enterprise risk manager

PayTech Group

<p><br></p>
<p> <strong>DIVISION:</strong> Consumer </p>
<p> <strong>REPORTS TO: </strong>Group CEO / Executive Committee</p>
<p> <strong>RELEVANT </strong> <strong>EXPERIENCE: </strong>15+ years in risk management, with a minimum of 5 years in a senior leadership role within lending or financial services. Demonstrated success in building and leading enterprise risk functions in regulated environments.</p>
<p> <strong>MANDATORY REQUIREMENTS**:</strong> </p>
<ol> <li>Proven expertise in credit, operational, market, compliance, and repetitional risk.</li> <li>Strong understanding of regulatory frameworks (e.g., Basel III, IFRS 9, local central bank regulations).</li> <li>Experience with digital lending platforms and fintech risk models.</li> <li>Board-level communication and stakeholder engagement.</li> <li>Professional certifications such as FRM, PRM, CFA, or equivalent.</li> <li>Fluent in English; Arabic is a plus</li> </ol>
<p> <strong> <br> </strong> </p>
<p> <strong>PURPOSE OF THE PROJECT</strong> </p>
<p>The Chief Risk Officer (CRO) will lead the development and execution of a comprehensive risk management framework tailored to the clients lending operations. To establish and lead a robust, enterprise-wide risk management framework that aligns with the clients strategic objectives in the lending domain. The CRO will ensure that all risk types are proactively identified, assessed, mitigated, and monitored, enabling sustainable growth and regulatory compliance.</p>
<p> <strong> <br> </strong> </p>
<p> <strong>Key Activities</strong> </p>
<p> <strong>Core Responsibilities and Accountabilities</strong> </p>
<ul> <li>Develop and execute the enterprise risk strategy, policies, and procedures.</li> <li>Conduct comprehensive risk assessments of the lending portfolio and operations.</li> <li>Design and implement a risk governance framework aligned with regulatory and internal standards.</li> <li>Oversee risk identification, measurement, and mitigation across all lending products.</li> <li>Lead the development of risk appetite statements and tolerance thresholds.</li> <li>Establish risk reporting mechanisms and dashboards for executive and board-level visibility.</li> <li>Ensure regulatory compliance and manage relationships with external regulators and auditors.</li> <li>Present risk insights and recommendations to the Board Risk Committee.</li> <li>Collaborate with business units to embed risk-aware decision-making.</li> <li>Drive the implementation of risk technology tools and analytics platforms.</li> <li>Build and mentor a high-performing risk team.</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>KPIs</strong> </p>
<ul> <li> Reduction in non-performing loan (NPL) ratio</li> <li>Risk-adjusted return on capital (RAROC)</li> <li>Regulatory compliance score (zero non-conformities)</li> <li>Time-to-resolution for risk incidents</li> <li>Risk model accuracy and predictive performance</li> <li>Employee risk awareness index (via internal surveys)</li> <li>Timely and accurate regulatory reporting.</li> <li>Frequency and severity of risk incidents.</li> <li>Board satisfaction with risk reporting and governance.</li> <li>Implementation rate of risk mitigation actions.</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>Knowledge and Experience</strong> </p>
<ul> <li> Experience: 15-20 years in financial services, with at least 5 years in a senior risk leadership role. Experience in digital lending, fintech, or embedded finance is a strong differentiator</li> <li>Education: Bachelors degree in Finance, Economics, Business, or related field. A Masters degree (e.g., MBA or MSc in Risk Management) is highly preferred</li> <li>Certifications: FRM (Financial Risk Manager), PRM (Professional Risk Manager), CFA, or equivalent regulatory licenses are increasingly expected</li> <li>Deep knowledge of credit risk modelling, stress testing, and capital adequacy.</li> <li>Familiarity with digital lending ecosystems and embedded finance.</li> <li>Experience with enterprise risk systems (e.g., SAS, Moodys RiskCalc, Oracle FCCM).</li> <li>Strong analytical, communication, and leadership skills.</li> </ul>
<p> <strong> <br> </strong> </p>
<p> <strong>Mandatory Skills**</strong> </p>
<ul> <li> Strategic planning and execution</li> <li>Product innovation and lifecycle management</li> <li>Credit risk and portfolio analytics</li> <li>Regulatory compliance and governance</li> <li>Cross-functional leadership and communication</li> <li>Agile project delivery and digital transformation</li> </ul>

