Chief Credit Officer - Retail Banking

We are seeking a Chief Credit Officer (CCO) to lead the credit strategy, governance, and risk oversight for the Retail Banking division.

Key Responsibilities

• Lead and refine retail credit strategy, policies, and underwriting standards.
• Oversee portfolio performance, including credit quality, provisioning, loss forecasting, and stress testing.
• Ensure adherence to regulatory requirements and serve as a key contact for auditors and regulators.
• Drive improvements in credit models, analytics, and digital credit capabilities.
• Lead teams across underwriting, risk analytics, and collections and build a strong risk culture.
• Collaborate with Retail, Risk, Finance, and Operations to support sustainable business growth.

Qualifications & Experience

• 15+ years in retail credit risk management with leadership experience.
• Strong expertise in credit governance, consumer lending, collections, and regulatory frameworks.
• Proven ability to lead teams and influence senior stakeholders.
• Advanced degree in Business, Finance, or related field preferred.