A highly dynamic Credit Risk leader with extensive knowledge of retail credit products (Mortgages / Credit Cards / Overdrafts / Loans) covering all aspects of credit risk. I have over 13 years experience in credit risk management, with significant expertise in using credit data and analytics to help senior stakeholders, understand, assess, quantify, and manage credit risk. I have expertise in Credit Risk Strategy, Credit Analytics, and management of key Financial Credit Risk estimates including IFRS 9 Impairment and AIRB Capital estimates used for strategic planning and stress testing. A large degree of my experience has been developed through managing credit impairments and provision adequacy under IFRS 9 accounting standards, and prior IAS39. This requires close collaboration and strong engagement with stakeholders throughout Risk and Finance, as well as deep understanding of the credit portfolios. My experience coupled my excellent communication and stakeholder engagement skills, has given me the ability of providing clear and concise messaging for committees, senior audiences, and regulators. I am particularly strong in delivering technical messages to non-technical audiences. I am a believer that understanding data and delivering best in class analytics is central to making sound credit risk judgments and developing strategies. I have proven track record in leading Credit Risk managers and technical specialists, as well as growing and developing analytical teams. KEY SKILLS Communication / Listening Inspiring Motivation Stakeholder Engagement Problem solving / Critical Thinking Leading through change / uncertainty Regulatory Engagement IFRS 9 Provisioning & Impairments Credit Risk Management / Credit Strategy Risk Appetite Governance / Committee Reporting Credit Analytics / Credit Modelling Strategic Planning / Forecasting AIRB Capital Management Credit Risk Stress Testing & ICAAP