risk control manager

Klickl Limited

<div><span style="font-size: 11px;"><b>Key Responsibilities&nbsp;&nbsp;</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">1. Market Risk Monitoring &amp; Management:&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Monitor real-time market data (e.g., prices, trading volume, open interest, volatility) to detect abnormal trading behaviors (e.g., market manipulation, insider trading, algorithmic trading failures) and systemic risks.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Design, implement, and optimize market risk surveillance models and alert thresholds (e.g., price deviation, liquidity metrics, volatility cones, stress test scenarios).&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Administer market stability mechanisms, including circuit breakers, price limits, position limits, and large position reporting.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Analyze extreme market events (e.g., flash crashes, liquidity droughts) and develop contingency plans.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;">2. Clearing &amp; Counterparty Risk Management:&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Monitor clearing members' and clients' margin levels, position risks, and funding conditions to ensure compliance with exchange requirements.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Assess and manage counterparty credit risks (default risks) under the central counterparty (CCP) clearing framework.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Participate in or lead the evaluation, optimization, and stress testing of clearing margin models (e.g., SPAN/TIMS).&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Oversee daily margin calls and the execution of default management procedures.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">3. Operational &amp; Technology Risk Mitigation:&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Identify and evaluate operational risks related to trading, clearing, and data systems (e.g., system failures, cyberattacks, data inaccuracies).&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Participate in risk assessments for core system upgrades (e.g., trading/clearing engines, market data feeds) and post-deployment monitoring.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Develop and test business continuity plans (BCP) and disaster recovery plans (DRP).&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Monitor the stability and compliance of member connectivity systems.&nbsp;&nbsp;</span></div><div><br></div><div><span style="font-size: 11px;"><b>Job Requirements&nbsp;&nbsp;</b></span></div><div><br></div><div><span style="font-size: 11px;">1. Educational Background:&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Bachelor's degree or higher in Financial Engineering, Finance, Economics, Mathematics, Statistics, Computer Science, Risk Management, or a related field. A master's degree is preferred.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">2. Work Experience:&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- 5+ years of experience in financial market risk management, including at least 2-3 years in market risk, clearing risk, or trading system monitoring at exchanges, clearinghouses, risk control departments of top-tier brokerages/futures firms, large quantitative funds, or financial regulatory agencies.&nbsp; Must be familiar with exchange operations, trading rules, clearing processes, and core system architecture.&nbsp; Experience in central counterparty (CCP) risk management, algorithmic trading surveillance, or stress testing modeling is a plus.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">3. Professional Knowledge &amp; Skills:&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Financial Market Expertise:</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Deep understanding of financial instruments (e.g., equities, futures, options, derivatives) and their pricing/risk characteristics. Risk Management Techniques: Proficient in market risk measurement (VaR, ES), margin calculation principles (SPAN/TIMS), stress testing, scenario analysis, and counterparty credit risk assessment (EAD, PFE, CVA).&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Strong Data Analysis &amp; Quantitative Skills:&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Advanced Excel skills; proficiency in at least one programming language for data analysis (Python or R strongly preferred). Proficient in SQL for data querying and processing. Data visualization skills (Tableau, Power BI, etc. are a plus).&nbsp; Experience in risk model development or validation is preferred.&nbsp;&nbsp;</span></div><div><br></div><div><span style="font-size: 11px;"><b>5. Preferred Qualifications:&nbsp;</b>&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- FRM, CFA, PRM, or similar certifications are highly desirable.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Team management experience.&nbsp;&nbsp;</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">&nbsp; &nbsp;- Strong English reading and writing skills.</span></div>