Head of Risk

Computacenter

<div><div><b>Life on the team</b></div><br>
<div></div>
<p>
Computacenter seeking confident and experienced Enterprise Risk Lead who is accountable for leading the Enterprise Risk function managing and mitigating risks associated with the organization's IT operations and projects. This role involves developing and implementing risk management strategies to ensure the security, integrity, and resilience of IT systems and processes. The Enterprise Risk Manager will work closely with various stakeholders to align risk management practices with the organization's strategic objectives.</p><br>
<div></div>
<div><b>
What you'll do</b></div><br>
<div></div>
<ul>
<li>Enterprise Risk Management Expert - Proficiency in understanding of Risk Frameworks such as ISO 31000, NIST, and COBIT.</li>
<li>Risk Assessment: Ability to identify, assess, and prioritize risks using various methodologies and tools.</li>
<li>In-depth knowledge of IT systems, networks, and infrastructure.</li>
<li>Strong understanding of cybersecurity principles, threats, and mitigation strategies.</li>
<li>Ability to analyse complex data sets to identify trends, patterns, and potential risks.</li>
<li>Strong problem-solving skills to develop effective risk mitigation strategies.</li>
<li>Proficiency in preparing clear and concise risk reports for senior management and stakeholders.</li>
<li>Excellent interpersonal skills to collaborate with various departments and communicate risk-related information effectively.</li>
<li>Understanding of relevant regulatory requirements and industry standards (e.g., GDPR, HIPAA).</li>
<li>Ability to develop and implement risk management policies and procedures.</li>
<li>Ability to align risk management practices with the organization's strategic objectives.</li>
<li>Proactive in identifying potential risks and implementing preventive measures.</li>
<li>Ability to adapt to changing business environments and emerging risks.</li>
<li>Continuous Improvement: Commitment to continuous improvement and staying updated with the latest risk management trends and technologies</li>
<li>Keen attention to detail to ensure accurate risk assessments and reporting</li>
<li>Regulatory Knowledge: In-depth understanding of relevant regulations and compliance requirements</li>
<li>Be quality and process improvement driven - practices where appropriate
</li><li>Continuous Improvement: Monitor and review the effectiveness of risk management practices. Identify opportunities for improvement and implement changes to enhance the risk management framework</li>
</ul>
<div><b>What you'll need</b></div><br>
<div></div>
<ul>
<li>Establish, Maintain, Operate and Continually Improve the Enterprise Risk Management Framework (~ 70%)
</li><li>Define, own and maintain the enterprise risk management framework, process and policy to align with CC Group Risk framework &amp; cyber security risk.
</li><li>Policy Development: Create and maintain IT risk management policies, procedures, and guidelines. Ensure compliance with industry standards and regulatory requirements.</li>
<li>Develop capability strategies identifying and enhance processes where automation has the potential to improve efficiency
</li><li>Risk Identification and Assessment: Identify and assess risks related to IT operations, projects, and systems. Conduct regular risk assessments and develop risk profiles.</li>
<li>Risk Mitigation: Develop and implement risk mitigation strategies and controls to minimize the impact of identified risks. Ensure that risk mitigation plans are effectively executed.</li>
<li>Monitor and continuously enhance the Risk management process in line with the Target Operating Model (TOM) - define and educate key stakeholders and support them in identifying, detailing and managing risks across the department.</li>
<li>Creatively apply knowledge of risk management strategies, frameworks and processes to support internal operations and the wider impact / knock-on effects to our customers.
</li><li>Balance the risk narrative to highlight effective controls as well as control gaps</li>
<li>Build risk culture and sensitivity to opportunity risks as well as operational risks</li>
<li>Align work with internal associated risk management policies and processes, and with external regulatory requirements and market
</li><li>Support of the IT business continuity process and disaster recovery processes, and the associated risks
</li><li>Monthly reporting is delivered against KRIs for the Risk Management Group, aligned to the balanced scorecard.</li>
<li>Change approval governance processes are followed.</li>
</ul>
<p>Team Leadership (~ 10%)</p>
<ul>
<li>Provide direct support to the Head of Performance Management, and lead the Enterprise Risk team, offering guidance &amp; coaching.</li>
<li>Training and Awareness: Develop and deliver training programs to enhance risk awareness and promote a risk-aware culture within the organization.</li>
<li>Establish clear team goals that align with our mission, ensuring the team is well-equipped with the skills and resources to achieve our objectives.</li>
<li>Be an ambassador for the enterprise risk in the extended leadership team, encouraging teamwork, problem solving and sharing ideas.</li>
<li>Support team members in skills development, being a trusted advisor both internally within the GRC function and to other departments.</li>
<li>Maintain professional development activities to ensure skills and credibility remains current and up to date.</li></ul><br>
<div></div>
<div>
Desirable</div><br>
<div></div>
<ul>
<li>CRISC (Certified in Risk and Information Systems Control),
</li><li>CERA (Chartered Enterprise Risk Analyst)</li>
<li>CISM (Certified Information Security Manager),
</li><li>CISSP (Certified Information Systems Security Professional),
</li><li>PMP (Project Management Professional).</li></ul></div><div></div>

