Head Of Secured Wealth Lending

Job Description Role Overview The role will lead the end-to-end strategy, portfolio management, and risk governance for lending solutions tailored to PFS clients. The role encompasses secured lending across securities-backed financing such as (Lombard/SBL), unit trusts, treasury products such as bonds and structured notes, insurance. Ensuring prudent risk management, regulatory compliance, and commercial growth. You will partner closely with relationship Managers, Product Teams, Risk, Legal/Compliance, and Credit teams to deliver client-centric lending solutions aligned with the Bank’s risk appetite and strategic priorities. Key Responsibilities 1) Strategy & Growth Define and execute the Wealth Lending strategy across PFS (e.g., securities-backed lending such as portfolio financing, insurance premium financing) Build pipelines with RMs and market heads, focusing on wallet share growth, cross-sell (investments, FX, deposits), and sticky balance sheet development Lead product marketing, pricing frameworks, and client education on efficient leverage and risk. 2) Portfolio Management Own the P&L of the Wealth Lending portfolio: optimize yields, utilization, and risk-adjusted return on capital (RORWA) Monitor portfolio concentrations, counterparty exposures, collateral quality, margin utilization, and limit adherence (single-name, industry, geography, instrument) Oversee margining frameworks (initial/maintenance margins), eligibility lists, haircuts, and revaluation cadences for marketable securities Lead wealth lending command centre during market stress - driving client communications, senior management reporting and front-line guidance 3) Risk & Governance Adhere to robust credit underwriting standards, collateral eligibility policies, and haircut schedules across asset classes (equities, bonds, funds, structured notes). Ensure ongoing compliance with regulatory requirements, cross-border rules, booking policies, and the Bank’s risk appetite. Lead periodic stress …