Exchange Risk Control Manager

Emirates Islamic

<div><p><b>Grade - 6
</b></p><p><b>Grade Name - Senior Officer
</b></p><p><b>Mandate Skills
</b></p><ul><li>Strong knowledge of risk frameworks (Operational Risk).
</li><li>Analytical and problem-solving skills with ability to identify gaps and propose solutions.
</li><li>Strong communication and stakeholder management skills.
</li><li>Attention to detail and ability to work under pressure with tight timelines
</li><li>Overall 5+ years of work experience across Operations and BFSI space with experience in Risk Management, or related field.
</li></ul><p><b>Organization Unit Purpose
</b></p><p>Account Services is responsible for supporting Operational activities including Account Opening, Account Maintenance &ndash; Financial &amp; Non-Financial and Periodic Review related to Retail Banking, Business Banking, Wholesale Banking, Priority &amp; Private Banking Segments catering to ENBD &amp; EI Customers.
</p><p>In addition, the unit also support in Court Case Management of EI customers for Courts in UAE
</p><p><b>Job Purpose
</b></p><p>The Assistant Manager, Risk &amp; Control, plays a key role in protecting the organization by ensuring risks are identified, assessed, and effectively managed across Account Services supported Segments. The role is responsible for driving the RCSA (Risk &amp; Control Self-Assessment), KCAA (Key Control Assessment &amp; Assurance), and KRI (Key Risk Indicators) frameworks, ensuring that controls are tested, gaps are addressed, and risks are reported in a timely manner. This position also oversees the closure of audit findings and operational risk issues, conducts control reviews, and supports new product and process assessments to prevent emerging risks.
</p><p>Beyond monitoring, the role focuses on building a strong culture of risk awareness, guiding teams through training, workshops, and active engagement. By combining analysis, control testing, and stakeholder collaboration, the Assistant Manager ensures that the organization remains audit-ready, compliant with regulatory standards, and resilient against operational disruptions. Supporting in consolidation, preparation of Operational Risk Committee (ORC) packs, follow up and closure of post identified actions.
</p><p><b>Job Content
</b></p><div><ul><li><b>Internal Audit &amp; Assurance
</b></li></ul></div><ul><li>Oversee open audit findings, compliance actions, and operational risk issues; ensure timely closure of open actions within agreed timelines.
</li><li>Track, monitor, and escalate overdue items to management, ensuring accurate updates are provided to senior stakeholders.
</li><li>Support units to self-report issues and be audit-ready before internal or external reviews.
</li><li>Recommend best practices and ensure control standards are implemented consistently across units.
</li><li>Ensure no audit findings or prevent reopened findings (And add OpRisk actions too)
</li><li>QA on QA
</li><li>Oversight on adherence to sampling guidelines
</li><li>Enhance and maintain oversight on quality and ensure error rates are kept minimal, recommend mitigating actions
</li></ul><div><ul><li><b>Risk Assessment, Initiatives &amp; Awareness
</b></li></ul></div><ul><li>Manage the RCSA (Risk &amp; Control Self-Assessment) process across units, ensuring comprehensive identification and evaluation of risks and controls.
</li><li>Conduct KCAA (Key Control Assessment &amp; Assurance) reviews, validating control effectiveness and identifying gaps.
</li><li>Define, monitor, and enhance KRIs (Key Risk Indicators ensuring timely and accurate reporting results monthly and escalating critical issues.
</li><li>Conduct NPPA (New Product &amp; Process Assessments) with impacted teams to identify potential risks and propose controls.
</li><li>Carryout thematic review to ensure to ensure comprehensive coverage of
</li><li>Drive &amp; create initiatives &amp; projects for driving control initiatives &amp; projects
</li></ul><div><ul><li><b>Control &amp; Process Review
</b></li></ul></div><ul><li>Carry out periodic reviews of control checks, RCAs on real-time alerts, and policy/process changes (internal &amp; external).
</li><li>Perform control testing and quality assurance checks to ensure adherence to intra-day and end-of-day standards.
</li><li>Support units in documenting and updating SOPs/PFDs with adequate risk controls.
</li><li>Review and challenge process risk gaps in collaboration with unit heads and recommend process enhancements
</li><li>Operational Risk Monitoring &amp; Reporting
</li><li>Track, analyze, and report operational risk events, ensuring timely resolution and closure.
</li><li>Loss events: Conducting RCA and recommending controls to avoid recurrence
</li><li>Drive monthly risk review sessions with functional risk champions and senior management.
</li><li>Maintain a risk register with adequate controls and mitigation actions.
</li><li>Support fraud risk management by tracking investigations, implementing corrective actions, and raising awareness.
</li></ul><div><ul><li><b>Risk Culture
</b></li></ul></div><ul><li>Promote risk awareness across the organization through training, formal communications, and ongoing engagement.
</li><li>Conduct workshops and awareness sessions on risk and control practices.
</li><li>Encourage ownership of risk controls within business units
</li></ul><p><b>Job /Person Specifications
</b></p><div><ul><li><b>Education and/or professional qualification
</b></li></ul></div><ul><li>Bachelor&rsquo;s degree in finance
</li><li>MBA
</li><li>ACAMS / ORM / ICA Compliance Certification
</li></ul><div><ul><li><b>Experience
</b></li></ul></div><ul><li>Overall 5+ years of work experience across Operations and BFSI space with experience in Risk Management, or related field.
</li></ul><div><ul><li><b>Job Knowledge
</b></li></ul></div><ul><li>Strong knowledge of risk frameworks (Operational Risk).
</li><li>Analytical and problem-solving skills with ability to identify gaps and propose solutions.
</li><li>Strong communication and stakeholder management skills.
</li><li>Attention to detail and ability to work under pressure with tight timelines
</li></ul><div><ul><li><b>Knowledge &amp; Skills
</b></li></ul></div><ul><li>Ability to design, develop and execute new process frameworks
</li><li>Ability to coordinate and present
</li><li>Ability to plan and manage change
</li><li>Relationship and conflict management
</li><li>Exceptional Communication Skills
</li><li>Negotiation and Influencing Skills
</li><li>Advanced Business Presentation Skills
</li></ul><div><ul><li><b>Behavioral Competencies
</b></li></ul></div><ul><li>Proactive/Self starter
</li><li>Deadlines driven / achievements focused
</li><li>Problem Solving
</li><li>Analytical and ability to interpret complex MI
</li><li>High integrity</li></ul></div>