Senior Delivery Manager

VRG Pvt. Ltd.

<p>As a Manager - Risk Management, the candidate shall contribute to all initiatives and activities under the Enterprise Risk Management function such as risk identification, assessment, control &amp; monitoring, risk reporting and overall implementation of ERM framework including related policies and procedures.</p><p><b>KEY ACCOUNTABILITIES &amp; ACTIVITIES </b></p><p>&middot; Assist Head of Risk Management in overall implementation of Enterprise Risk Management framework</p><p>&middot; Identification of key risk areas, key risks involved therein, mapping of these with internal controls and identification of gaps.</p><p>&middot; Preparation &amp; maintenance of Risk Inventory Register in line with Risk Appetite</p><p>&middot; Ensure compliance with Risk Management Policies &amp; Procedures.</p><p>&middot; Assist Head of Risk Management in developing various risk assessment and risk monitoring tools</p><p>&middot; Liaison and conduct regular meetings with stakeholders including Compliance, IT, Business, Operations, etc. to monitor effective implementation of risk management framework and identify areas of improvement.</p><p>&middot; Conduct periodic risk reviews to assess compliance with risk management framework</p><p>&middot; Assist Head of Risk Management in developing Risk management dashboards and MIS for management review.</p><p>&middot; Keep abreast of latest developments in the field of risk management and suggest market best practices for management review and adoption in the risk management framework.</p><p><b>JOB SPECIFICATIONS </b></p><p>Knowledge / Skills</p><p>Candidate shall</p><ul><li>Have working experience of developing risk management policies and SOPs</li><li>Preferably be from a financial institution or Fintech company (Risk Management Department)</li><li>Experience of risk management tools / software will be preferred</li><li>Have good interpersonal and communication skills;</li><li>Be proficient in MS Office</li><li>Be able to multitask with the ability to set priorities as per the given situation; and</li><li>Be proactive and self-starter with ability and desire to improve effectiveness.</li></ul><p>Education / Certifications : MBA / CA Finalist [Risk Management Certification will be a plus]</p><p>Experience</p><p>Have specific working experience of at least 2 years in Risk Management function (preferably in a bank or Fintech company) and overall experience of at least 3-4 years.</p><p>Gender: Male or Female</p><p>This is full time job based in Karachi.</p><p>Job Type: Full-time</p><p>Ability to commute/relocate:</p><ul><li>Karachi: Reliably commute or planning to relocate before starting work (Required)</li></ul><p>Work Location: In person</p>

