Vice President

• Lead strategic relationships with vendors and clients
• Ensure delivery of technical products and services
• Collaborate with internal and external teams for solution design and implementation
• Create monitoring and performance management frameworks

Application Service Delivery Lead – VP

• Develop segment-specific credit strategy, including risk appetite setting, early warning indicators, capital and impairment forecasting, and strategic credit analytics.
• Enable robust governance to support capital optimisation and informed growth decisions.
• Define and embed associated credit risk management practices to ensure effective operational implementation, adoption, and delivery in line with agreed methodology, governance standards, and risk objectives.
• Ownership of impairment forecasting for the PWB credit portfolio, including Expected Credit Loss (ECL) projections under IFRS 9.
• Development and maintenance of forward-looking portfolio scenarios, incorporating macroeconomic assumptions and stress outcomes.
• Active monitoring of actual versus forecast impairments and capital consumption, with clear articulation of drivers and emerging trends.
• Support the definition and calibration of portfolio specific risk appetite metrics aligned to Group and Wealth risk appetite statements.
• Ongoing monitoring of portfolio performance against approved limits, thresholds, and early warning indicators.
• Escalation of breaches or emerging risks with clear root cause analysis and recommended management actions.
• Contribution to governance forums through concise, insight driven portfolio reporting.
• Support current MI capability, consolidating fragmented data into a consistent and usable information to stakeholders.
• Translate manual, disparate credit data into timely, decision-ready portfolio insights for Credit, Risk, Finance, and Business forums.
• Shift reporting from descriptive, retrospective MI to forward-looking, actionable analytics.
• Reduce reliance on manual data extraction, reconciliation, and ad-hoc reporting.
• Enable faster, higher-quality credit and portfolio decisions through clear, aligned MI outputs.
• Development of advanced portfolio analytics to support strategy, including risk-adjusted returns, concentration risk, and client-level risk profiling.
• Identification of structural risks and opportunities within the portfolio to inform product design, pricing, and growth strategies.
• Support stress testing and scenario analysis to assess portfolio resilience under adverse conditions.
• Provision of decision support for strategic initiatives, including portfolio optimization and growth prioritization.
• Deliver insight-led MI that explains portfolio behaviour, performance drivers, emerging risks, and concentrations.

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Application Service Delivery Lead – VP

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