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We are seeking a highly accomplished and strategic leader to join Banking & International Risk (BIR) as the Head of Limits & Portfolio Analytics. This critical Second Line of Defence role will be responsible for defining, implementing, and overseeing the firm's global framework for Wholesale Credit Risk (WCR) Limits Management and advanced WCR portfolio analytics. The successful candidate will drive the strategic direction, development, and execution of robust processes and methodologies to monitor, measure, and manage credit risk concentrations and overall portfolio health across all wholesale business lines and geographies. This role requires deep expertise in credit risk, strong analytical capabilities, exceptional leadership and partnership skills, and the ability to influence at the highest levels of the organization.
Job Responsibility:
Maintain a comprehensive global credit limits framework that effectively identifies, measures, monitors, and controls credit risk concentrations
Proactively simplify and improve existing WCR limits policies, procedures, and processes
Oversee the review, and approval of all WCR limits (e.g., single name, country, industry, product, sector) in collaboration with First Line of Defence businesses, regional risk teams, and senior risk committees
Ensure robust processes for limit monitoring, breach management, and timely escalation, adhering to regulatory requirements and internal policies
Drive the identification of emerging credit risks, portfolio vulnerabilities, and opportunities through in-depth analysis of portfolio data, market trends, and macroeconomic factors
Lead the development and enhancement of advanced credit portfolio analytics tools, and methodologies, including the application of AI-led tools and applications
Oversee the production of insightful portfolio risk reporting for senior management, board, and regulatory bodies
Develop and articulate the strategic vision and roadmap for Limits Management and Credit Portfolio Analytics, in alignment with the firm's overall risk appetite and business objectives
Lead the evolution of credit risk analytics capabilities, leveraging cutting-edge techniques and technologies to enhance insights and improve senior level decision-making
Represent the team on credit risk limits and portfolio matters in interactions with senior management, Board committees, regulators, and external stakeholders
Lead, mentor, and develop a high-performing team of quantitative analysts and risk professionals
Foster a culture of excellence, innovation, continuous improvement, and strong risk management principles within the team
Manage resource allocation, performance management, and career development for the team
Ensure compliance with all relevant regulatory requirements related to credit risk limits and portfolio management
Act as a primary point of contact for regulators on matters pertaining to limits and portfolio analytics, effectively communicating the firm's capabilities and risk management practices
Partner closely with business leaders, finance, ICM, and other risk functions to integrate credit risk insights into strategic planning, capital allocation, and business decisions
Collaborate with technology teams to drive the implementation and enhancement of risk systems and data infrastructure
Requirements:
Master's degree or PhD in a quantitative field such as Finance, Economics, Statistics, Mathematics, Physics, or Computer Science
15+ years of progressive experience in credit risk management, with a significant portion in a senior leadership role within a major global financial institution (e.g., GSIB, investment bank)
Extensive experience in developing and managing credit limits frameworks, including single name, concentration, and country limits
Proven track record in leading and driving advanced credit portfolio analytics, leveraging stress testing, and risk appetite/capital methodologies
Strong grasp of financial products across wholesale portfolios
Demonstrated experience in managing large-scale teams and driving complex projects
Experience in regulatory examinations and successfully navigating complex regulatory landscapes
Exceptional strategic thinking, problem-solving, and decision-making abilities
Superior communication and presentation skills, with the ability to articulate complex concepts clearly and concisely to diverse audiences, including senior executives and regulators
Proven ability to build and maintain strong relationships with internal and external stakeholders, and senior management
Demonstrated ability to influence and drive change in a complex organizational environment
Deep understanding of credit risk models (PD, LGD, EAD), stress testing methodologies, and economic capital frameworks
Proficiency in statistical and analytical tools/languages (e.g., Tableau, SAS, SQL)
What we offer:
medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays