Head: Customer Credit Scoring & Pre‑Qualification

Responsible for enterprise wide ownership of customer credit scoring and pre qualification, ensuring these capabilities are strategically designed, optimised, and scaled to maximise customer value, credit utilisation, and franchise returns.

• Own and set the strategic direction for customer credit scoring and pre‑qualification across the bank.
• Define and embed single line of customer credit scoring, ensuring consistent application across products and platforms.
• Transform pre‑qualification from an under‑leveraged capability into a material driver of credit consumption, utilisation, and customer growth.
• Make enterprise‑level trade‑off decisions balancing customer experience, risk appetite, and value creation.
• Provide senior ownership of optimisation priorities, ensuring decisions are taken at the appropriate enterprise level to unlock step‑change impact rather than incremental improvement.
• Engage senior stakeholders across Product, Group Risk, Finance, and Technology to align strategy, delivery, and outcomes.
• Shift credit decisioning from product‑centric logic to customer‑centric assessment.
• Ensure customers are assessed consistently using a single customer view, regardless of product or channel.
• Improve transparency and explainability of credit decisions.
• Ensure pre‑qualification actively guides customer behaviour toward sustainable and appropriate credit usage.
• Establish clear accountability for customer‑level credit outcomes, including growth, utilisation, and risk performance.
• Move accountability from individual product outcomes to holistic customer‑level performance across the credit franchise.
• Operate at Retail Banking level, spanning Personal and Private Banking.
• Influence all credit products reliant on customer scoring and pre‑qualification.
• Drive improved credit penetration, utilisation of pre‑qualified limits, and customer growth.
• Deliver increased returns while maintaining a stable and sustainable risk profile.
• Be accountable to Group Risk and Finance for performance outcomes linked to customer‑level decisioning.
• Act as the single accountable owner for customer‑level credit decisioning outcomes, reducing fragmentation across products and platforms.
• Own end‑to‑end customer credit decisioning, including customer credit scoring models, pre‑qualification logic and thresholds, decisioning frameworks, platforms, and integrations.
• Optimise end‑to‑end credit processes to reduce manual intervention.
• Drive automation and scalable decisioning.
• Assess and implement alternative and advanced scoring models to improve predictive power, fairness, and value.
• Drive continuous improvement through data, AI, and advanced analytics to materially improve decision quality and scalability.
• Provide strategic direction and oversight to managers responsible for analytics, delivery, and execution.
• Lead through influence beyond direct reporting lines, aligning multiple senior stakeholders across Product, Risk, Finance, and Technology.
• Coach and develop leadership capability within customer credit functions.
• Create a clear progression pathway for future leaders in customer credit.
• Act as a bridge between strategy, technology, and delivery to ensure intent translates into measurable outcomes.
• Free executive capacity by removing the need for repeated senior escalation on customer‑level credit decisioning matters.
• Increase effective utilisation of pre‑qualified credit.
• Successfully implement and embed single line customer credit scoring.
• Deliver faster, more consistent credit decisions.
• Improve credit penetration and new‑to‑bank acquisition.
• Maintain stable risk outcomes while growing volumes and profitability.
• Unlock incremental value sufficient to justify the role through improved decisioning quality, utilisation, and customer‑level outcomes.

• Bachelor's Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)