The Managing Director, U.S.
Business Banking Credit
Risk & Strategy provides senior first‑line credit risk leadership for U.S.
Business
Banking. The role is accountable for the design, governance, and stewardship of the segment’s credit risk framework, policies, and portfolio risk outcomes, ensuring alignment with enterprise risk appetite, regulatory expectations, and growth objectives. The role serves as the primary subject matter expert and representative of U.S.
Business Banking Credit
Risk with regulators, executive leadership, internal governance forums, and enterprise partners. While day‑to‑day operational execution and transformation delivery are supported by dedicated Operations & Transformation leadership, this role retains accountability for risk strategy, control design, policy integrity, and risk outcomes.
Credit Risk Strategy, Framework & Policy Ownership
- Serve as the primary owner of U.S. Business Banking Credit Risk Policy and associated governance, ensuring alignment with enterprise risk appetite, regulatory requirements, and business strategy.
- Ensure credit policies and risk frameworks are effectively translated into scalable automated credit decision logic across Business Banking portfolios.
- Define and maintain credit risk parameters, underwriting standards, approval authorities, and exception governance frameworks, including risk‑based pricing inputs.
- Develop and oversee the segment’s credit risk framework across retail, wholesale, and upmarket lending, balancing growth, profitability, and risk considerations.
- Provide oversight and effective challenge of credit risk models, methodologies, and assumptions used within the segment.
Portfolio Risk Oversight & Performance Management
- Own portfolio‑level credit risk oversight, monitoring asset quality, profitability, concentration risk, and emerging trends across Business Banking portfolios.
- Assess macroeconomic, market, and competitive dynamics to inform risk posture, policy adjustments, and strategic decision‑making.
- Ensure adherence to established risk limits and controls, escalating material risks, themes, and trends to senior leadership and governance forums.
- Lead first‑line remediation of material risk, portfolio performance issues, and regulatory or audit findings to sustainable resolution.
Wholesale / Upmarket Credit Risk Oversight
- Provide senior first‑line risk oversight for wholesale and upmarket credit activities, including commercial real estate (CRE), Practice Finance, and other specialized portfolios.
- Review and provide independent challenge on high‑risk or complex upmarket transactions to ensure alignment with policy, risk appetite, and portfolio objectives.
- Oversee governance for commercial credit limit onboarding and related risk enablement supporting upmarket strategy execution.
- Maintain expert‑level knowledge of wholesale commercial lending, real estate lending, treasury, and deposit products to inform integrated risk decisions.
Regulatory Engagement & Governance
- Act as the primary point of contact with U.S. banking regulators (including OCC, CFPB, FRB, FDIC, and SBA as applicable) for Business Banking Credit Risk.
- Lead preparation for regulatory examinations, audits, and independent reviews, including executive responses, issue management, and action plans.
- Ensure timely, accurate, and high‑quality responses to regulatory and audit requests and sustained closure of Matters Requiring Attention (MRAs).
- Monitor regulatory developments and assess impacts on Business Banking credit policies, portfolio strategy, and governance (e.g., HMDA, Regulation B/O/W, Dodd‑Frank Section 1071, SBA guidelines, CECL).
Risk Controls, Data Governance & Reporting Oversight
- Ensure effective design and governance of first‑line credit risk controls aligned with enterprise control frameworks and corporate policies.
- Oversee credit risk data governance and reporting standards, ensuring accuracy, consistency, audit readiness, and regulatory compliance.
- Oversee governance and performance monitoring of automated credit decisioning to ensure risk outcomes, fairness, and control effectiveness are transparent and sustainable.
- Sponsor and oversee portfolio risk reporting, dashboards, and analytics used by executive leadership and governance committees.
- Provide oversight of stress testing, scenario analysis, and portfolio risk assessments to evaluate resilience and inform strategic actions.
Technology, Automation & Advanced Analytics (Governance & Strategy)
- Provide strategic oversight and governance for credit technology enablement,