Head,NorthAmericanProvisioning&RiskAnalytics

Lead credit loss provisioning and forecasting activities across North American Retail and Business Banking portfolios

and regulatory compliance.

Oversee credit loss estimation

and model performance

ensuring alignment with portfolio characteristics and macroeconomic conditions.

Lead scenario-based loss analytics

and forward-looking assessments to inform portfolio risk insights and financial outcomes.

Provide expert oversight of provisioning models

and regulatory expectations.

Lead integration of provisioning analytics for new portfolios and acquisitions

and capacity requirements.

Drive standardization and consistency of provisioning approaches across Retail entities to support risk appetite measurement and management.

Define business requirements for provisioning analytics

and data infrastructure to enable high‑quality insights and decision support.

Provide second-line oversight and analytical challenge related to Collections performance and outcomes.

and business teams to assess the credit loss impact of portfolio changes

or operating decisions.

Act as a senior subject matter expert on provisioning and credit loss analytics

providing guidance and effective challenge to stakeholders.

Operate as a trusted advisor to senior leaders on credit loss trends

and portfolio performance.

Lead and develop a high-performing team with diverse risk

and business expertise.

Ensure activities comply with the Bank’s Risk Appetite framework

and all applicable regulatory requirements.

Contribute to enterprise governance through participation in relevant committees

and reviews as a senior specialist resource.

Promote continuous improvement

and simplicity in provisioning and analytics processes.

and high-performance team environment.

Support talent development

and succession planning.

Role model the Bank’s values

leadership expectations

and commitment to diversity

Drive collaboration across teams and functions to achieve shared outcomes.