Risk & Control Assistant Manager

Emirates NBD

<p><b>Job Title:</b> Risk Manager</p><p><b>Department:</b> Finance / Compliance / Project Management<br/><b>Reporting To:</b> General Manager / Chief Financial Officer</p><p><b>Job Purpose:</b><br/>The Risk Manager is responsible for identifying, analyzing, and mitigating potential risks that could affect the company&rsquo;s operations, projects, or reputation. The role ensures that all business activities comply with internal policies, industry standards, and regulatory requirements, while supporting strategic decision-making to minimize financial and operational losses.</p><p><b>Key Responsibilities:</b></p><ul><li>Develop and implement a comprehensive risk management framework across the organization.</li><li>Identify potential financial, operational, legal, and safety risks affecting company assets and projects.</li><li>Conduct regular risk assessments and prepare detailed risk analysis reports.</li><li>Recommend and implement control measures to minimize identified risks.</li><li>Collaborate with project teams and department heads to ensure risk mitigation strategies are integrated into daily operations.</li><li>Monitor external factors such as market conditions, legal changes, and geopolitical developments that may impact company activities.</li><li>Manage the company&rsquo;s insurance portfolio and ensure adequate coverage for assets, personnel, and liabilities.</li><li>Lead incident investigations and coordinate root cause analysis for risk-related events.</li><li>Provide training and awareness programs on risk management policies and best practices.</li><li>Prepare periodic reports for senior management highlighting key risks and mitigation progress.</li><li>Support business continuity planning and crisis management initiatives.</li></ul><p><b>Qualifications &amp; Skills:</b></p><ul><li>Bachelor&rsquo;s degree in Risk Management, Finance, Business Administration, or Engineering.</li><li>Professional certification such as CRM, ISO 31000, or similar is preferred.</li><li>Minimum 8&ndash;10 years of experience in risk management, preferably in construction, oil &amp; gas, or large-scale project environments.</li><li>Strong analytical and problem-solving abilities.</li><li>Excellent communication, leadership, and reporting skills.</li><li>Proficiency in MS Office and risk assessment tools.</li><li>High attention to detail and ability to work under pressure.</li></ul><p>Job Types: Full-time, Permanent</p>

