Join International Consumer Banking (ICB) as we continue to expand our digital banking and investing platforms across the region. You will help shape how we set, monitor, and report risk appetite, partnering with stakeholders across Risk, Finance, and control functions. This role offers high visibility, cross-functional collaboration, and the opportunity to support new business initiatives.

The ICB Capital & Credit Forecasting team maintains ownership of production, reporting, and analytics for business planning, allowance process, credit loss forecasting, ICAAP/ICARA/CCAR and Risk Appetite. In addition, this team is responsible for providing insights to key business partners on macroeconomic developments and internal risk insights.

As a Risk Appetite Lead Senior Associate in the ICB Capital & Credit Forecasting team, you lead risk appetite regular reporting, annual recertification, new business initiatives assessment, and governance submissions across risk disciplines and geographies. You collaborate closely with stakeholders across Legal Entity Risk, Finance, Controllers, Credit Risk, and Forecasting teams. You translate complex information into clear insights for senior management and support a strong risk and control environment.

Job Responsibilities

• Own the profitability and credit risk appetite annual recertification, quarterly reporting, sensitivity analysis and stakeholder management across geographies and legal entities
• Partner with relevant risk stripe leads across the firm to maintain and oversee a central view of financial risks within ICB
• Lead on risk appetite development where necessary. This could include risk appetite for new lending products and propositions
• Act as a strategic partner to the business and key stakeholders, providing early insights and risk appetite view of new propositions, business plans and macroeconomic changes
• Lead risk appetite policy/procedure development and reviews, as well as proactively make changes as required by the business strategy
• Take ownership of the maintenance and execution of all controls related to key risk appetite processes
• Provide support to Material Risk Inventory (new risk identification, quarterly reporting) and emerging risk identification
• Prepare and deliver impactful presentations for senior management and other key stakeholders
• Relevant experience in credit risk, finance, forecasting, or a closely related risk discipline
• Experience with risk appetite frameworks, key credit risk metrics, and/or regulatory engagement

Required qualifications, capabilities and skills

• Ability to translate economic or technical language into intuitive forms for senior management
• Investigative mindset, motivated to take initiative and solve problems independently
• High level of confidence and strong verbal and written communication skills to manage frequent interactions outside immediate team
• Strong independent mindset and team player, comfortable working with all levels of the organization
• Interest and ability to work in a fast-paced and dynamic environment
• Experience with preparing presentations with clear charts and graphs as well as comfortable in data aggregation and analytics in Excel
• Strong project management skills dealing with multiple stakeholders and priorities at same time, as well as delivering high-quality results within tight deadlines.

Preferred qualifications, capabilities and skills

• Experience with the use of AI tooling is a highly desirable characteristic