Risk Management Officer

Risk Identification & Assessment:

• Identify and assess credit, operational, financial, compliance, and emerging risks across business activities.
• Conduct periodic risk assessments and reviews to identify control weaknesses and potential exposures.
• Maintain accurate risk registers and ensure identified risks are properly documented, rated, and monitored.
• Monitor key risk indicators and escalate significant or emerging risks to management.

Risk Mitigation & Controls:

• Develop and recommend practical risk mitigation strategies to reduce identified exposures.
• Review existing controls and recommend improvements to strengthen risk management and operational efficiency.
• Monitor compliance with approved risk policies, procedures, limits, and control frameworks.Follow up on identified control weaknesses and ensure agreed corrective actions are implemented.

Credit & Operational Risk:

• Monitor credit activities and portfolio performance to identify early warning signals and potential areas of concern.
• Review operational processes and transactions to identify risks that could result in financial loss, service disruption, or regulatory breaches.
• Investigate significant risk incidents, operational losses, policy violations, and control failures.
• Collaborate with Credit, Operations, Finance, Compliance, and Internal Audit teams to resolve identified risk issues.

Risk Reporting & Governance:

• Prepare periodic risk reports, dashboards, and management updates highlighting key exposures, trends, and mitigation actions.
• Support the development and continuous improvement of the organization's risk management framework.
• Provide risk input into new products, processes, partnerships, and major business initiatives.
• Support regulatory reviews, internal assessments, and risk-related audits by providing relevant documentation and analysis.

Requirements
Education:

• Bachelor's Degree in: Accounting, Finance, Risk Management, Economics, Business Administration Or a related discipline.
• Relevant professional certification in Risk Management, Enterprise Risk Management, or Financial Risk is an added advantage.

Experience:

• 4–6 years of relevant experience in risk management, internal audit, compliance, credit risk, banking, or financial services.
• Practical experience in risk identification, assessment, monitoring, and mitigation.
• Experience working with risk registers, control frameworks, risk reports, and management dashboards.
• Good understanding of financial services operations, internal controls, and regulatory requirements.
• Strong ability to analyze financial and operational information and identify potential areas of exposure.

Technical Competencies:

• Risk Assessment & Monitoring
• Credit Risk Management
• Operational Risk Management
• Internal Controls
• Risk Reporting & Analysis
• Regulatory Compliance
• Risk Mitigation
• Enterprise Risk Management
• Microsoft Excel
• Risk Registers & Dashboards