Enterprise Risk Management

• Develop and implement the Enterprise Risk Management Framework.
• Maintain the corporate Risk Register.
• Conduct regular enterprise-wide risk assessments.
• Monitor the organization's overall risk profile.
• Recommend appropriate mitigation strategies.

Credit Risk Management

• Monitor portfolio quality and risk concentration.
• Analyze PAR, NPL, write-offs, recoveries, and provisioning trends.
• Review credit underwriting policies.
• Recommend portfolio risk limits.
• Conduct stress testing.

Operational Risk

• Identify operational risks across branches and Head Office.
• Analyze operational losses.
• Improve internal controls.
• Monitor Key Risk Indicators (KRIs).

Regulatory Compliance

• Ensure compliance with NBC regulations.
• Support risk-related regulatory reporting.
• Coordinate with Compliance and Internal Audit.

Business Continuity Management

• Develop Business Continuity Plans (BCP).
• Conduct Disaster Recovery Testing.
• Review crisis response procedures.

Risk Reporting

• Prepare monthly Risk Dashboard.
• Present risk reports to Management and the Board.
• Monitor risk appetite and tolerance.

Fraud Risk

• Monitor trends of fraud.
• Conduct fraud risk assessments.
• Recommend preventive controls.

Policy Development

• Development and update:
• Risk Management Policy
• Credit Risk Policy
• Operational Risk Policy
• Fraud Risk Policy
• Risk Appetite Statement

Staff Development

• Train branch managers on risk awareness.
• Coach Risk Officers.
• Promote a strong risk culture.

• Bachelor's Degree in Finance, Banking, Accounting, Economics, Risk Management
• Preferred Master's Degree, FRM, CFA, CIA, CRM Certification
• Minimum 5–8 years in banking or microfinance.
• At least 3 years in risk management.
• Experience with Credit Risk, Operational Risk, Enterprise Risk, Internal Control
• Enterprise Risk Management
• Basel Principles (preferred)
• NBC Regulations
• Credit Risk Analysis
• Portfolio Analysis
• Risk Dashboard Development
• Data Analysis (Excel, Power BI preferred)