project manager

operations manager

finance manager

financial analyst

planning manager

risk manager

Confidential Company

<p><strong>Risk Governance & Framework</strong></p><p>· Develop, implement, and maintain a comprehensive Risk Management Framework (RMF) consistent with CBUAE Risk Management Standards and ISO 31000 principles, and internal governance requirements.</p><p>· <strong>Ensure independence of the Risk function as the second line of defense,</strong> separate from operational management and internal audit.</p><p>· Support the Board and Board Risk and Compliance Committee (BRCC) in overseeing risk strategy and risk appetite.</p><p>· Collaborate with Head of Compliance and Assurance to ensure alignment on regulatory and internal risk policies.</p><p><strong>Risk Identification & Assessment</strong></p><p>· Identify, assess, and mitigate strategic, financial, operational, credit, and technology risks.</p><p>· Conduct periodic enterprise-wide risk assessments and scenario analyses to determine risk exposures and emerging threats.</p><p>· Evaluate the effectiveness of internal controls and risk mitigation measures.</p><p>· Contribute to defining risk appetite and risk tolerance levels appropriate to business strategy and operational scale.</p><p><strong>Risk Monitoring & Reporting</strong></p><p>· Maintain risk registers, Key Risk Indicators (KRIs), and dashboards to monitor exposures across business lines.</p><p>· Escalate breaches of risk appetite in accordance with CBUAE governance standards.</p><p>· Prepare risk- related reports for the BRCC, and senior management, highlighting material risk exposures, trends, and breaches.</p><p>· Coordinate with Compliance for any regulatory risk related submissions, and governance reports required by the CBUAE and other relevant authorities.</p><p>· Support Management in licensing submissions related to Risk Management.</p><p>Maintain documentation demonstrating compliance with applicable risk management requirements under SVF and RPSCS Regulations.</p><p><strong>Operational & Technology Risk Oversight</strong></p><p>· Oversee risk controls over business continuity and third-party service providers.</p><p>· Conduct periodic reviews and stress tests to evaluate resilience against operational disruptions, or system failures.</p><p>· Ensure that Business Continuity and Disaster Recovery frameworks meet <strong>CBUAE Operational Resilience expectations.</strong></p><p>· Work in coordination with the Information Security Manager to, maintain and implement the organization’s Business Continuity Plan and Management (<strong>BCP & BCM</strong>).</p><p><strong>Risk Culture & Awareness</strong></p><p>· Provide training for employees to become aware of risks and learn to mitigate them.</p><p>· Provide coaching, develop skills, deepen learning, and improve performance of employees and peers.</p><p>· Foster a risk-aware culture across the organization</p><p>Future Growth and Team Development</p><p>· The Risk manager will scale the Risk function, recruiting, mentoring, and management a risk team, as business requirements.</p>

Risk Manager

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>

Operational Risk Manager

Binance

Binance is a leading global blockchain ecosystem behind the world's largest cryptocurrency exchange by trading volume and registered users. We are trusted by over 280 million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, Web3 features, and more. We leverage the p Binance is a leading global blockchain ecosystem behind the world's largest cryptocurrency exchange by trading volume and registered users. We are trusted by over 280 million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, Web3 features, and more. We leverage the power of digital assets and blockchain to build an inclusive financial ecosystem to advance the freedom of money and improve financial access for people around the world. Responsibilities ERMF &amp; Governance: Assist in the development of risk policies/procedures and prepare risk training materials Provide support to maintain effective risk governance across the firm which includes but not limited to assist to establish Key Risk Indicators, support the Board Committee reporting Provide support and guidance to Risk Champion/Risk Owner in the 1st line of defense, and assist to collate Business Units' risk report Country Risk Management ("CRM"): Consolidate regional incidents and perform regular trending analysis and thematic review Assist regional team in the establishing key risk indicator in-line with the firm's risk governance framework Assist and support in enabling central risk team to maintain ongoing oversight on regional team Product Risk Management ("PRM"): Support in product risk assessment, work closely with Risk Owner to conduct risk and control assessment on risk exposure across different Crypto products Perform validation of controls identified via product risk assessment, and ensure remedial actions implemented in time Perform risk assessment on new products/services Functional Risk Management ("FRM"): Responsible for overseeing the outsourcing framework, ensuring compliance with regulatory requirements and managing both intra-group and external third-party service providers Collaborating with Vendor owner, Legal, Procurement, Compliance, and Group teams to establish and maintain robust controls and contractual protections Assist in establishing and maintaining key risk indicators matrices amongst all risk pillars (both global and regional) Assist risk pillar SME in the establishing key risk indicator as necessary in-line with the firm's risk governance framework Assist and support in enabling central risk team to maintain ongoing oversight on all risk pillars Others: Support Operational Risk team initiatives, including but not limited to Third Party Risk management, Incident management, Business Continuity planing Perform Risk Dashboard and Report for management oversight Perform ad-hoc projects and tasks as requested by the team Requirements Bachelor's Degree holder in Business/Commerce/Finance/Risk Management or other related disciplines is preferred 8+ years working experience in financial services/operational risk/audit/advisory services/product management Experience in database management system, and governance, risk &amp; compliance tool will be an advantage Strong execution and project management skills with proven ability to manage multiple, time-sensitive initiatives concurrently and deliver results in a dynamic, fast-paced environment Good attitude, strong interpersonal &amp; communication skills Self-disciplined, able to work under pressure &amp; meet deadlines &gt; Why Binance   Shape the future with the world's leading blockchain ecosystem   Collaborate with world-class talent in a user-centric global organization with a flat structure   Tackle unique, fast-paced projects with autonomy in an innovative environment   Thrive in a results-driven workplace with opportunities for career growth and continuous learning   Competitive salary and company benefits   Work-from-home arrangement (the arrangement may vary depending on the work nature of the business team) Binance is committed to being an equal opportunity employer. We believe that having a diverse workforce is fundamental to our success. By submitting a job application, you confirm that you have read and agree to our Candidate Privacy Notice . We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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>