Manager - Risk Management (Banking or Fintech Experience Must) Immediate Hiring

Lucidya

<p></p><div><h3 class="jobSectionHeader"><b>The Enterprise GRC Manager leads the company&rsquo;s integrated governance, risk, and compliance framework, ensuring all business units, systems, and processes operate with transparency, accountability, and regulatory alignment. (Strategic &amp; Enterprise-wide &ndash; focused on GRC, legal coordination, and regulatory oversight)</b></h3><h3 class="jobSectionHeader"><b>
Key Responsibilities</b></h3><h3 class="jobSectionHeader"><b>
1. Enterprise Governance</b></h3><ul>
<li>Establish and maintain the Enterprise Governance Framework, aligning policies, processes, and decision-making with corporate objectives.</li>
<li>Lead policy governance across departments, ensuring version control, ownership, approval workflows, and policy lifecycle management.</li>
<li>Facilitate cross-functional governance committees (e.g., Risk Committee, Compliance Steering Group).</li>
<li>Define key governance indicators (KGIs) and performance metrics to track organizational maturity.</li>
</ul><p></p><h3 class="jobSectionHeader"><b>
2. Enterprise Risk Management</b></h3><ul>
<li>Develop and implement a comprehensive risk management framework integrating strategic, operational, financial, and compliance risks.</li>
<li>Maintain and update the Enterprise Risk Register, coordinating risk identification and mitigation across functions.</li>
<li>Conduct risk assessments and workshops with business units to promote ownership and accountability.</li>
<li>Lead Business Continuity Planning (BCP) and Crisis Management exercises, ensuring readiness across the organization.</li>
</ul><h3 class="jobSectionHeader"><b>3. Compliance &amp; Regulatory Oversight</b></h3><ul>
<li>Oversee company-wide compliance with national, regional, and international regulatory frameworks, including PDPL, NCA, ISO, labor regulations, financial reporting requirements, and corporate governance standards.</li>
<li>Integrate regulatory and contractual compliance obligations into operational workflows across all functions.</li>
<li>Supervise the Data Protection &amp; Privacy Officer (DPO) to ensure privacy governance is aligned with broader compliance strategy and regulatory posture.</li>
<li>Coordinate internal audits, certifications, and compliance monitoring across departments; track findings, remediation, and continuous improvement.</li>
<li>Maintain a comprehensive Regulatory Obligations Register, mapping applicable laws, standards, and contractual requirements to responsible owners and controls.</li>
<li>Act as a strategic compliance advisor to department heads to ensure functional policies (Finance, HR, Operations, Product) remain current and compliant with governing standards.</li>
</ul><h3 class="jobSectionHeader"><b>4. Legal &amp; Regulatory Coordination</b></h3><ul>
<li>Act as liaison between Compliance, Legal, and external counsel to ensure evolving regulatory requirements are properly interpreted and operationalized across the company.</li>
<li>Collaborate with Legal to review client contracts, MSAs, and DPAs for compliance implications, data protection clauses, and audit provisions.</li>
<li>Coordinate company-wide responses to client audits, regulatory inquiries, or due diligence requests, ensuring consistent, accurate, and timely delivery.</li>
<li>Monitor broader government and regulatory developments affecting SaaS operations, AI applications, data protection, and cross-border hosting; advise leadership on implications and recommended actions.</li>
</ul><h3 class="jobSectionHeader"><b>5. Ethics, Integrity &amp; Internal Controls</b></h3><ul>
<li>Develop and oversee the Code of Conduct, whistleblowing mechanisms, and ethics awareness initiatives.</li>
<li>Partner with Finance and HR to implement internal control frameworks covering fraud prevention, conflicts of interest, and procurement integrity.</li>
<li>Support due diligence for partnerships, vendors, and acquisitions from a governance and ethics standpoint.</li>
</ul><h3 class="jobSectionHeader"><b>6. Organizational Alignment &amp; Culture</b></h3><ul>
<li>Drive a risk-aware and compliance-first culture across all departments.</li>
<li>Partner with HR to roll out governance and compliance training organization-wide.</li>
<li>Ensure ownership of risk and compliance responsibilities within each department.</li>
<li>Act as a governance advisor to senior management, enabling transparent and informed decision-making.</li>
</ul><h3 class="jobSectionHeader"><b>7. Continuous Improvement &amp; Reporting</b></h3><ul>
<li>Monitor emerging regulations and enterprise risk trends relevant to SaaS, AI, and regional compliance.</li>
<li>Lead continuous improvement in governance, audit readiness, and control design.</li>
Provide periodic reports to executive management and the board on governance maturity, risk posture, and compliance performance.<br>
<li>
</li>
</ul><p></p><p><b>Requirements</b></p><p>
Qualifications &amp; Skills:</p><ul>
<li>
Required:</li>
<li><ul><li>Bachelor&rsquo;s degree in Business, Law or related field.</li>
<li>4-6 years of experience in Governance, Risk, and Compliance (GRC).</li>
</ul></li><li><ul><li>Experience in auditing and handling incidents within a corporate environment.</li>
<li>Experience building governance frameworks, policies, and risk management processes.</li>
<li>Strong knowledge of PDPL, ISO standards (27001/9001).</li>
<li>Strong stakeholder management and cross-functional leadership skills.</li>
<li>Experience in creating and delivering compliance training programs.</li>
<li>Familiarity with global regulatory frameworks and business continuity planning.</li>
<li>Curiosity, investigative mindset, and strong communication skills.</li>
</ul></li><li>Preferred:</li>
<li><ul><li>Experience in IPOs or public companies.</li>
<li>Familiarity with Environmental, Social, and Governance (ESG) principles.</li>
<li>Arabic language proficiency.</li>
<li>Experience in the technology sector, particularly SaaS or B2B environments.</li></ul></li></ul></div><p></p>

