Role Summary The Credit andamp; Operations Director is a key member of the senior management team, responsible for leading and optimising the credit, collections, compliance, and administrative functions within the Business Unit. This role plays a pivotal part in defining and delivering the BU''s credit strategy, driving operational efficiency, and ensuring regulatory and policy compliance - all while contributing to the overall profitability and performance of the organisation. Key Responsibilities Strategic Leadership andamp; Credit Oversight Develop and implement the credit strategy for the Business Unit in line with business goals. Set and monitor credit and operational KPIs, providing leadership across departments to meet performance targets. Identify underperformance and lead corrective action planning with senior stakeholders. Drive continuous improvement initiatives using lean methodologies and best practice. Governance andamp; Compliance Ensure full compliance with Group credit policies, AML, PEP requirements, and local regulations. Maintain strong internal control environments and risk management procedures. Lead all governance and compliance reporting for credit and operational functions. Operational Excellence Lead and develop the credit andamp; operations team, fostering a high-performance culture and succession planning. Oversee administrative functions including reporting, systems, and process development. Embed KPI dashboards and tools