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

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

Citi

<div><p><b>Role Overview</b></p><p>
The Portfolio, Governance and Conduct Risk Manager will be responsible for developing, implementing, and maintaining a robust framework for governance and conduct risk and portfolio management within the bank. This role ensures adherence to regulatory requirements, internal policies, and best practices, fostering a culture of ethical conduct and sound decision-making across the organization. The manager will work closely with various business lines, legal, compliance, and risk management teams to identify, assess, monitor, and mitigate governance and conduct risks.</p><p></p><p><b>
Key Responsibilities</b></p><ul><li>
Design, develop, and implement the bank&rsquo;s governance and conduct risk framework, policies, procedures, and standards in line with regulatory expectations and industry best practices.</li><li>
Ensure the framework integrates effectively with the overall enterprise risk management (ERM) framework.</li><li>
Develop and maintain a robust control environment for governance and conduct risks.</li></ul><ul><li>
Conduct regular risk assessments to identify potential governance and conduct risks inherent in business activities, new products, services, and processes.</li><li>
Analyze emerging regulatory requirements and industry trends to proactively identify and assess new or evolving governance and conduct risks.</li><li>
Facilitate workshops and discussions with business units to understand their specific risk profiles and controls.</li></ul><ul><li>
Establish and monitor key risk indicators (KRIs) and key performance indicators (KPIs) related to governance and conduct risk.</li><li>
Develop and deliver comprehensive reports on governance and conduct risk exposures, control effectiveness, and mitigation activities to senior management, risk committees, and the Board of Directors.</li><li>
Oversee the tracking and resolution of governance and conduct risk issues and incidents.</li></ul><ul><li>
Provide expert advice and guidance to business units and support functions on governance and conduct risk matters, including policy interpretation and control implementation.</li><li>
Develop and implement conduct-related policies (e.g., conflicts of interest, market conduct, data ethics, employee conduct) and ensure their effective communication and adoption.</li><li>
Develop and deliver training programs to raise awareness and understanding of governance and conduct risk principles, policies, and expected behaviors across the bank.</li><li>
Champion a strong risk culture and ethical conduct throughout the organization, promoting transparency, accountability, and integrity.</li><li>
Stay abreast of changes in global and local regulatory landscapes pertaining to governance and conduct risk.</li><li>
Assist in preparing for and responding to regulatory examinations and requests related to governance and conduct risk.</li></ul><p></p><p><b>
Qualifications</b></p><p><b>
Education</b></p><ul><li>
Bachelor's degree in Finance, Business Administration, Law, Economics, or a related field.</li><li>
Master's degree or relevant professional certifications (e.g., FRM, PRM, CAMS, ICA qualifications) are a plus.</li></ul><p></p><p><b>
Skills &amp; Competencies</b></p><ul><li><b>
Regulatory Knowledge:</b> Understanding of banking regulations, corporate governance principles, and conduct risk expectations.</li><li><b>
Analytical Skills:</b> Excellent analytical and problem-solving abilities, with a keen eye for detail and the capacity to synthesize complex information.</li><li><b>
Communication:</b> Exceptional verbal and written communication skills, with the ability to articulate complex risk concepts to diverse audiences, including senior management and regulators.</li><li><b>
Interpersonal Skills:</b> Strong ability to build relationships, influence stakeholders, and collaborate effectively across all levels of the organization.</li><li><b>
Strategic Thinking:</b> Ability to think strategically and translate regulatory requirements and risk insights into practical and effective business solutions.</li><li><b>
Project Management:</b> Proven ability to manage multiple projects simultaneously, meet deadlines, and deliver high-quality results.</li><li><b>
Integrity:</b> Unquestionable integrity and ethical standards.</li><li><b>
Technical Proficiency:</b> Proficient in Microsoft Office Suite (Excel, PowerPoint, Word) and experience with GRC (Governance, Risk, and Compliance) software is a plus.</li></ul><p></p><p><b>
Reporting Structure</b></p><p>
The Governance and Conduct Risk Manager will have a direct reporting line to MEA Risk Cluster Head and it will be matrix reporting to UAE Chief Risk Officer.</p><p>
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Job Family Group:
</b></p>Risk Management<p>
-</p><p><b>
Job Family:</b></p>
Portfolio Credit Risk Management<p>
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Time Type:</b></p>
Full time<p>
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Most Relevant Skills
</b></p>Analytical Thinking, Credible Challenge, Governance, Monitoring and Evaluation, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.<p>
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Other Relevant Skills
</b></p>For complementary skills, please see above and/or contact the recruiter.<p>
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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.</i></p><p></p><p><i><br>
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review </i><i>Accessibility at Citi</i><i>.</i><br>
<br>
<i>View Citi&rsquo;s </i><i>EEO Policy Statement</i><i> and the </i><i>Know Your Rights</i><i> poster.</i></p></div>

Portfolio And Conduct Risk Management (UAE Nationals Only) - Dubai

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Portfolio And Conduct Risk Management (UAE Nationals Only) - Dubai