Key Responsibilities: Act as the primary risk partner to front-office teams, providing guidance on credit and lending risk matters. Review, challenge, and monitor credit proposals, ensuring alignment with risk appetite and regulatory standards. Identify, assess, and mitigate emerging risks across consumer credit and lending activities. Support the development and implementation of risk frameworks, policies, and controls within Private Banking. Drive a culture of risk awareness through training, advice, and engagement with client-facing teams. Collaborate with 2nd line risk and compliance teams to ensure robust governance and reporting. Skills & Experience: Strong background in consumer Duty and lending risk, ideally within private banking or wealth management. Deep understanding of credit risk assessment, portfolio monitoring, and lending processes. Knowledge of relevant regulatory requirements and conduct risk considerations. Excellent stakeholder management skills with the ability to challenge constructively. Strong analytical skills, attention to detail, and sound judgment in decision-making.

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