We are seeking an experienced credit risk leader to take ownership of a growing team and drive the analytical foundation of our retail lending business. In this role, you will shape risk strategy, enhance our modelling landscape, and ensure robust portfolio performance and regulatory compliance. Responsibilities Guide and support a team of analysts, ensuring strong performance and professional growth. Drive analytical initiatives that shape credit risk strategies and decision‑making. Track and evaluate portfolio metrics, identifying shifts in approval behaviour, emerging risk patterns, and loss dynamics. Translate analytical findings into practical recommendations for portfolio steering. Oversee the creation and refinement of credit scoring tools, IFRS 9 models, and customer segmentation approaches. Strengthen data governance within the risk area by improving data accuracy, consistency, and accessibility. Work closely with technical and business teams to enhance reporting structures and data pipelines. Maintain adherence to regulatory standards and prepare the risk function for audits and committee discussions. Represent credit risk perspectives in cross‑functional forums and stakeholder meetings. What You Bring Academic background in a quantitative discipline such as mathematics, statistics, economics, or finance. Several years of experience (5 years) in retail credit risk, portfolio insights, or similar analytical roles. Hands-on leadership experience or a strong track record managing complex analytical workstreams. Proficiency in data and modelling tools such as SQL, Python, R, or SAS. Solid understanding of regulatory frameworks and risk reporting environments. Ability to communicate analytical conclusions clearly and convert them into actionable business steps.