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Envision Employment Solutions is currently looking for a Credit Risk Director for one of our partners, a leading Digital Bank! Job Summary We are building a digital bank from the ground up, and credit is its beating heart, the discipline that decides who we lend to, how fast we say yes, and how soundly we grow. As Head of Credit Risk, you will design and own the entire credit risk architecture for a bank that underwrites in seconds, not days, and that makes the overwhelming majority of its decisions through models rather than manual review. You will set the appetite that defines how boldly the Bank grows and the guardrails that keep that growth safe, profitable, and fully aligned with CBE expectations. This is a rare opportunity to write the playbook rather than inherit one, fusing deep credit craft with AI/ML decisioning at scale, and building a portfolio that is both ambitious in reach and disciplined in quality. Responsibilities Strategy, Policy & Risk Appetite Own the credit risk strategy, policy suite, risk appetite framework, and governance model across all retail and MSME lending products, fully aligned with the CRO's risk strategy and CBE regulatory expectations. Underwriting & Automated Decisioning Define, validate, and govern the underwriting policy, credit scoring models, and AI/ML decisioning engines that power real-time, straight-through lending, balancing approval rates, expected loss, and customer experience. Establish a robust model governance and validation lifecycle for all scorecards and ML decisioning models, covering development standards, independent validation, monitoring, challenger frameworks, and explainability. Portfolio Quality, Provisioning & Capital Monitor portfolio quality continuously and run the Early Warning Indicator (EWI) framework, escalating material and emerging risks to the CRO with decision-ready analysis. Govern IFRS 9 expected credit loss (ECL) staging, models, and provisioning, and ensure the credit book's contribution to capital adequacy and stress testing is sound under the Basel framework. Collections, Recoveries & Fraud Set and optimize the digital-first collections and recoveries strategy, including segmentation and champion/challenger treatment paths, and oversee credit-related fraud detection, prevention, and decisioning controls. Governance, Committees & Controls Represent Credit Risk in the Board Risk Committee (BRC), Risk & Compliance Committee (RCC), and product approval committees, and manage the policy exception framework with full transparency. People, Leadership & Stakeholders Build, lead, and develop a high-calibre credit risk team, and partner closely with Product, Data Science, Technology, Finance, and Business to embed sound credit thinking into a fast-moving build. Requirements Essential 12+ years in credit risk within banking or financial services, with a proven track record across the full credit lifecycle (acquisition, underwriting, portfolio management, collections, and recoveries). Prior experience as Head of Credit Risk or an equivalent senior leadership role, with proven ownership of credit policy, appetite, and governance. Direct CBE regulatory experience, including deep working knowledge of CBE retail lending and provisioning regulations. Strong, applied knowledge of IFRS 9 (ECL and staging) and the Basel credit risk capital framework. Demonstrated experience operating in or building automated, digital credit decisioning environments, including scorecards and model-driven lending. Bachelor's degree in a quantitative, finance, economics, or business discipline. Excellent senior-stakeholder communication, with a record of presenting to and influencing board-level and executive committees. Preferred Digital bank, neobank, or fintech lending background, ideally in an emerging-market context. Hands-on familiarity with AI/ML credit decisionin