Country Head of CCM Services & Lead BCO

The Country Head of CCM Services & Lead BCO is responsible for overseeing and leading Credit and Capital Management products, processes, services [Credit & Capital Management Services Include Lending Product Management, Credit Management, Product Risk (FR/NFR,) Transformation, Data Management & Control, CCM Technology, CCM Operations.] & risk Management across their country. The role holder must work with the CCM COO and the Regional and Global Head of Business Credit Office to define and lead a common, reliable, and predictable underwriting and lending process, that protects the business from exposure, whilst responding to clients borrowing needs. 

Responsibilities:

• Ensuring CCM OKRs are achieved for their respective market
• Lead the execution and implementation of the BCO function, to efficiently manage the underwriting process across country CIB.  The BCO function to be globally leading across the bank, leveraging organizational design capabilities to optimize processes and structures.
• Take a lead in managing the portfolio and risk exposure partnering with banking teams and WCRM to determine and monitor risk appetite
• Drive policy and procedure simplification / optimization to make the underwriting process more effective with a focus on value-add activities and creating risk differentiated processes
• Providing oversight to outsourced credit & capital management services
• Landing an ambitious multi-year transformation journey within their market
• Implementing the Target CCM Services Operating Model and delivering financial targets associated with its’ implementation in the market 
• Manage CCM COO FRP, budgeting and planning processes for the market
• Land locally the transformation and digitisation of the CCM COO journey and lead local initiatives to improve and re-engineer processes for the market
• Monitor and analyse customer feedback, identifying key areas of focus to significantly improve customer outcomes for the market
• Unify and provide direction to a dislocated set of smaller teams, fostering a sense of unity and purpose and embed the Target CCM services operating model
• Oversee and execute the delivery of CCM services in-country (where required), ensuring alignment with regional processes and a seamless and efficient process for customers
• Implement governance frameworks to ensure risks and issues related to the Credit & Lending journey are escalated to regional, and global stakeholders and resolved in a satisfactory manner. Monitor the management of financial and non-financial risks pertaining to the CCM production in partnership with local NFR/Business Risk.

Requirements:

• Extensive years of experience in wholesale credit and lending, with a strong background in coverage, credit management or operations
• Proven track record of leading and managing teams, with experience in organizational design and strategic planning.
• Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior leaders.
• Expertise in credit risk management, control assessment, and SOX compliance.
• Experience in driving digitisation and customer experience improvement initiatives.
• Excellent analytical and problem-solving skills, with the ability to consume large volumes of customer feedback and distil key areas of focus.
• Strong communication and interpersonal skills, with the ability to influence and collaborate effectively across all levels of the organization.