Head of Risk Management

The role is responsible to keeps credit, capital, liquidity and operational risk within the Board-approved risk appetite and in line with the CBB Rulebook. It leads the end-to-end credit risk function, combining strategic oversight with hands‑on, techno‑functional work in data analytics, credit decision engine management and model development.

Risk Framework and Governance

Design, maintain and review at least annually the ERM Framework and Risk Appetite Statement, for ExCom review and Board approval; report material changes to the Board.

Own the Risk Management policy suite and keep it aligned with CBB Rulebook requirements and changes.

Maintain the enterprise risk register and Key Risk Indicators (KRIs), with tolerance thresholds and escalation triggers.

Provide independent risk sign-off on new products, pricing changes, material business decisions and material variations to the scope of the CBB licence.

Advise senior management on the risk implications of strategy and business decisions across microfinancing, BNPL and credit cards.

Promote a sound risk culture through training and awareness across the three lines of defence.

Credit Risk

Own the credit risk management framework, including product‑level credit policies for microfinancing, BNPL and credit cards, scoring and decisioning criteria, credit limits and approval authorities.

Set loan‑size and tenor grids by customer segment, consistent with the Board‑approved risk appetite.

Review the portfolio's risk indicators daily, including delinquency, arrears, roll rates and early‑warning signals.

Set and monitor portfolio quality metrics (PAR, NPL, default and delinquency rates, roll rates, vintage curves) against approved targets and market benchmarks, and escalates breaches proactively.

Monitor concentration risk by segment, product, merchant and counter party, and advise on collections strategy.

Oversee provisioning and impairment under the IFRS 9 expected credit loss (ECL) methodology, including staging criteria, model assumptions and management overlays, in coordination with Finance.

Monitor and report exposures to controllers and close links, ensuring compliance with limits and tracking related action plans.

Credit Decisioning, Models and Analytics

Keep the credit decision engine and its scorecards and rules up to date with current risk appetite and market conditions.

Coordinate periodic recalibration, back‑testing and validation of decisioning rules and credit scoring models.

Work with IT and vendors to implement decision engine changes, with version control and a full audit trail of every rule change.

Build, test and refine credit risk and scoring models for accuracy, stability and predictive power.

Stay hands‑on with database queries, data extraction and dataset preparation for analysis.

Run ongoing analytics to detect emerging risk trends, anomalies and early portfolio deterioration, and turn findings into actions for underwriting, collections and portfolio strategy.

Work with IT and Data teams to source additional data (credit bureau, alternative data, internal transactional data) to strengthen decisioning.

Segmentation and Portfolio Growth

Define customer segments by risk profile, behaviour and profitability to support targeted credit strategies.

Develop segment‑specific underwriting criteria and provide risk input into pricing and product design, to grow the portfolio responsibly.

Partner with Sales, Marketing and Product to identify growth opportunities within approved risk parameters, while keeping the independence of the risk function.

Capital, Liquidity and Operational Risk

Oversee the Internal Capital Adequacy Assessment Process (ICAAP) and monitor compliance with CBB capital adequacy requirements (Module CA), including the…