The Director is responsible for overseeing credit risk activities  and will review and challenge strategy proposals to ensure growth is consistent with the company’s risk appetite. The role demands a strong analytical mindset, critical thinking skills, and a self-starting approach.

Key responsibilities include:

• Proactive Monitoring and Strategy Enhancement: Proactively engage with First Line partners, independently monitor strategies and performance, and leverage business acumen, credit experience, and quantitative skills to deliver data-informed insights and recommendations for strategy enhancement opportunities.
• Governance and Operational Controls: Lead the governance and oversight of operational controls supporting credit strategy changes, ensuring strong change management, data integrity, and strict adherence to risk and compliance standards across all lending portfolios.
• Risk and Control Self-Assessments (RCSA): Challenge and strengthen first line RCSA processes by providing effective second line oversight, identifying control gaps, and driving remediation to enhance the overall control environment.  Cross-Functional Partnership: Partner cross-functionally with Credit, Operations, and Risk teams to enhance control design, monitoring, and sustainable risk management practices.

What you’ll do:

• Innovate… Bring your brightest ideas to independently review and challenge algorithmic risk strategies, including but not limited to credit underwriting, pre-screen targeting & risk tier assignment.
• Data Driven… Your deep analysis will power insight-gathering
• Iterate, learn, innovate… We are all responsible for innovation and must embrace a test-and-learn mentality and data-driven decision making.
• Collaborate… Work collaboratively with business partners to ensure optimal decision making to protect the Bank
• Control the Risk and Drive Performance Outcomes … Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Independently monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions.
• Challenge the Status Quo … Challenge others, continuously raise the bar, build better processes and attack hard problems to help First Line Credit team and the business build responsible strategies within risk appetite

• Are you interested in this position?

   

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