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.

• 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.
• Segmentation and Portfolio Growth
• Define customer segments by risk profile, behavior 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…