Key skills:

• 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

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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