Head of Risk Management

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

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 elevate 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

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

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

Oversee the Internal Capital Adequacy Assessment Process ICAAP and monitor compliance with CBB capital adequacy requirements Module CA including the gearing ratio Monitor compliance with minimum liquidity requirements and maintain the approved liquidity management and contingency funding policy Run periodic stress testing and scenario analysis covering credit losses funding and liquidity stress and macroeconomic shocks report results and recommended actions Own operational risk management including risk and control self-assessments RCSAs incident and loss-event reporting and root-cause follow-up Identify and mitigate operational risks across the credit lifecycle origination disbursement monitoring and collections Ensure credit operations comply with internal policies CBB regulations and AML CFT and consumer protection requirements Oversee business continuity management and monitor fraud outsourcing third-party and technology risk in coordination with the relevant functions

Present regular risk reports to the CEO the ACGC the Board Risk Committee where constituted and the Board covering risk appetite adherence KRIs portfolio performance capital liquidity emerging risks and key decisions Act as the key point of contact with the CBB on risk matters attend CBB meetings…