- Own portfolio level GP and ECL performance.
- Maintain ECL/Revenue within risk appetite.
- Optimise PD, LGD, exposure limits, pricing and tenure strategy.
- Design and execute A/B and multivariate tests.
- Design and implement credit policy changes.
- Define clear hypotheses before rollout and quantify impact.
- Lead and build a high-performance risk/analytics team.
- Ensure scaling decisions improve long-term portfolio PV.