Risk Manager

NymCard

<div><p><b>Our Company</b></p><p></p><p><br>
NymCard&rsquo;s mission is to enable fintech and financial innovators to launch frictionless payment programmes with our modern infrastructure, at record speed. Our open API modern card issuing platform provides flexibility and control to issue cards, authorise transactions, and manage payment operations with just one integration and one partner.</p>
<p>
We are a team of industry experts and technology innovators who take a dynamic approach to solving complex industry challenges. NymCard has an open and collaborative work environment and together we make up the NymCardian Nation. We power possibilities for our customers and each other by bringing the best talent together to do the best quality work we can.</p><p></p><p><b><br>
The Role</b></p><p></p><p><br>
We are hiring an <b>Operational Risk Manager</b> to build and run a <b>practical, data led</b> operational risk programme that protects day to day issuing operations and enables safe growth. You will turn policy into clear controls, keep <b>RCSAs, KRIs, incidents, and loss events</b> accurate and current, and provide concise risk insight to senior leaders and committees.</p>
<p>
You will partner with <b>Product, Engineering, Operations, Fraud, Finance, Customer Experience, Compliance, and Legal</b> to assess risks in <b>new products and changes</b>, validate control design and effectiveness, and ensure NymCard stays <b>inspection ready</b> for <b>CBUAE</b> and partner expectations. Success looks like a living risk profile, fast and factual incident reviews, measurable reduction in repeat issues, and evidence that stands up to audit.</p><p></p><p><b><br>
What You&rsquo;ll Be Doing</b></p><br>
<p></p><ul>
<li><b>
Framework and policy:</b> maintain NymCard&rsquo;s Operational Risk Management Framework aligned to <b>CBUAE</b> and international standards. Keep ownership, frequency, and evidence requirements explicit.</li>
<li><b>RCSAs and process reviews:</b> run risk and control self assessments across payments operations, issuing, settlements, fraud, reconciliation, vendor risk, and support operations. Record design and effectiveness with clear actions and due dates.</li>
<li><b>KRIs and reporting:</b> define and monitor KRIs, incidents, near misses, and control failures. Publish short MI with trends, thresholds, and owners.</li>
<li><b>Incidents and root cause:</b> lead investigations, document root cause and contributing factors, agree corrective and preventive actions, and verify closure with evidence.</li>
<li><b>Change and new product risk:</b> work with Tech and Product so risks are assessed during design, build, and rollout. Embed control checkpoints and sign offs into release plans.</li>
<li><b>Regulatory liaison:</b> prepare operational risk returns, respond to RFIs, and keep working papers indexed for inspections in the UAE.</li>
<li><b>Training and awareness:</b> deliver targeted training for high risk teams and new joiners. Track attendance and keep materials current.</li>
<li><b>Assurance coordination:</b> partner with Compliance, Internal Audit, and first line QA to align coverage and reduce duplication.</li>
<li><b>Third party and outsourcing:</b> contribute to vendor risk reviews and ongoing monitoring with clear SLAs, performance, and remediation tracking.</li>
<li><b>BCP and resilience inputs:</b> support scenario reviews, failover drills, and readiness checks. Ensure lessons feed back into RCSAs and KRIs.</li></ul><br>
<p></p>
<p><b>
What You Bring</b></p><br>
<p></p><ul>
<li><b>
5 to 7 years</b> in <b>operational risk</b> within fintech, banking, or payments, with UAE exposure preferred.</li>
<li>Working knowledge of <b>CBUAE</b> guidelines and comfort interacting with UAE regulators.</li>
<li>Familiarity with core payments processes: <b>authorisations, settlements, chargebacks, fraud operations, and reconciliation</b>.</li>
<li>Hands on with <b>risk frameworks</b>, <b>incident logs</b>, RCSAs, and practical control testing.</li>
<li>Strong analysis and documentation. You write clearly, keep tidy evidence, and focus on material risk.</li>
<li>Ability to collaborate with business and technical teams and explain risks in simple terms.</li>
<li>Awareness of <b>Basel</b> and <b>ISO 31000</b> concepts.</li></ul><br>
<p></p>
<p><b>
Bonus Points</b></p><br>
<p></p><ul>
<li><b>
Hybrid working model:</b> In-office collaboration for design reviews, workshops, and team days, with flexible remote time for deep work. Clear expectations on core hours and availability.</li>
<li><b>Ownership and growth:</b> Small teams and direct access to decision makers. End-to-end responsibility for your area, support for certifications and learning, and progression based on outcomes.</li>
<li><b>Cross-border exposure:</b> Work with clients and partners across MENA and beyond. Gain hands-on experience with schemes, banks, and regulators, and broaden your domain expertise.</li>
<li><b>Real product and business impact:</b> Build for a live issuing platform used by fintechs. See measurable results on performance and revenue within weeks, and celebrate wins backed by data.</li></ul></div>

