Consumer Unsecured Risk Head

Job Description

• Implements Risk Appetite framework disciplines and processes for unsecured products to assure business growth and profitability with manageable risk and control.

• Ensures all credit risks are identified, evaluated, monitored, and mitigated.

• Ensures portfolio quality remains good and profitable through credit policy change implementation and credit tests across the credit cycle.

• Ensures credit foundation is strong including the end-to-end scores/risk models implementation across the credit cycle.

• Ensures reliable credit loss and provisioning forecast across multiple products.

• Ensures system and process readiness to support business growth including consumer platform integration project.

• Develops and disseminates risk analysis and progress reports to senior management.

Qualifications

Skills

• Strong analytical skills.
• Strong oral and written communication as well as presentation skills.
• Strong interpersonal skills and negotiating skills.
• Proven time and task management skills with the ability to multi-task effectively.
• Demonstrated leadership.
• Demonstrated history of high ethical standards including discretion in dealing with confidential and financial information. Uses sound judgement and balanced decision making.
• Proven ability to effectively counsel senior management and outside constituents.
• Confirmed talent management experience, with ability to develop and retain staff.
• Ability to excel in a fast-paced, changing environment.

KPI

• Board Approved - Risk Metrics and Risk Balance Scorecard Targets

Job Description

• Implements Risk Appetite framework disciplines and processes for unsecured products to assure business growth and profitability with manageable risk and control.

• Ensures all credit risks are identified, evaluated, monitored, and mitigated.

• Ensures portfolio quality remains good and profitable through credit policy change implementation and credit tests across the credit cycle.

• Ensures credit foundation is strong including the end-to-end scores/risk models implementation across the credit cycle.

• Ensures reliable credit loss and provisioning forecast across multiple products.

• Ensures system and process readiness to support business growth including consumer platform integration project.

• Develops and disseminates risk analysis and progress reports to senior management.

Qualifications

Skills

• Strong analytical skills.
• Strong oral and written communication as well as presentation skills.
• Strong interpersonal skills and negotiating skills.
• Proven time and task management skills with the ability to multi-task effectively.
• Demonstrated leadership.
• Demonstrated history of high ethical standards including discretion in dealing with confidential and financial information. Uses sound judgement and balanced decision making.
• Proven ability to effectively counsel senior management and outside constituents.
• Confirmed talent management experience, with ability to develop and retain staff.
• Ability to excel in a fast-paced, changing environment.

KPI

• Board Approved - Risk Metrics and Risk Balance Scorecard Targets