Head: Customer Credit Scoring & Pre‑Qualification

Job Summary

Responsible for enterprise wide ownership of customer credit scoring and pre qualification, ensuring these capabilities are strategically designed, optimised, and scaled to maximise customer value, credit utilisation, and franchise returns.

Responsibilities

• Own and set the strategic direction for customer credit scoring and pre‑qualification across the bank.
• Define and embed a single line of customer credit scoring, ensuring consistent application across products and platforms.
• Transform pre‑qualification from an under‑leveraged capability into a material driver of credit consumption, utilisation, and customer growth.
• Make enterprise‑level trade‑off decisions balancing customer experience, risk appetite, and value creation.
• Provide senior ownership of optimisation priorities, ensuring decisions are taken at the appropriate enterprise level to unlock step‑change impact rather than incremental improvement...