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Leadership and strategic vision in setting an overall strategy for the evolution of credit risk across retail lending portfolios
Deep technical experience in retail credit risk portfolio management and oversight, including detailed knowledge and experience of personal loans, or SME Lending (can be either or both) - must be considered an expert in relation to consumer or SME lending. Experience of other asset classes within retail banking would be an advantage
Knowledge of regulatory requirements related to retail lending including the Capital Requirements Regulation, MCOB, CONC would be helpful
Knowledge of lending through partnership agreements with third party originators either through forward flow agreements or other broker-led models
Ability to review and challenge data including data relating to credit risk models used for underwriting, financial forecasting, pillar 2a and stress testing
Deep analytical skills combined with the ability to communicate complex information in Plain English
Keywords - Retail Credit Risk Management; Unsecured Lending; Unsecured Loans; Personal Lending; Basel II; Pillar 2; Pillar II; Pillar 2a; CRR / Capital Requirements Regulation; Head of Risk; Head of Credit Risk; CRO