Job Summary To provide advice and support in practice formulation and associated best practice improvement tactics; enabling the provision of specialist quantitative analyses expertise. Drive portfolio monitoring frameworks and predictive analytics. Responsibilities Lead the SME Credit analytics strategy and roadmap Oversee development and automation of scorecards (application, behavioural, early warning models) Drive portfolio monitoring frameworks and predictive analytics Lead risk appetite design and optimisation across SME, Agri, Commercial, and Commercial Asset Finance segments Engage senior stakeholders across Risk, Credit, and Business Banking Ensure governance, model performance monitoring, and regulatory alignment Establish a data-driven credit operating model Enhance risk-adjusted returns and portfolio quality Enable strategic growth aligned to risk appetite Improve decision-making speed and consistency through automation Strengthen regulatory compliance and governance framew...