The opportunity
🚀 We’re on a mission to make money work for everyone.
What you'll do
Credit Risk Framework and Appetite
Developing, implementing and continuously improving our Credit Risk Framework: in Europe, keeping it aligned to the entity's strategy.
Formulating and overseeing the Credit Risk Appetite Statement and its limit: structure, so lending growth stays inside agreed boundaries.
Turning appetite into practical limits, triggers and escalation paths, and: overseeing how the First Line of Defence (1st LoD) puts them into practice.
Embedding group-wide credit risk frameworks locally, with clear escalation: between global standards and local policy.
nd LoD oversight of credit risk activities
What they're looking for
- Giving independent oversight and challenge across credit policy, underwriting: and credit decisioning strategies, affordability, pricing, and collections and recovery.
- Issuing formal 2nd LoD opinions on new products, policy and strategy changes, and material lending decisions.
- Reviewing portfolio asset quality regularly, including performance trends,: vintage analysis and emerging pockets of risk.
- Overseeing the adequacy assessment of IFRS 9 impairment provisions, and: giving a clear 2nd LoD view on whether provisions are appropriate.
