant Degree in Finance, Risk Management, Economics, or related field.
Postgraduate degree or professional risk certification advantageous.