risk officer

HH Salon

Role Overview: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.Key Responsibilities:<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>Required Qualifications:<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>Key Competencies &amp; Skills:<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>Job Type: Full-time

Chief Risk Officer (CRO)

EY in Pakistan

<div>
 At EY, we&rsquo;re all in to shape your future with confidence.
 
 
 We&rsquo;ll help you succeed in a globally connected powerhouse of diverse teams and take your career wherever you want it to go.
 
 
 Join EY and help to build a better working world.
 
 
 
 About MENA Tax Quality
 
 
 
 The Middle East and North Africa (MENA) region includes 14 countries.
 
 
 MENA TQ&rsquo;s primary focus and responsibility is to support our client teams with provision of timely, quality advice and guidance to enable them to deliver high quality work, manage risk effectively, innovate, develop business, maintain market presence, and remain in compliance with regulatory, legislative, and internal EY requirements continuously and consistently.
 
 
 Another of our priorities is to work closely with Global Tax Quality and other MENA business functions such as Risk Management, General Counsel&rsquo;s Office, Operations, and the wider EY network in delivering and supporting a variety of global and local priorities and initiatives.
 
 
 We support client teams throughout the entire engagement lifecycle as necessary, provide them with tailored training, communicate messages of importance and act as a vital part of consultation network between teams and other business units.
 
 
 In addition to day-to-day and defined TQ responsibilities, we get involved in specialized projects, assist with development and updates of policies and guidance as part of global and local efforts, and support the MENA Tax and Law practice in the execution of different strategies and developments.
 
 
 An opportunity has arisen to join the MENA Tax Quality team as a Team Assistant/Consultant. As a key support member to a small, but highly experienced team, you will have ample opportunities to utilize and acquire variety of skills and experiences while supporting different projects and initiatives.
 
 
 
 The opportunity
 
 
 
 The role is split between approximately 75% technical and 25% administrative support.
 
 
 
 Your Key Responsibilities
 
 
 
 Technical elements:
 
 
 <ul>
 <li>
 Assist with consultations, responding to quality and compliance related queries from the business
 </li>
 <li>
 Support various project initiatives, tracking events through resolution
 </li>
 <li>
 Participate in policy and guidance research, review and drafting
 </li>
 <li>
 Support the delivery of TQ training to Client teams
 </li>
 <li>
 Provide ad-hoc cover on some projects during holidays
 
 
 </li>
 </ul>
 Administrative elements
 
 
 <ul>
 <li>
 Support the broader team with administrative and operational needs
 </li>
 <li>
 Scheduling and coordination of meetings &ndash; prepare and circulate calendar invitations, assist in finalizing meeting documentation and presentations
 </li>
 <li>
 Occasional support with organizing business travel and itineraries
 </li>
 <li>
 Maintain the TQ Sharepoint sites (uploading documents and information, managing access and issues if and when any arise)
 
 
 </li>
 </ul>
 
 Skills And Attributes For Success
 
 
 
 To qualify for the role, you must have:
 
 
 <ul>
 <li>
 Undergraduate/University degree
 </li>
 <li>
 3+ years prior, related work experience preferably in Compliance, Quality, Internal Audit, Legal or Risk Management functions or in other fast-paced international organization.
 </li>
 <li>
 Good command of English (written and spoken)
 </li>
 <li>
 Proficiency in working with Outlook and all Microsoft Office products. IT literate, savvy in working with technology in general, ability to promptly learn to work with new systems and tools, detect issues and able to initiate their resolution
 </li>
 <li>
 Excellent organizational, prioritization, problem-solving and time-keeping abilities. Previous EA/PA experience is a plus
 </li>
 <li>
 An eye for detail and oriented towards continuous improvement
 </li>
 <li>
 Strong interpersonal skills, ability to effectively partner and collaborate with other functions on various initiatives
 </li>
 <li>
 Able to balance the need to be approachable and supportive with the requirement to be resolute and resilient in challenging situations
 </li>
 <li>
 High degree of flexibility, professionalism and integrity
 
 
 </li>
 </ul>
 Ideally, you&rsquo;d also have
 
 
 <ul>
 <li>
 A good command of Arabic (written and spoken)
 </li>
 <li>
 Experience working with Power BI or other analytics platforms
 </li>
 <li>
 The ability to be future-focused and able to consider and adapt to new and developing areas of the business.
 
