Deputy Chief Risk Officer

3 weeks ago

Islamabad, Islamabad, Pakistan Digital Finance International Full time

Location:Islamabad (with flexibility for digital/hybrid work)

Role Overview

The Deputy Chief Risk Officer (DCRO) is a senior leadership role supporting the Chief Risk Officer in designing, implementing, and overseeing the risk management framework for a digital NBFC. The DCRO will play a critical part in ensuring robust risk governance, regulatory compliance (including SECP and NBFC prudential regulations), and the safe scaling of digital lending and financial services.This role requires a strong understanding of credit risk, consumer finance, and the unique regulatory landscape for NBFCs in Pakistan.

Key Responsibilities:

  • Risk Framework & Strategy
  • Assist the CRO in developing and maintaining the credit risk management framework, policies, and procedures tailored to digital lending and NBFC operations.
  • Embed a strong risk culture across the organization, ensuring all staff understand and adhere to risk management practices.
  • Risk Identification, Assessment & Reporting
  • Oversee the identification, assessment, measurement, and monitoring of all material risks (credit, operational, cyber, compliance) relevant to a digital NBFC.
  • Lead the development and validation of risk models, scorecards, and key risk indicators.
  • Prepare and present regular risk reports and dashboards to senior management.
  • Regulatory Compliance & Governance
  • Ensure compliance with SECP and SBP regulations, including digital lending guidelines, consumer protection, AML/CFT, and data privacy requirements.
  • Maintain and update the risk register; oversee risk documentation and regulatory submissions.
  • Support the CRO in regulatory inspections, audits, and interactions with SECP and other authorities.
  • Digital Risk & Innovation
  • Oversee risk controls for digital channels, including cybersecurity, fraud prevention, and technology risk management.
  • Support the launch of new digital products and services by assessing risk implications and ensuring appropriate controls.
  • Team Leadership & Collaboration
  • Mentor and develop risk management staff, fostering a high-performing, collaborative team environment.
  • Work closely with business, technology, compliance, and audit teams to ensure integrated risk management.

Qualifications & Experience:

  • Master's degree (preferred) or Bachelor's in Economics, Maths, Computer science or Natural science.
  • Minimum 5 years of experience in risk management within financial services, ideally with at least 3 years in a senior risk role at a bank, NBFC, or fintech.
  • Strong knowledge of digital lending, consumer finance, and the regulatory environment for NBFCs in Pakistan.
  • Demonstrated experience in risk analytics, model validation, and regulatory compliance.
  • Familiarity with SECP regulations, Basel framework, and digital risk best practices.
  • Excellent analytical, leadership, and communication skills
  • Excellent written and verbal communication skills (English)

Key Competencies:

  • Strategic thinking and strong business acumen
  • Deep understanding of digital risk and technology-driven financial services
  • Ability to influence and collaborate across functions
  • High integrity and commitment to ethical standards
  • Proactive, innovative, and resilient mindset
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