Head – Retail Risk Management

Summary

The Head of Retail Risk Management holds end-to-end ownership of all retail credit risks, spanning origination and portfolio management. The role is responsible for defining and executing a forward looking, data driven credit risk strategy that enables Finance House to achieve its retail business objectives while positioning the organization as a leading institution in the market. The incumbent will drive innovative, prudent, and scalable risk strategies across the credit lifecycle, leveraging advanced analytics, decision science, big data, machine learning, and AI to enhance portfolio performance, profitability, and long term sustainability.

This is a highly complex, strategic, and technical leadership role with significant influence over retail portfolio growth, asset quality, profitability, and overall risk posture. Decisions made by the incumbent have material financial, operational, and reputational impact on the organization and require a balance of strategic vision, advanced technical expertise, and strong executive influence.

Key Responsibilities
Leadership & Strategy

• Design, build, and lead a high performing Retail Risk department, ensuring optimal talent utilization, capability development, and operational excellence.
• Act as a collaborative executive leader, partnering closely with Product Management, Retail Lending, Sales, Marketing, Operations, Technology, and Service teams.
• Define, own, and continuously evolve the retail credit risk appetite and strategy, aligned with Finance House’s fintech vision and business goals.
• Provide strong risk leadership to support sustainable and profitable growth while optimizing the risk return trade off across retail portfolios.

Risk Analytics, Modelling & Decision Technology

• Drive deep portfolio analytics and performance measurement to identify opportunities for risk, profitability, and process optimization.
• Lead the design, development, deployment, and continuous enhancement of AI based decision engines, leveraging either leading vendor platforms or in-house built decisioning frameworks, across origination and underwriting, limit management and pricing, and early warning systems.
• Oversee the development, validation, governance, and lifecycle management of advanced credit risk models, including machine learning and AI based models.
• Establish robust challenger and test-and-learn frameworks to drive continuous improvement in decisioning outcomes.
• Contribute to the design and enhancement of scalable data infrastructure supporting analytics, modelling, and real time decisioning.
• Develop customer risk segmentation and differentiated credit strategies to optimize risk reward and net financial contribution.
• Forecast key business and risk metrics; oversee stress testing, sensitivity analysis, and scenario planning.
• Establish standardized portfolio, segment level, and executive risk reporting frameworks.

Portfolio Management

• Provide end-to-end leadership of portfolio management activities, including credit policy, analytics and MIS, systems, technology, and capacity planning.
• Define, own, and continuously optimize portfolio strategies across the customer lifecycle to minimize credit losses and enhance portfolio performance.
• Establish and deploy proactive early-warning indicators and monitoring frameworks across products, segments, and acquisition channels to enable timely risk intervention.

Governance, Regulatory & Compliance

• Ensure full compliance with all applicable regulatory and accounting standards, including Central Bank regulations, credit bureau requirements, IFRS 9, Basel frameworks, and local capital adequacy requirements.
• Maintain strong relationships with regulators and external stakeholders, safeguarding FH from regulatory and reputational risk.
• En…