Requirements

• Bachelor’s degree in Finance, Business Administration, Risk Management or a related field
  
• Relevant postgraduate/master’s degree or professional certifications such as CFA, ACA, ACCA, ICM, FRM, or PRM preferred.
  

Experience:

• Minimum of 8 - 10 years of experience in retail credit risk management within the financial services industry, with at least 5 years in a leadership/supervisory role.
  
• Proven track record of managing credit risk in a retail lending environment
  

Enterprise Risk Management Framework;

• Develop, implement, and continuously enhance the Enterprise Risk Management (ERM) framework across the organization.
  
• Define and maintain the organization’s risk taxonomy, risk appetite statements, and risk governance structures.
  
• Ensure alignment between enterprise risk strategy, business strategy, and regulatory expectations.
  
• Lead the identification, assessment, prioritization, and mitigation of enterprise-wide risks.
  

Risk Assessment and Monitoring:

• Oversee periodic enterprise risk assessments (ERAs) covering credit, operational, market, compliance, technology, and strategic risks.
  
• Ensure effective implementation of risk and control self-assessments (RCSAs) across functions.
  
• Monitor key risk indicators (KRIs) and emerging risk trends, escalating material issues proactively.
  

Portfolio, Operational & Strategic Risk Oversight:

• Oversee enterprise-wide risk exposure across portfolios, products, and business lines.
  
• Assess the impact of macroeconomic trends, regulatory changes, and competitive dynamics on overall risk posture.
  
• Collaborate with business units during new product development, digital initiatives, and major transformations to assess risk implications.
  

Risk Governance & Reporting:

• Prepare and present comprehensive enterprise risk reports to the CRO, Executive Management, and Board Committees.
  
• Support Management and Board Risk Committee meetings with accurate, timely, and decision-oriented risk insights.
  
• Ensure clear communication of risk exposures, risk appetite breaches, and mitigation plans across the organization.
  

People & Risk Culture Management:

• Lead and manage enterprise risk teams, providing strategic direction, coaching, and performance oversight.
  
• Foster a strong risk-aware culture where employees understand their risk responsibilities.
  
• Build risk capability across the organization through training, awareness sessions, and leadership engagement.