Lead the team of credit analysts, including planning, monitoring, and evaluating their activities.Support the professional development of team members, including business-related training and learning sessions.Develop and implement credit risk analysis methodologies for the WM segment.Design and enhance analytical models, tools, and workflows.Communicate with clients to obtain necessary information and share credit decisions.Define the target segments acceptable for the bank and initiate improvements in credit terms.Assess business initiatives from a risk perspective.Monitor and analyze the impact of statistical models on the credit process.Collaborate with tribes for effective management of the retail portfolio.