Head of Credit and Country Risk (2nd Line of Defence)

Head of Credit and Country Risk (2nd Line of Defence), London

Client:

Crown Agents Bank

Location:

London, United Kingdom

Job Category:

Finance

-

EU work permit required:

Yes

Job Reference:

de1e7cc415d9

Job Views:

4

Posted:

29.04.2025

Expiry Date:

13.06.2025

Job Description:

Job Description

You'll play a critical part in shaping our 2nd line of defence Credit and Country risk strategies, enhancing our risk frameworks, tools and analytics, and ensuring we maintain a healthy balance between risk and growth as we scale operations across multiple regions and support core commercial activities in emerging and frontier markets across the globe.

Credit Risk Oversight:

• Lead the further development and execution of the company’s Credit risk framework, policies, and processes.
• Own Credit risk appetite settings and monitor portfolio performance against these thresholds.
• Drive improvements in Credit risk assessment tools, models, and decisioning processes.
• Further evolve portfolio, concentration and optimization analytics to proactively manage Credit risk across multiple products, services and geographies
• Partner with Commercial and Finance teams to ensure lending decisions align with overall business strategy and risk appetite
• Review and approve high-value or non-standard credit applications.
• Input into important strategic and regulatory processes including preparation of annual and interim financial reports including IFRS9, Pillar 3 Disclosures, ICAAP, ILAAP, Recovery and Resolution Planning, TCFD and other sustainability disclosures, etc

Country Risk Analysis:

• Provide 2nd line oversight and guidance in deep-dive risk assessments of economic, political, regulatory, legal and social factors impacting countries where we operate or plan to enter.
• Further develop and evolve a dynamic Country risk rating model and risk assessment approaches to support portfolio management and strategic decision-making.
• Prepare regular Country risk reports, exposure and concentration analysis and briefings for senior management and the board.
• Act as an internal expert on macro and sovereign risk, advising teams on current and potential risks and market developments.

Leadership & Governance:

• Lead and develop a high-performing Credit and Country risk analysis team.
• Work in partnership with other 2nd line Risk and Compliance colleagues as well as business and commercial stakeholders and ExCo members
• Represent Credit and Country Risk in relevant governance forums, including risk committees.
• Stay ahead of global trends and best practices in Credit and Country risk.

• Degree in Economics, Finance, Risk Management or related field. A relevant postgraduate qualification or CFA would be an advantage.

Experience:

• Proven track record in leading Credit risk management teams, ideally in a lending, banking, or financial services environment.
• Experience of diverse emerging and frontier markets preferred
• Strong background in sovereign or Country risk analysis.
• In-depth understanding of Credit principles, financial statement analysis, and macroeconomic indicators, regulatory requirements, IFRS9
• Experience building and improving risk frameworks, tools, analytics and credit policies.
• Experience of taking the lead and proactively managing and navigating through severe market disruption and escalation of key synthesized Credit / Country exposure and risk information to the ExCo and Board
• Excellent leadership, stakeholder management, and communication skills.
• Able to make confident, data-driven decisions under pressure.

• Hybrid working
• Contributory personal pension plan: - Minimum: Employee 2% and Employer 7%. Employer matches contributions in 1% increments to a maximum of: Employee 5% and Employer 10%
• Life Assurance – 4 times annual salary
• Group Income Protection
• Private Medical Insurance – this may include cover for partner and or children at company cost. Cover includes Optical, Dental and Audiology
• Discretionary Bonus
• Competitive Annual Leave
• 2 Volunteering Days
• Benefit Hub

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Created on 29/04/2025 by TN United Kingdom