 
 </li>
 </ul>
 
 What We Look For
 
 
 
 Someone who has proven skills, thrives working in a dynamic, global, multi-cultural organization and is able to think creatively. The candidate should be comfortable to work on several initiatives simultaneously with different members of and outside the TQ team. Excellent interpersonal and relationship building skills along with written and verbal communication skills.
 
 
 
 What We Offer You
 
 
 
 
 At EY, we&rsquo;ll develop you with future-focused skills and equip you with world-class experiences. We&rsquo;ll empower you in a flexible environment, and fuel you and your extraordinary talents in a diverse and inclusive culture of globally connected teams. Learn more.
 
 
 
 
 Are you ready to shape your future with confidence? Apply today.
 
 
 
 
 To help create an equitable and inclusive experience during the recruitment process, please inform us as soon as possible about any disability-related adjustments or accommodations you may need.
 
 
 
 
 EY | Building a better working world
 
 
 
 
 EY is building a better working world by creating new value for clients, people, society and the planet, while building trust in capital markets.
 
 
 
 
 Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow.
 
 
 
 
 EY teams work across a full spectrum of services in assurance, consulting, tax, strategy and transactions. Fueled by sector insights, a globally connected, multi-disciplinary network and diverse ecosystem partners, EY teams can provide services in more than 150 countries and territories.
 
</div>

Quality & Risk Officer - Pakistan

البنك التجاري الدولي

<div></div><div><div>Description<div></div> 
JOB PURPOSE
To assist in the design and implementation of a common and consistent Model Risk Management program to effectively manage Model Risk validation in accordance with internal policy and regulatory requirements. In addition to assisting the Model Risk Manager in managing framework for the bank with the objective of a forward-looking approach, coupled with a strong Risk Culture, and a robust IMMMR (Identification, Measuring, Managing, Monitoring and Reporting).
DESCRIPTION
Business Support
1. Assist in setting up &amp; applying validation methodologies of different types of Models Based on scoring, recommend, which Model, requires external or internal validation, as well as risk acceptance to ensure applying industry standards.
2. Assist in ensuring Model Risk Documentation is in place to have a solid model inventory bank wide.
3. Update the EUC inventory on annually basis and ensure the solid backup of the critical spreadsheets to monitor End User computing &amp; ensure that a mitigation process is in place for critical spread sheets.
4. Coordinate with the Vendor, Spreadsheet owner and project management to implement the automation process
5. Follow up with Model Risk Champions, Model owner, Project Management and Internal Consultant on the ongoing assessment to start the Automation and Validation process.
6. Assist in implementing appropriate technology in order to monitor Model Risk Management diligently.
7. Prepare the Model Risk Standard Reports and action plans to be presented to NFRCC and BRC.
Policies, Processes, and Procedures
8. Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner
Day- to-day operations
9. Follow the day-to-day operations related to own jobs in the Reputation, Strategic &amp; Model Risks department to ensure continuity of work
Compliance
10. Comply with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB&rsquo;s sound legal position and mitigate any potential risks<div> 
</div></div><div>
Qualifications<div></div> 
Knowledge, Skills, and Experience<ul><li> Technical Skills:</li></ul>
o Strong quantitative skills in model development and validation.
o Expertise in Microsoft Office Suite (Excel, PowerPoint, Word).
o Hands-on experience with SAS, Python.
o Deep understanding of model development, validation, and end-user computing, including hands-on experience in internal model validation.
o Proficiency in risk assessment and automation for Significant spreadsheets.
o Knowledge of key regulatory and risk management areas such as Stress Testing, Macro-economic models, IFRS9, PD, IRRBB, VAR and Expected Shortfall.<ul><li> Experience:</li></ul>
o 3-5 years of experience in the banking/financial sector with a strong focus on risk management and quantification processes.
o Proven experience working with external vendors and consultants for independent model validations.
o Project management experience and knowledge of bank operations and regulatory laws is preferred.<ul><li> Education:</li></ul>
o Bachelor&rsquo;s degree of Commerce, Business, Statistics.
o Master&rsquo;s degree in a quantitative field (e.g., Statistics, Mathematics, or Econometrics) is preferred.<ul><li> Soft Skills:</li></ul>
o Strong negotiation and communication skills.
o Ability to work both independently and as part of a team; a self-starter who is innovative and highly motivated.
o Proficient at managing multiple assignments, working under pressure, and meeting deadlines through strong organizational and prioritization skills.<div> 
</div></div><div>
Primary Location: Egypt-Giza-GIZA HEAD OFFICE</div><div>
Job: Back Office</div><div>
Organization: RISK</div><div>
Shift: Day Job</div><div>
Job Type: Full-time Employee</div></div>

Model Risk Officer/Senior Officer

Deloitte

<div>
 
 Operations Risk &amp; Security Lead, Cairo, Egypt
 
 
 
 
 Connect to your career at Deloitte
 
 
 
 Deloitte, established globally in 1845, is the world&rsquo;s largest and leading professional services firm, providing Audit &amp; Assurance, Tax &amp; Legal and Consulting and related services to public and private clients spanning multiple industries. Present in more than 150 countries, Deloitte is distinct in its ability to help clients solve their most complex problems, from strategy to implementation.
 
