Kylie Mayes

As Head of Risk for Line of Business (LOB) within consumer division, led Risk delivery xx transformation of first party mortgages risk management from both financial and non-financial perspective. This included:
• Lead Regulatory engagement with APRA on Prudential matters relating to the Residential Mortgages Portfolio including delivery of xx .

• Approving risk appetite and corrective actions to manage risks.

• Leading digital transformation of credit processes.
• Approving risk profile reviews, emerging risk

• Endorsing product changes relating to credit, risk based pricing and non-financial risk aspects.
• Oversight of controls and value chain, including providing advice in case of a compliance or operational risk breach.
• Approval authority at xx

Implemented credit risk monitoring and overall risk appetite framework across financial and non-financial risk.
• Responsible for compliance with Risk Management Framework
• Drove application of forward-looking risk monitoring and stress testing framework for portfolio decision making and risk appetite setting.
•Represented divisional CRO at xx

•Supported Crisis Management Team to develop response to the pandemic xx
•Oversight over product changes spanning both financial and non-financial risks including credit policies, campaign executions and pricing.
•Oversight of controls in line with risk management framework and regulation, including providing advice in case of a breach.

Formed and led the first multi brand team comprising credit underwriting, recovery and workout and second line assurance teams.

Responsible for delivering Commercial Credit strategy and delivering strategic transformation initiatives xx FTE

• Managed a diverse portfolio of clients across various industries successfully while adhering to strict underwriting guidelines and regulatory requirements.
• Conducted thorough reviews of credit policies, identifying areas for improvement and ensuring adherence to compliance guidelines.
• Implemented innovative credit analysis techniques, leading to improved underwriting standards and reduced loan defaults.
• Monitored key performance indicators closely, making informed decisions based on trends and patterns observed within the portfolio.
• Streamlined workflow systems within the department by introducing automation tools that led to increased accuracy and time-saving efficiencies.