Portfolio Head: Retail, Wholesale, Fleet and Corporate Credit

About the role

The Portfolio Head will provide strategic and executive leadership across Toyota Financial Services' end‑to‑end credit value chain. Reporting to senior leadership, the role balances growth, risk, customer experience and profitability while safeguarding portfolio quality and regulatory compliance.

Key responsibilities

• Develop and lead the overall credit strategy aligned with corporate objectives and risk appetite.
• Establish credit policies, frameworks, methodologies and decision‑making principles for retail, wholesale, fleet and corporate segments.
• Monitor credit risk appetite, limits and early‑warning indicators; oversee credit risk identification, assessment, mitigation and monitoring.
• Lead the design and refinement of credit scoring, risk‑based pricing and decisioning models.
• Partner with sales, dealer development and wholesale teams to drive sustainable portfolio growth.
• Build and manage a high‑performing credit leadership team, set performance standards and succession plans.
• Ensure efficient, consistent credit decisioning and optimise approval rates and turnaround times.
• Take executive accountability for portfolio performance, monitoring trends, arrears, defaults and recoveries.
• Provide strategic oversight of collections and recoveries, leveraging data and predictive analytics.
• Drive data‑driven credit processes, incorporating advanced analytics, machine learning and automation while maintaining governance.