Risk Management Expert

10 hours ago

Islamabad, Islamabad, Pakistan beBeeRiskManagement Full time

Job Title: Risk Management Expert

Role Overview

We are seeking a highly experienced and skilled Risk Management Expert to support the Chief Risk Officer in designing, implementing, and overseeing the risk management framework for our digital financial services. The successful candidate will play a critical role in ensuring robust risk governance, regulatory compliance, and the safe scaling of our digital lending and financial services.

The ideal candidate will have a strong understanding of credit risk, consumer finance, and the unique regulatory landscape for NBFCs in Pakistan. They will be responsible for developing and maintaining the credit risk management framework, policies, and procedures tailored to our digital lending and operations.

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 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 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)
Benefits

This is a great opportunity to work with a leading digital financial services company in Pakistan. The successful candidate will have access to a range of benefits, including professional development opportunities, flexible working arrangements, and a competitive salary package.

The successful candidate will also have the opportunity to work with a talented and experienced team of professionals who are passionate about delivering exceptional results in a fast-paced and dynamic environment.

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