Leads the Credit Risk, Data and Analytics team, overseeing credit decisioning, pricing, portfolio monitoring and IFRS 9 ECL models. Owns the analytics platform, AI and automation adoption, model deployment, monitoring and governance. Manages delivery through Jira, mentors analysts and data scientists, and communicates insights to senior stakeholders and governance committees. The role requires hands-on leadership across Python, SQL, credit risk modelling, production AI solutions and regulated lending practices.