Job Description Lead and oversee the Scored Lending portfolio by managing credit risk, portfolio performance, and policy adherence within the Bank's risk appetite. Prepare and deliver high-quality credit risk and portfolio reporting to management and governance committees. Drive data-driven decision-making through continuous monitoring of portfolio trends, risk indicators, and emerging risks to support sustainable growth. Qualifications Type of Qualification:  First Degree Field of Study:  Statistics, Mathematics, Actuarial Science, Economics, Finance, Data Science, Banking, Accounting, Computer Science, or a related quantitative discipline. Experience Required 5-7 years Credit Data Analytics within consumer banking. Experience in (preferably Digital consumer credit) data exploitation and business intelligence development and implementation Experience in the extraction, transformation and visualisation of data using bank approved toolsets e.g. SQL/SAS/Python/PowerBi Additional Information Behavioural Competencies: Articulating Information Documenting Facts Examining Information Exploring Possibilities Interpreting Data Managing Tasks Providing Insights Team Working Technical Competencies: Data Management  Evaluating Risk Management Effectiveness Risk Awareness Risk Management Risk Reporting Statistical & Mathematical Analysis