Senior Credit Risk Manager, Corporate and Commercial, Santander UK. Head of Term Lending Products, corporate and commercial bank, Santander UK. Head of Credit Risk CYB. Extensive experience in Credit Risk Analysis and Decisioning (Corporate, Commercial and Private), leadership, oversight, risk appetite development and management, policy development, portfolio / capital management, pricing, customer facing business development and relationship management. Member CYB UK Credit Committee. Member CYB UK credit decisioning senior leadership team. With CYB 29 years. Roles covering CYB / NAB UK customer base, diverse range of sectors, products and structures. Strong internal and external stakeholder management skills. Proven track record as a people leader. Senior delegated credit risk approval authority holder. Customer focused with strong communication skills.