Leading the team responsible for supporting management of credit risk across the business. Includes credit policy, credit assurance, remediation programs, delegation management, comprehensive credit reporting and other support functions.

Within the Business Banking division, a newly formed credit risk management role with focus to improve existing risk frameworks including application of risk appetite, policy, customer assessment processes. - Review, challenge and influence of a new design for risk appetite at BOQ for business banking. - Review of policy and credit underwriting standards enhancing alignment with market practice and competitiveness to win customers. - Improve business lending application timelines via reengineering the process for assessment of small, medium enterprise customer proposals.

Leadership of a product team responsible for:- Credit risk portfolio management (portfolio c. $130b) for NAB’s small, medium and corporate business customers. - Risk appetite , portfolio monitoring, credit risk policy and assessment requirements. - Management of regulatory issues and engagements, in particular the Australian Prudential Regulatory Authority (APRA) and Financial Services Royal Commission.- ‘Product Owner’ representing executive sponsor for a large ‘agile’ project to strengthen portfolio reporting and the portfolio management function of the NAB business lending portfolio. Project delivered system replacement for a critical component of the credit assessment process. - Management of a quality assurance team oversighting consistency for portfolio data capture by the banker network.

In response to regulatory requirements placed on NAB, delivery of critical changes to uplift the compliance framework for the Credit Risk function and rectify issues identified during a regulatory review of the commercial real estate (CRE) lending portfolio (NAB portfolio largest in Australian finance sector c. $60b exposure).

Leadership of the team responsible for setting and monitoring the framework for implementation of regulatory change across the NAB Group. Responsibilities included identification, coordination and consultation and organisation impact assessment of all regulatory changes related to the industry. Oversight of projects / initiatives to embed organisation changes to adapt to new regulatory/legislative change. Additionally, the team was responsible for management of the regulatory relationship with AUSTRAC.- Realigned the risk framework to better enable assessment and delivery of regulatory change.- Established consistent model for managing the AUSTRAC relationship which was not at an acceptable standard.

Leadership of the team managing, oversighting and providing governance of the Credit Policy Framework for the entire NAB Group with coverage across Australia, New Zealand, United Kingdom, Asia and United States. Focus was to manage and balance policy in alignment with regulatory / legislative standards, business strategy and management of risk facing the business.- Managed a challenging role requiring engagement and achievement of balance across the diverse international environments and senior stakeholders. Regular engagement of senior leaders and presentation to executive committees to propose and agree on the framework, provide insights and development of policy amendments. - Developed and implemented a revised policy governance framework.- Redefined and implemented a revised credit evaluation framework across the NAB Group. to standardise core customer debt servicing evaluation and align with revised regulatory requirements.- Integrated policies and procedures to comply and manage new risks relating to major legislative changes in the finance industry, notably the Personal Property Securities Act (security registration requirements) and Responsible Lending obligations (consumer lending). - Implemented ‘Business Management Excellence’ practices across multiple risk teams to provide continuous improvement and develop operational risk profile. Saved c.1500 hours p.a. of banker data entry and management time via implementation of system capability to improve capture of requests for exceptions to policy rules.

Leadership of a team responsible for the management of consumer and business lending (credit risk) policies and procedures across all the Australian divisions at NAB (10,000+ bankers).- Substantial improvement of delivery times and quality of policy outcomes. - Support of implementation of the National Credit Code (major legislative reform for consumer lending) via development of revised policies and procedures.

Leadership of a team responsible for managing operations and support for the NAB Business Banking segment. Core functions included business stakeholder management for projects and initiatives delivered to the business segment; support of systems / processes; management of regulatory, auditor and other business stakeholder requests.- Influence and support of over 200 initiatives delivered to the business banking at NAB.- Completed training and implementation support of replacement of the credit assessment system.- Significant improvement in response times and management reporting of circa 1000 banker enquires per annum via implementation of a new database.

Business Banking Manager – customer relationship management of a business banking portfolio of small to medium enterprises.Business Acquisition Manager - Origination of $100m new business via business development and management of business referral network.Relationship Manager (Property Portfolio) – assistant manager of a property lending portfolio consisting of large customer exposures up to $200m. Team Leader Customer Support - leader of team of 11 to support a team of relationship managers and business customers including credit analysis and administration.

Research Analyst to support CEO of IBISWorld presentations and industry / business researcher.