Responsibilities: The primary responsibility is to assist with the production of enhanced Risk Measurement techniques through the development, and implementation of scorecards, credit risk models, credit grading systems, pricing and profitability models. To provide active statistical support in delivering a Basel II compliant credit risk environment to meet HBOS Group objectives. Working in conjunction with other team members, and across other divisions within the HBOS Group, and third parties, to meet departmental objectives. PRINCIPAL ACCOUNTABILITIES Portfolio Strategy – To assist and support the development and enhancement of credit risk measurement tools and risk reporting/analysis across all exposure categories (e.g. Retail, Business, Corporate, Bank, Sovereign, Specialist Finance). Risk Measurement – Provide statistical input to the development of scorecards, credit grading systems, pricing and profitability models within BOSI to meet regulatory and best-practice requirements and to maximise coverage of the portfolio. This includes contributing to the management of activities outsourced by BOSI to third parties and risk teams elsewhere within the Group. Control Environment – Adhere to the necessary controls for the development, validation, implementation and maintenance of models. Business Processes & IT – Input to the development of risk grading IT solutions to ensure the accuracy of risk measurement across the portfolio and the capture and organization of necessary data. New Products & Market Opportunities – Contribute to the work of project teams as to the appropriate use of risk models and scorecards in new market initiatives.

The Individual: Confident, Self-motivated, and well organised. Analytical thinker. A good team player. Strong interpersonal skills, able to liaise with Senior Management and colleagues

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