The Head, North American Provisioning & Risk Analytics is accountable for leading credit loss provisioning and advanced analytics for Retail and Business Banking portfolios across North America. This role provides deep subject matter expertise in credit loss forecasting, model oversight, portfolio analytics, and risk insights in support of financial reporting, risk management, and enterprise governance.

The role operates at a senior, enterprise-wide level and partners closely with Risk, Finance, Collections, and business leaders to ensure accurate, transparent, and well-governed provisioning outcomes under applicable regulatory frameworks (e.g., CECL, IFRS).

**Key Accountabilities**

+ Lead credit loss provisioning and forecasting activities across North American Retail and Business Banking portfolios, ensuring accuracy, consistency, and regulatory compliance.
+ Oversee credit loss estimation, recovery analytics, and model performance, ensuring alignment wi...