Jobs, fresher vacancy - Head of Credit and Country Risk (2nd Line of Defence) • UK

Company: Crown Agents Bank

UK

Job DescriptionYou'll play a critical part in shaping our 2nd line of defence Credit and Country risk strategies, enhancing our risk frameworks, tools and analytics, and ensuring we maintain a healthy balance between risk and growth as we scale operations across multiple regions and support core commercial activities in emerging and frontier markets across the globe.Credit Risk Oversight:Lead the further development and execution of the company’s Credit risk framework, policies, and processes.Own Credit risk appetite settings and monitor portfolio performance against these thresholds.Drive improvements in Credit risk assessment tools, models, and decisioning processes.Further evolve portfolio, concentration and optimization analytics to proactively manage Credit risk across multiple products, services and geographiesPartner with Commercial and Finance teams to ensure lending decisions align with overall business strategy and risk appetiteReview and approve high-value or non-standard credit applications.Input into important strategic and regulatory processes including preparation of annual and interim financial reports including IFRS9, Pillar 3 Disclosures, ICAAP, ILAAP, Recovery and Resolution Planning, TCFD and other sustainability disclosures, etcCountry Risk Analysis:Provide 2nd line oversight and guidance in deep-dive risk assessments of economic, political, regulatory, legal and social factors impacting countries where we operate or plan to enter.Further develop and evolve a dynamic Country risk rating model and risk assessment approaches to support portfolio management and strategic decision-making.Prepare regular Country risk reports, exposure and concentration analysis and briefings for senior management and the board.Act as an internal expert on macro and sovereign risk, advising teams on current and potential risks and market developments.Leadership & Governance:Lead and develop a high-performing Credit and Country risk analysis team.Work in partnership with other 2nd line Risk and Compliance colleagues as well as business and commercial stakeholders and ExCo membersRepresent Credit and Country Risk in relevant governance forums, including risk committees.Stay ahead of global trends and best practices in Credit and Country risk.