Head: Credit Risk, Business and Commercial Banking
Core
Lead the Credit Risk function for the Business and Commercial Banking (BCB) unit, implementing credit strategy and managing risk across the entire credit lifecycle to support sustainable business growth.
Role type
Senior IC Head of Credit Risk (Business & Commercial Banking)
Builds
Credit risk management frameworks, portfolio reviews, and committee decisions for the BCB unit
Domain
Banking / Credit Risk / Real Estate Finance
Required skills
Credit lifecycle management, People leadership (5+ years), Credit origination and operations management, Stressed/distressed client management, Regulatory compliance, Stakeholder relationship management, Portfolio analysis, Change management
Preferred skills
Real estate finance and property sector experience, Structured property transaction structuring
Technologies
Debt Capacity modelling, PD/LGD/EAD rating methodologies, Collateral valuation tools, Covenant architecture frameworks
Responsibilities
Lead a team of credit risk professionals to deliver proactive risk identification and regulatory compliance; Monitor external environment and conduct horizon scanning for emerging risks; Implement comprehensive Credit Risk Management frameworks; Conduct regular portfolio reviews to identify trends and vulnerabilities; Track and manage KPIs including stage 2/3 names and credit loss ratios; Drive annual credit risk planning processes; Chair BCB Credit, Watchlist, and NPL committees.
Seniority
Senior, hands-on IC with strategic leadership