Chief Risk Officer (CRO)

Key Responsibilities:

• Design and implement an enterprise-wide risk management framework that aligns with QCB guidelines, fintech standards, and our business strategy.
• Develop credit risk policies, including automated credit scoring models, customer segmentation, payment behavior analysis, and merchant risk onboarding frameworks.
• Oversee the creation of internal risk controls for operational, IT, and cyber risk, ensuring protection against system failures, data breaches, and downtime.
• Lead the company's fraud prevention and detection efforts, collaborating with data and compliance teams to monitor and investigate suspicious behavior.
• Monitor macroeconomic, regulatory, and industry risks that could impact BNPL product offerings and market stability.
• Conduct periodic risk assessments across all departments and functions and lead company-wide risk workshops or simulations.
• Ensure compliance with QCB’s overall regulations, reporting obligations, and ongoing regulatory assessments.
• Establish key risk indicators (KRIs) and risk tolerance thresholds; report on them regularly to the CEO and Board.
• Collaborate with legal and compliance teams to assess third-party risks from vendors, payment processors, and data handlers.
• Guide the implementation of a business continuity and disaster recovery plan, ensuring readiness and resilience.
• Represent the risk function in meetings with auditors, regulators, and investors, providing transparency into company risk posture.
• Lead and mentor the risk team, fostering a culture of accountability, integrity, and proactive risk ownership across the company.

Required Qualifications:

• Bachelor’s degree in Risk Management, Finance, Business Administration, or related field.
• Advanced degree ( MBA, MSc Risk, or FRM/CISA/CIRM certifications) strongly preferred.
• Minimum 8+ years of experience in enterprise risk management, preferably in fintech, banking, payments, or consumer credit.
• Solid understanding of Qatar Central Bank regulations, including risk reporting formats.
• Demonstrated experience in credit risk modeling, fraud analytics, and data-driven risk scoring methodologies.
• Familiarity with ISO 31000, COSO framework, and other risk management standards

Job Types: Full-time, Permanent

Application Question(s):

• Do you hold an advanced degree (MBA, MSc Risk) or professional certification (FRM, CISA, CIRM)?
• Do you hold a Bachelor’s degree in Risk Management, Finance, Business Administration, or a related field?

Experience:

• enterprise risk management: 8 years (Preferred)

Language:

• English (Preferred)

License/Certification:

• QID (Preferred)