Risk Manager

About the Role

• We are seeking an experienced and highly analytical Risk Manager to lead the identification, assessment, monitoring, and mitigation of risks across our fintech operations. 
• The ideal candidate will play a critical role in safeguarding the company’s financial health, regulatory compliance, operational resilience, and reputation while supporting sustainable business growth.
• The Risk Manager will collaborate closely with Product, Credit, Compliance, Operations, Technology, Finance, and Executive Leadership teams to develop and implement a robust enterprise risk management framework aligned with industry best practices and regulatory requirements.

Key Responsibilities

Enterprise Risk Management:

• Develop, implement, and continuously improve the company’s risk management framework, policies, and procedures.
• Identify, assess, monitor, and mitigate key business risks across operational, financial, strategic, technological, cyber, compliance, and reputational areas.
• Maintain and update the enterprise risk register and risk appetite framework.
• Conduct periodic risk assessments and present findings to senior management.

Credit & Lending Risk:

• Evaluate and monitor credit risk exposures across lending and BNPL portfolios.
• Analyze portfolio performance, default trends, delinquency rates, and loss metrics.
• Recommend risk-based strategies to improve portfolio quality and reduce losses.
• Work with Credit, Collections, and Data teams to strengthen underwriting and risk scoring methodologies.

Operational Risk:

• Establish controls to minimize operational losses and process failures.
• Investigate operational incidents and recommend corrective actions.
• Monitor key risk indicators (KRIs) and ensure timely reporting.

Fraud Risk Management:

• Develop and implement fraud prevention and detection strategies.
• Monitor transaction patterns and emerging fraud trends.
• Collaborate with Technology and Security teams to strengthen fraud monitoring systems.
• Lead investigations into suspected fraud cases and coordinate resolution efforts.

Regulatory Compliance & Governance:

• Ensure adherence to applicable regulatory requirements and industry standards.
• Work closely with Compliance teams on regulatory audits and examinations.
• Monitor regulatory developments and assess potential impacts on business operations.
• Support policy reviews and governance initiatives.

Reporting & Stakeholder Management:

• Prepare risk reports, dashboards, and presentations for Executive Management and Board Committees.
• Provide insights and recommendations on risk exposure and mitigation strategies.
• Support strategic decision-making through risk analysis and scenario planning.

Business Continuity & Resilience:

• Support the development and testing of Business Continuity Plans (BCP) and Disaster Recovery Plans (DRP).
• Ensure operational resilience frameworks are maintained and regularly reviewed.

Key Performance Indicators (KPIs)

• Portfolio Loss Rate
• Fraud Loss Reduction
• Risk Incident Resolution Time
• Regulatory Compliance Score
• Operational Risk Event Frequency
• Audit Findings Closure Rate
• Risk Assessment Completion Rate
• Business Continuity Readiness Score.

Requirements|
Education:

• Bachelor’s Degree in Finance, Economics, Accounting, Business Administration, Risk Management, Mathematics, Statistics, or a related field.
• Master’s degree is an added advantage.

Experience:

• 5–8 years of progressive experience in Risk Management, Credit Risk, Enterprise Risk, Audit, or Compliance within a Fintech, Digital Lending, Banking, Financial Services, or Payment Services environment.
• Demonstrated experience managing lending, BNPL, payment, or digital financial products.
• Strong understanding of fintech regulatory requirements and risk governance practices.

Technical Skills:

• Strong knowledge of Enterprise Risk Management (ERM) frameworks.
• Experience with credit risk assessment and portfolio analytics.
• Understanding of fraud risk management and transaction monitoring.
• Strong analytical and data interpretation skills.
• Advanced proficiency in Microsoft Excel, Power BI, SQL, or similar analytical tools.
• Familiarity with regulatory standards, AML/CFT controls, and data protection requirements.

Professional Certifications (Preferred):

• Certified Risk Management Professional (CRMP)
• Financial Risk Manager (FRM)
• Professional Risk Manager (PRM)
• Certified Internal Auditor (CIA)
• Chartered Financial Analyst (CFA)
• Relevant compliance or governance certifications

Core Competencies:

• Strategic Thinking
• Risk Assessment & Mitigation
• Analytical Problem Solving
• Attention to Detail
• Stakeholder Management
• Leadership & Team Collaboration
• Decision Making
• Regulatory Awareness
• Communication & Presentation Skills
• Integrity & Professional Judgment.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should send a short note on why you are a good fit and your salary expectations to:  , using the job title as the subject of the email.

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