Operational Risk Manager

Raqamyah | رقمية

<div>
 <p>
  <strong>
   Company Description
  </strong>
 </p>
 <p>
  Raqamyah | رقمية is the leading crowdfunding platform in Saudi Arabia licensed by the Saudi Central Bank (SAMA). The company empowers SMEs by providing quick and accessible financing solutions while offering attractive investment opportunities with competitive returns to investors. Utilizing innovative financial technologies, Raqamyah aims to boost economic growth by supporting entrepreneurs and investors.
 </p>
 <p>
  <br/>
 </p>
 <strong>
  Role Overview:
 </strong>
 <p>
  The
  <strong>
   Risk Manager
  </strong>
  is responsible for designing, implementing, and maintaining a comprehensive risk management framework across Raqamyah&rsquo;s operations, in alignment with the
  <strong>
   Saudi Central Bank (SAMA) Risk Management and Corporate Governance Regulations
  </strong>
  . The role ensures that all material risks &mdash; credit, operational, liquidity, market, compliance, and information security &mdash; are effectively identified, assessed, monitored, and reported.
 </p>
 <p>
  This is a critical control function supporting Raqamyah&rsquo;s mission to maintain prudent risk culture, regulatory compliance, and financial sustainability as the company scales its institutional and retail lending operations.
 </p>
 <p>
  <br/>
 </p>
 <strong>
  Key Responsibilities:
 </strong>
 <p>
  <br/>
 </p>
 <strong>
  1. Risk Governance &amp; Framework
 </strong>
 <ul>
  <li>
   Establish and maintain Raqamyah&rsquo;s
   <strong>
    Enterprise Risk Management (ERM)
   </strong>
   framework, policies, and procedures in line with
   <strong>
    SAMA requirements
   </strong>
   .
  </li>
  <li>
   Ensure proper risk governance structure, including
   <strong>
    risk appetite statements, limits, and key risk indicators (KRIs)
   </strong>
   .
  </li>
  <li>
   Facilitate periodic reviews and approval of risk policies by the
   <strong>
    Risk Committee and the Board of Directors
   </strong>
   .
  </li>
  <li>
   Promote a
   <strong>
    strong risk culture
   </strong>
   across all departments through training, awareness, and reporting.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <strong>
  2. Credit &amp; Portfolio Risk
 </strong>
 <ul>
  <li>
   Oversee the credit risk management framework for
   <strong>
    SME and micro-lending portfolios
   </strong>
   .
  </li>
  <li>
   Review borrower assessment methodologies, credit scoring models, and default probability estimates.
  </li>
  <li>
   Monitor portfolio concentration, delinquency, and
   <strong>
    Expected Credit Loss (ECL)
   </strong>
   under
   <strong>
    IFRS 9
   </strong>
   .
  </li>
  <li>
   Work closely with the Credit and Collections teams to manage exposures, early warning signals, and provisioning adequacy.
  </li>
  <li>
   Prepare risk analytics and performance dashboards for
   <strong>
    institutional lenders and board reporting
   </strong>
   .
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <strong>
  3. Operational &amp; IT Risk
 </strong>
 <ul>
  <li>
   Identify, assess, and monitor
   <strong>
    operational risks
   </strong>
   arising from people, systems, processes, and external factors.
  </li>