Enterprise Governance, Risk & Compliance (GRC) Manager

Manager- Enterprise Risk - Risk Consulting <p>We enhance performance through creating risk-enabled organizations and help clients identify important risks, design frameworks to manage them and improve the effectiveness and efficiency of risk management. As a risk professional, you will be addressing client issues and transformations relating to Enterprise Risk Management (covering both business and IT risk), Internal Audit, Program Risk Management, process and controls design and effectiveness, and Governance, Risk and Compliance (GRC) implementations. Our solutions can be used by our clients to build confidence and trust with their customers, the overall market and when required by regulation or contract.</p> <p>We will support you with career-long training and coaching to develop your skills to enable you to lead our clients' transformations. As EY is a global leading service provider in this space, you will be working with the best of the best in a collaborative environment.</p> Your key responsibilities <p>This is a role where no two days are the same - so you'll find yourself taking on plenty of new responsibilities as you go. You will be responsible for managing multiple client engagement teams at an executive level within the practice and the firm. You'll work alongside clients and colleagues, delivering our solutions and contributing to growing our business and developing our people. If you're flexible and ready to adapt to a constantly changing environment, there's no better place to develop your skills. Since you'll be working directly with clients, some travel will be required. Below are examples of expectations from your grade:</p> <ul> <li>Effectively manage and motivate client engagement teams with diverse skills and backgrounds.</li> <li>Consistently deliver quality client services and manage expectations of client service delivery</li> <li>Monitor progress, manage risk and ensure key stakeholders are kept informed about progress and expected outcomes</li> <li>Stay abreast of current business and industry trends relevant to the client's business</li> <li>Develop and maintain long term relationships and networks with clients and internal EY stakeholders</li> <li>Demonstrate deep technical capabilities and professional knowledge</li> <li>Possess in depth business acumen and demonstrate ability to quickly assimilate to new knowledge</li> <li>Remain current on new developments in consulting services capabilities and industry knowledge</li> </ul> Skills and attributes for success <ul> <li>Strong analytical, interpersonal, communication, writing and presentation skills</li> <li>Leadership, teamwork and client service skills</li> <li>Demonstrates integrity, values, principles, and work ethic</li> </ul> To qualify for the role, you must have <ul> <li>A bachelor's or master's degree in Accountancy, Business, Risk Management, Information Management Systems, Industrial engineering, or other related discipline</li> <li>Manager: A minimum of 6 years of experience working as an IA auditor or Risk/Compliance adviser for a public accounting firm, a professional services firm, or within industry</li> <li>Proficiency with Microsoft Excel, Access, Word, and PowerPoint</li> <li>Enterprise Risk management, Governance Risk and Compliance (GRC)</li> <li>Willingness to travel outside of their assigned office location as the need arises</li> <li>Strong data analytical skills are required</li> <li>Professional certifications such as: Certified Public Accountant (CPA), Certified Internal Auditor (CIA), Certified Fraud Examiner (CFE), Governance, Risk, Compliance professional (GRCP), Professional Risk Manager (PRMIA), Certification in Risk Management Assurance (CRMA), PMP</li> <li>To comply with Saudi Arabia's Nationalization law, EY must hire nationals from Saudi Arabia for this role.</li> </ul> What we look for <p>Highly motivated individuals with excellent problem-solving skills and the ability to prioritize shifting workloads in a rapidly changing industry. An effective communicator, you'll be a confident team player that collaborates with people from various teams while looking to develop your career in a dynamic organization.</p> What we offer <p>We offer a competitive compensation package where you'll be rewarded based on performance and recognized for the value you bring to our business. Plus, we offer:</p> <ul> <li>Continuous learning: You'll develop the mindset and skills to navigate whatever comes next.</li> <li>Success as defined by you: We'll provide the tools and flexibility, so you can make a meaningful impact, your way.</li> <li>Transformative leadership: We'll give you the insights, coaching and confidence to be the leader the world needs.</li> <li>Diverse and inclusive culture: You'll be embraced for who you are and empowered to use your voice to help others find theirs.</li> </ul> <p>If you can demonstrate that you meet the criteria above, please contact us as soon as possible.</p><img src="https://www.jobg8.com/Tracking.aspx?i4GQ2UhpbQMil9UDsEUSQmAebaAwlSjaw" width="0" height="0" />

