Head Business and Commercial Banking - 34798

Itchyfeet Recruitment AgencyVia agency

Full TimePermanentNot specifiedLegal

Posted 15 March 2026Closes 6 May 2026

Apply for this role ⇄ Compare with another role

👤 For candidates

🤖 Enhance with AI

›Leverage AI tools for portfolio risk analysis automation
›Use predictive analytics to identify emerging credit risks
›Streamline compliance monitoring with AI-powered dashboards

📈 Disruption outlook

1 yr

5 yrs

10 yrs

% risk of significant disruption

🎓 Learn now

📚 For full-time, part-time & evening courses on the Isle of Man, visit University College Isle of Man (UCM)

🏢 For employers

🔄 Alternatives

🤖 AI AgentAzure AI Credit Risk Bot

Automates credit portfolio analysis and reporting tasks

💻 TechnologyPower BI

Visualises credit risk trends for faster decision-making

🌍 OutsourcingRegTech Compliance Services

Handles routine regulatory monitoring and documentation

⚡ Recommendation

⚡ Augment role

AI can automate analysis; leadership and stakeholder tasks require human expertise

Microsoft Copilot & M365

Power BI

Analyse and visualise credit risk portfolio data

Copilot for Excel

Automate credit risk reporting and forecasting

Power Automate

Streamline compliance workflows and regulatory updates

38% Medium riskAI 65%

AI Exposure (AIOE)65%

Financial Risk Specialists

O*NET 13-2054.00

Top Skills

Risk Management Regulatory Compliance Stakeholder Management

⭐ Growing🇬🇧 Visa eligible↑ 26% Claude Index

Job Description

Our client is seeking a Head of Credit Risk for a designated Business Unit in a Tier II country. The role entails leading the Credit Risk function to ensure effective credit risk management across the entire credit lifecycle. This position involves implementing the Business Unit's credit strategy in alignment with country-level credit objectives, risk appetite, and regulatory requirements. The successful candidate will support sustainable business growth while maintaining a high-quality credit portfolio. Please email team@itchyfeet.im or follow the link for further information and for details on how to apply https://itchyfeetoffshore.com/jobs/34798-head-business-and-commercial-banking-credit-risk-isle-of-man-1/

Automation Risk

Automation probability38%

AI exposure (AIOE)65%

This role contains a mix of strategic, judgment-based, and stakeholder-facing tasks that resist full automation, but many analytical and reporting activities are highly exposed to AI augmentation. Routine compliance and data analysis tasks are increasingly automatable, raising the overall AI exposure score, while leadership and decision-making remain human-centric.

Task analysis

Lead the credit risk function for the business unit, ensuring alignment with country-level strategy and regulatory requirements.
Develop and implement credit risk management frameworks and policies across the credit lifecycle.
Analyze credit portfolio performance and identify emerging risks using statistical and econometric models.
Ensure compliance with internal and external regulatory requirements related to credit risk.
Advise senior management on credit risk appetite, limits, and mitigation strategies.
Oversee the development and validation of risk assessment models and methodologies.
Coordinate with business and commercial banking teams to support sustainable growth while maintaining portfolio quality.
Monitor regulatory changes and assess their impact on credit risk policies and practices.
Prepare and present risk reports to executive leadership and regulators.

Automatable AI-assisted Human-only

Occupational Classification

✨ Bright Outlook🇬🇧 UK Skilled Worker Visa Eligible

UK SOC2020: 2423 — Management Consultants and Business Analysts

O*NET: 13-2054.00 — Financial Risk Specialists

AI analysis: 15 March 2026

UK Salary Benchmark

Legal activities · ONS ASHE 2024 annual earnings

scale £60k

UK sector median

£37,557

UK sector mean

£51,801

£0£15k£30k£45k

👤 For Candidates

AI & future-of-work guidance

🤖 Enhance with AI

›Leverage AI tools for portfolio risk analysis automation
›Use predictive analytics to identify emerging credit risks
›Streamline compliance monitoring with AI-powered dashboards

📈 Disruption outlook

1 yr

5 yrs

10 yrs

% risk of significant disruption

🎓 Learn now

📚 For full-time, part-time & evening courses on the Isle of Man, visit University College Isle of Man (UCM)

🏢 For Employers

Strategic hiring options & technology alternatives

🔄 Alternatives

🤖 AI AgentAzure AI Credit Risk Bot

Automates credit portfolio analysis and reporting tasks

💻 TechnologyPower BI

Visualises credit risk trends for faster decision-making

🌍 OutsourcingRegTech Compliance Services

Handles routine regulatory monitoring and documentation

⚡ Recommendation

⚡ Augment role

AI can automate analysis; leadership and stakeholder tasks require human expertise

Microsoft Copilot & M365

Power BI

Analyse and visualise credit risk portfolio data

Copilot for Excel

Automate credit risk reporting and forecasting

Power Automate

Streamline compliance workflows and regulatory updates

Key Skills

Risk ManagementExpertRegulatory ComplianceAdvancedStakeholder ManagementAdvancedCritical ThinkingAdvancedJudgment and Decision MakingExpertFinancial ReportingIntermediateData AnalysisAdvancedAdministration and ManagementAdvancedProject ManagementIntermediateTeamworkIntermediateCredit Portfolio ManagementExpert

Knowledge Areas

Risk ManagementFinancial Regulations and ComplianceCredit and Financial MarketsData Analysis and ReportingRegulatory ComplianceBusiness ManagementBanking Products and ServicesAudit and Internal Controls

Alternative Career Paths

Chief Risk Officer90% match

Leads enterprise-wide risk management across all risk types for a financial institution.

Head of Compliance80% match

Oversees regulatory compliance and governance functions for a bank or financial services firm.

Credit Portfolio Manager85% match

Manages and optimizes the risk-return profile of credit portfolios.

Business Unit Director75% match

Leads overall business strategy and operations for a banking division.

Also Consider

Credit Risk Manager Financial Risk Analyst Chief Risk Officer Head of Compliance Credit Portfolio Manager Risk and Compliance Director Banking Operations Manager

🔥 Hot Technologies

In-demand tools for this occupation (O*NET)

IBM SPSS StatisticsSASTensorFlowThe MathWorks MATLABGoogle DocsMicrosoft WordOracle PeopleSoftSAP softwareAmazon Web Services AWS softwarePyTorchServiceNowYardi software