  <li>
   Develop and maintain the
   <strong>
    Risk Control Self-Assessment (RCSA)
   </strong>
   and incident reporting processes.
  </li>
  <li>
   Coordinate with the
   <strong>
    Cybersecurity and GRC
   </strong>
   teams to ensure compliance with
   <strong>
    SAMA Cybersecurity Framework
   </strong>
   ,
   <strong>
    NCA controls
   </strong>
   , and
   <strong>
    PDPL
   </strong>
   .
  </li>
  <li>
   Support
   <strong>
    business continuity and disaster recovery
   </strong>
   planning and testing.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <strong>
  4. Regulatory, Reporting &amp; Board Support
 </strong>
 <ul>
  <li>
   Prepare periodic
   <strong>
    risk dashboards and heat maps
   </strong>
   for the CEO and Board Risk Committee.
  </li>
  <li>
   Ensure full compliance with
   <strong>
    SAMA&rsquo;s Risk Management, Governance, and Internal Control Guidelines
   </strong>
   .
  </li>
  <li>
   Coordinate with
   <strong>
    Internal Audit, Compliance, and Finance
   </strong>
   to close regulatory findings and ensure continuous improvement.
  </li>
  <li>
   Maintain up-to-date
   <strong>
    Risk Register
   </strong>
   ,
   <strong>
    Key Risk Indicators (KRIs)
   </strong>
   , and
   <strong>
    loss event data
   </strong>
   .
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <strong>
  Qualifications &amp; Experience
 </strong>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in
   <strong>
    Finance, Risk Management, Accounting, or related field
   </strong>
   (Master&rsquo;s preferred).
  </li>
  <li>
   <strong>
    5&ndash;10 years
   </strong>
   of experience in risk management, preferably within a
   <strong>
    SAMA-regulated financial institution or fintech
   </strong>
   .
  </li>
  <li>
   In-depth understanding of
   <strong>
    SAMA Risk Management Framework
   </strong>
   ,
   <strong>
    IFRS 9
   </strong>
   , and
   <strong>
    credit risk modeling
   </strong>
   .
  </li>
  <li>
   Experience in SME lending or consumer finance is a plus.
  </li>
  <li>
   Strong quantitative, analytical, and reporting skills.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <strong>
  Preferred Certifications
 </strong>
 <ul>
  <li>
   <strong>
    FRM (Financial Risk Manager)
   </strong>
   &ndash; GARP
  </li>
  <li>
   <strong>
    CRM / CRMP / PRM
   </strong>
   certifications
  </li>
  <li>
   <strong>
    CFA (Chartered Financial Analyst)
   </strong>
   &ndash; advantage
  </li>
  <li>
   <strong>
    ISO 31000 Risk Management Certification
   </strong>
  </li>
  <li>
   <strong>
    SAMA or CMA regulatory training
   </strong>
  </li>
 </ul>
 <p>
  <strong>
   <span class="ql-cursor">
    ﻿
   </span>
  </strong>
 </p>
 <strong>
  Key Competencies
 </strong>
 <ul>
  <li>
   Strong analytical and critical thinking.
  </li>
  <li>
   Deep understanding of risk management practices and regulatory requirements.
  </li>
  <li>
   Excellent communication and presentation skills (Arabic and English).
  </li>
  <li>
   High ethical standards, integrity, and independent judgment.
  </li>
  <li>
   Ability to work cross-functionally with technology, credit, finance, and compliance teams.
  </li>
 </ul>
 <p>
  <br/>
 </p>
</div>


