Head of Retail Credit
Core
Formulating and executing overall credit risk management strategy for the Retail Banking Division to ensure robust asset quality and alignment with risk appetite.
Role type
Senior IC Head of Retail Credit
Builds
Credit risk management frameworks, underwriting standards, and operational practices for retail banking portfolios.
Domain
Banking / Retail Credit Risk
Deliverable
production ML models
Required skills
Credit risk management, credit underwriting, regulatory compliance, portfolio performance analytics, credit scorecard development, decision engine management, statistical modeling, strategic planning, people management, stakeholder influence
Preferred skills
FRM or CFA certification, experience in international banks or major local banking groups, navigating diverse economic cycles
Technologies
Credit scorecards, decision engines, statistical models
Responsibilities
Devise and direct comprehensive credit risk management frameworks for retail banking portfolios; Oversee end-to-end credit approval and processing functions; Review and update credit-related policies and guidelines; Assess and adjudicate special or exception credit proposals; Implement initiatives to translate risk appetite into operational practice; Provide senior management with reports on asset quality and emerging risk trends
Seniority
Senior, hands-on IC with leadership responsibilities