Manager - Enterprise Risk - Risk Consulting - Riyadh, Saudi Arabia

Qatar Airways

<div><div><div><div><div><div><div><div>Job title
</div><div>Senior Manager Enterprise Risk Management
</div></div><div><div>Ref #
</div><div>216067
</div></div><div><div>Location
</div><div>Qatar - Doha
</div></div><div><div>Job family
</div><div>Corporate &amp; Commercial
</div></div><div><div><ul><li>Closing date: 06-Nov-2025</li></ul><br>
</div></div></div></div></div><div><div><div><div><div><p>Qatar Airways (QR) has embarked on an exciting transformation journey to change how we manage the risks facing the Business. As part of this journey, we are now recruiting for the role of Senior Manager Enterprise Risk Management.</p><p><b>
Job Purpose</b><br>
Assist the Head of Department in developing, improving and managing the implementation of QR&rsquo;s ERM strategy and framework across the organization by facilitating the identification, assessment and prioritization of all types of key risks through the development of standards and methods for managing, treating, monitoring and reporting risks.<br>
Work with Senior Management to ensure that risk management is an integral part of the strategic planning and decision-making processes and is closely linked to the organisation&rsquo;s business objectives and performance metrics.</p><p><b>
Job Accountabilities</b></p><ul><li>
Support the Head Of Department in the preparation and execution of the Executive Risk Committee.</li><li>
Assist the HOD in the development of the risk management function to serve as a key stepping stone towards the company&rsquo;s adoption of Corporate Governance. Responsible for strengthening the risk governance structure to ensure sound risk management throughout the Divisions that they are responsible for.</li><li>
Drive the implementation of local and global regulatory Enterprise Risk Management requirements within the respective parts of the Business.</li><li>
Identify and analyse sector trends to continuously improve the ERM approach, including the identification of gaps in processes and capabilities.</li><li>
Develop and maintain the ERM policies, processes, procedures and systems.</li><li>
Ensure that QR Divisional business plans takes into account inputs from Divisional risk assessment outputs.</li><li>
Responsible for aligning risk reporting with organizational performance and strategy reporting, to support decision making and management oversight at the senior levels of the organization.</li><li>
Oversee communication and education initiatives to foster a risk aware culture throughout the Group.</li><li>
Collaborate with business units to identify, measure and report on their risk exposures and to ensure risks are managed within risk tolerances.</li><li>
Provide subject matter expertise and support to senior leaders and managers to execute their risk management responsibilities.</li><li>
Produce risk reports working with key contributors and support the analysis of significant risks and the appropriate mitigation measures.</li><li>
Oversee ERM metrics and report performance - quantify, aggregate and prioritize risks for escalation to HOD.</li><li>
Embed the complete and consistent application of the ERM framework across the Group.</li><li>
Manage the implementation of the Enterprise Risk Management framework and ensure that QR risk data and the ERM framework comply with all legal, regulatory and corporate requirements.</li><li>
Chair the quarterly Divisional Risk Committee meetings.</li><li>
Perform other department duties related to his / her position as directed by the Head of the Department.</li></ul>
</div></div></div></div></div><div><div><div><h3 class="jobSectionHeader"><b>Qualifications
</b></h3></div></div><div><div><div><div><ul><li>Bachelor&rsquo;s Degree or Equivalent</li><li>
Minimum 10 years of job related experience within a multi-disciplinary company.</li><li>
Experience of managing a risk management framework across a reputable organisation.</li><li>
Previous management responsibility for financial, strategic, operational and regulatory risks</li><li>
Professional Risk Management Certification.</li><li>
Data Protection and Privacy experience.</li><li>
Strong understanding of ERM principles and applications; extensive ERM and business experience.</li><li>
Strong analytical, interpersonal and communication skills.</li><li>
Strong skills in project management and engagement closure.</li><li>
Knowledge of Risk Management frameworks.</li><li>
Good Communication skills</li><li>
Negotiating skills for implementing the ERM framework at all levels.</li><li>
Ability to assimilate, analyse and communicate complex concepts in a simple, &lsquo;user-friendly&rsquo; manner.</li><li>
Networking and relationship management skills to develop key relationships at all levels of the organization.</li><li>
Ability to build trust, confidence and consensus at all levels of the organization, especially the C suite.</li><li>
Knows how to balance patience with momentum &ndash; works with a sense of urgency</li></ul><br>
</div></div><div></div><div><div><br>
<div><b>About Qatar Airways Group
</b></div><br>
Our story started with four aircraft. Today, we deliver excellence across 12 different businesses coming together as one. We&rsquo;ve grown fast, broken records and set trends that others follow. We don&rsquo;t slow down by the fear of failure. Instead, we dare to achieve what&rsquo;s never been done before.<br>
<br>
So whether you&rsquo;re creating a unique experience for our customers or innovating behind the scenes, every person contributes to our proud story. A story of spectacular growth and determination. Now is the time to bring your best ideas and passion to a place where your ambition will know no boundaries, and be part of a truly global community.<br>
</div></div><div><div>https://aa115.taleo.net/careersection/QA_External_CS/jobapply.ftl?lang=en&amp;job=216067</div></div></div></div></div></div></div></div>