myZoi

<div><span style="font-size: 11px;"><b>The Role</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">We are looking for an Operational Risk Manager in the First Line of Defence who will be responsible for supporting the functions in managing end to end operational risks for myZoi. The individual will be responsible for supporting and executing the first line of defence and ensures effective implementation of Operational Risk Framework (under the Enterprise Risk Management Framework), process controls and governance within the country.</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;"><b>RESPONSIBILITIES:</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Process Ownership</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Identification and management of the end-to-end processes and associated risks for the activities carried out by the business.</span></div><div><span style="font-size: 11px;">Implementing CAS (Control Assessment Standards) to monitor the effectiveness of the controls and standards governing the end-to-end process.</span></div><div><span style="font-size: 11px;">Escalating significant risks and issues, to the Process Owners, relevant Risk Framework Owners or Policy Owners and the CRO.</span></div><div><span style="font-size: 11px;">Business</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Support myZoi in maintaining an awareness of the wider business, economic and market environment conditions.</span></div><div><span style="font-size: 11px;">Continuously support in evaluation and identification of operational risk implications of business strategies and programmes and provide guidance on any operational risk remediation actions.</span></div><div><span style="font-size: 11px;">Understand processes and devise change in control design via Risk and Control Self Assessment (RCSA).</span></div><div><span style="font-size: 11px;">Work toward minimising systemic product and process risks by considering the design of the product features, implementation of process robustness, appropriateness and performance monitoring</span></div><div><span style="font-size: 11px;">Processes</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Responsible for ensuring adherence to specified BAU operational risk deadlines, along with the consistent execution of Control Standard Testing and Key Control Indicators for relevant processes.</span></div><div><span style="font-size: 11px;">Responsible for being a key escalation recipient for the business for all operational risk related incidents and queries that arise.</span></div><div><span style="font-size: 11px;">Responsible for ensuring that Risk Register for myZoi is up to date at all times and reflects the controls needed for local and regulatory requirements captured in the Obligations Register.</span></div><div><span style="font-size: 11px;">Ensure risk ownership of residual risk evaluations and associated remediation activities.</span></div><div><span style="font-size: 11px;">Responsible for coordinating with stakeholders and increase transparency and share key developments, learnings and best practices.</span></div><div><span style="font-size: 11px;">Responsible for supporting in minimizing operational risks and losses, and ensuring material operational losses are investigated to prevent recurrence.</span></div><div><span style="font-size: 11px;">Ensure appropriate control mechanisms are implemented and approved where required in the processes.</span></div><div><span style="font-size: 11px;">Risk Management</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Support in evaluation and identification of operational risks for new products and new business, regulatory and thematic risks, and drive the implementation of appropriate controls to mitigate these risks.</span></div><div><span style="font-size: 11px;">Responsible for raising awareness of business controls, governance and supervision responsibilities amongst relevant staff in the country and ensure an appropriate culture amongst all staff in this regard.</span></div><div><span style="font-size: 11px;">Responsible for ensuring compliance with policies which impact operational risk. Challenge processes, procedures, and policy if there is&nbsp; an opportunity for efficiency and control improvements.</span></div><div><span style="font-size: 11px;">Responsible for speaking out on emerging risks for the businesses in the country.</span></div><div><span style="font-size: 11px;">Responsible for identifying knowledge gaps, facilitate development of training on Operational Risk for myZoi team.</span></div><div><span style="font-size: 11px;">Governance</span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">Support segments/functions in ensuring adequate governance and oversight of operational risk through the escalation and appropriate resolution of risk exposures to the Executive Risk Committee (ERC) as required.</span></div><div><span style="font-size: 11px;">Responsible for escalation of issues, blockages, challenges and trends to the Chief Risk Officer, as required.</span></div><div><span style="font-size: 11px;">People and Talent</span></div><div><br></div><div><span style="font-size: 11px;"><b>Our Ideal Candidate&nbsp;</b></span></div><div><span style="font-size: 11px;"><br></span></div><div><span style="font-size: 11px;">In-depth knowledge on financial service products including store value facility, retail payment services and consumer protection</span></div><div><span style="font-size: 11px;">Knowledge on technology and ICS standards including AI used for building financial services will be an added advantage.</span></div><div><span style="font-size: 11px;">Academic or Professional Education/Qualifications, i.e. standards required for role</span></div><div><span style="font-size: 11px;">Licenses and Certifications/accreditations will be an added advantage</span></div><div><span style="font-size: 11px;">Experience in Operational Risk, Credit &amp;/or Market Risk, Assurance, Audit&nbsp;</span></div><div><span style="font-size: 11px;">8 to 10 years of experience in related industries</span></div>

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