1) Develop and implements policies and procedures that reduce Retail credit risk. 2) Identifying and evaluating threats, and developing alternative courses of actions to avoid, reduce, or transfer Retail risks. 3) Develop Retail Risk Assessment criteria and customer eligibility for the company products. 4) Analyze the portfolio Retail Credit Risk prepare reports to the management. 5) Update the RAC based on the portfolio analysis. 6) Aligning the entity’s risk appetite and strategies; 7) Enhancing the rigor of the entity’s risk-response decisions; 8) Reducing the frequency and severity of operational surprises and losses; 9) Identifying and managing multiple and cross-enterprise risks; 10) Proactively seizing on the opportunities presented to the entity; and 11) Improving the effectiveness of the entity’s capital deployment.