Senior Manager Enterprise Risk Management

HH Salon

<p><b>Role Overview:</b></p><p>The Chief Risk Officer (CRO) is responsible for leading Joud&rsquo;s enterprise risk management function, ensuring that all operational, credit, regulatory, and strategic risks are proactively identified, assessed, and mitigated. As a BNPL (Buy Now, Pay Later) fintech operating under QCB&rsquo;s regulatory framework, Joud requires a CRO who can implement rigorous controls, particularly around consumer credit risk, fraud detection, regulatory risk, and data protection. This role is critical to building a trustworthy, secure, and scalable platform as Joud expands across Qatar and the wider MENA region.</p><p><b>Key Responsibilities:</b></p><ul><li>Design and implement an enterprise-wide risk management framework that aligns with QCB guidelines, fintech standards, and Joud&rsquo;s business strategy.</li><li>Develop credit risk policies, including automated credit scoring models, customer segmentation, payment behavior analysis, and merchant risk onboarding frameworks.</li><li>Oversee the creation of internal risk controls for operational, IT, and cyber risk, ensuring protection against system failures, data breaches, and downtime.</li><li>Lead the company's fraud prevention and detection efforts, collaborating with data and compliance teams to monitor and investigate suspicious behavior.</li><li>Monitor macroeconomic, regulatory, and industry risks that could impact Joud&rsquo;s BNPL product offerings and market stability.</li><li>Conduct periodic risk assessments across all departments and functions and lead company-wide risk workshops or simulations.</li><li>Ensure compliance with QCB&rsquo;s overall regulations, reporting obligations, and ongoing regulatory assessments.</li><li>Establish key risk indicators (KRIs) and risk tolerance thresholds; report on them regularly to the CEO and Board.</li><li>Collaborate with legal and compliance teams to assess third-party risks from vendors, payment processors, and data handlers.</li><li>Guide the implementation of a business continuity and disaster recovery plan, ensuring readiness and resilience.</li><li>Represent the risk function in meetings with auditors, regulators, and investors, providing transparency into Joud&rsquo;s risk posture.</li><li>Lead and mentor the risk team, fostering a culture of accountability, integrity, and proactive risk ownership across the company</li></ul><p><b>Required Qualifications:</b></p><ul><li>Bachelor&rsquo;s degree in Risk Management, Finance, Business Administration, or related field.</li><li>Advanced degree ( MBA, MSc Risk, or FRM/CISA/CIRM certifications) strongly preferred.</li><li>Minimum 8+ years of experience in enterprise risk management, preferably in fintech, banking, payments, or consumer credit.</li><li>Solid understanding of Qatar Central Bank regulations, including risk reporting formats.</li><li>Demonstrated experience in credit risk modeling, fraud analytics, and data-driven risk scoring methodologies.</li><li>Familiarity with ISO 31000, COSO framework, and other risk management standards.</li></ul><p><b>Key Competencies &amp; Skills:</b></p><ul><li>Strategic and analytical thinking with a risk-aware mindset</li><li>Deep knowledge of digital finance and BNPL risk dynamics</li><li>Proficiency in risk modeling tools and platforms</li><li>Excellent communication and stakeholder engagement skills</li><li>Cross-functional leadership and mentoring ability</li><li>Strong grasp of cybersecurity and data protection risks</li><li>High integrity and attention to detail in high-pressure environments</li></ul><p>Job Type: Full-time</p>

Chief Risk Officer (CRO)

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