
Deputy Chief Risk Officer
8 hours ago
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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