Role PurposeYou will lead the reporting, in-depth analysis, and comprehensive assessment of the credit risk portfolios throughout the product lifecycle, encompassing both onboarding/lending and in-life credit policies. This role will drive the evaluation and strategic management of credit risk, ensuring that our credit policies are robust, effective, and aligned with the company''s risk appetite. You will independently prepare and present advanced data analyses to inform and influence key decision-making processes, with a primary focus on optimising the health and performance of our credit portfolios.Working closely with the wider Credit teams, you will proactively collaborate and provide expert guidance to ensure that data-driven insights and strategic recommendations are developed and implemented to enhance and maintain the Bank''s credit risk position.DescriptionLead the evaluation and optimisation of the creditworthiness assessment of potential clients during the onboarding phase, ensuring alignment with relevant regulation and the company''s risk appetite under guidance.Proactively monitor and provide strategic insights on the credit risk profile and Cost of Risk performance of existing portfolios, identifying and proactively mitigating potential risks throughout the loan lifecycle. Drive the development and implementation of advanced credit risk mitigation strategies, including improving collection and recovery processes, to optimize capital allocation and ensure effect