 
 Deloitte innovation hub (DIH) is a strategic initiative established by Deloitte North &amp; South Europe (NSE) to support our ambition to become the leading business transformation partner of choice for our clients and to expand and scale our delivery footprint across EMEA. With access to a scaled, diverse, highly skilled, motivated, and engaged workforce, DIH is delivering complex technical solutions for clients&rsquo; most complex business problems, across portfolios that include &lsquo;Strategy &amp; Transactions&rsquo;, &lsquo;Customer&rsquo;, &lsquo;Engineering, AI &amp; Data, &lsquo;Enterprise, Technology &amp; Performance&rsquo; and &lsquo;Cyber&rsquo;. DIH is aiming to become the destination for top talents in Egypt for a long, exciting career.
 
 
 We invest in outstanding people of diverse talents and backgrounds and empower them to achieve more than they could elsewhere. Our work combines advice with action and integrity. We believe that when our clients and society are stronger, so are we. Our organization has grown in scale and diversity, providing services across the region, with our shared culture remaining the same. We aim to help clients realize their ambitions, make a positive difference in society, and maximize the success of our people. This drive fuels the commitment and humanity that run deep through our every action.
 
 
 
 Connect to your opportunity
 
 
 
 The CSO/Risk Leader at Deloitte Innovation Hub (DIH) is responsible for overseeing risk management, security, and compliance in line with ISO standards/other certifications or accreditations and regulatory requirements.
 
 
 This role leads the development and implementation of risk strategies, security policies, and a quality and risk management framework to protect and safeguard DIH&rsquo;s operations and reputation.
 
 
 The CSO/Risk Leader fosters a culture of integrity and ethical behavior while ensuring effective stakeholder engagement and clear communication of risk and quality objectives. He/she also ensures business continuity and crisis management plans are robust and effective.
 
 
 Additionally, the CSO actively participates in Deloitte&rsquo;s global risk community to promote best practices and continuous improvement.
 
 
 
 Key Responsibilities
 
 
 
 <ul>
 <li>
 Risk Management
 </li>
 <ul>
 <li>
 Has the overall responsibility for the ISO Management Systems and any other certifications and or accreditations. This includes planning, implementing, monitoring, and maintaining all policies.
 </li>
 <li>
 Develop and implement risk management strategies and frameworks.
 </li>
 <li>
 Develop and lead a team of experts within DIH under the principles of the lines of defense model to support the CSO/Risk Leader in their day-to-day activities.
 </li>
 <li>
 Develop and implement a risk and controls assurance program to assess effectiveness, drive improvement, and proactively mitigate potential threats to DIH&rsquo;s operations.
 </li>
 <li>
 Monitor and report on risk exposure and mitigation efforts.
 </li>
 <li>
 Submit risk management reports on regular basis and as required by the Executive Management body.
 </li>
 <li>
 Collaborate with various departments to ensure risk management practices are integrated into all business processes
 </li>
 </ul>
 <li>
 Security Management
 </li>
 <li>
 Enforce policies and procedures in accordance with ISO standards or any other independent assurance, certifications, or accreditations.
 </li>
 <li>
 Oversee the implementation of physical and digital security measures.
 </li>
 <li>
 Conduct regular security audits and assessments.
 </li>
 <li>
 Manage security incidents and coordinate response efforts.
 </li>
 <li>
 Ensure compliance with local and international security standards and regulations.
 </li>
 <li>
 Compliance
 </li>
 <li>
 Ensure adherence to regulatory requirements and industry best practices.
 </li>
 <li>
 Maintain up-to-date knowledge of relevant laws and regulations.
 </li>
 <li>
 Conduct compliance audits and prepare reports for senior management.
 </li>
 <li>
 Provide training and awareness programs on compliance and security issues.
 </li>
 <li>
 Governance, Culture, and Leadership
 </li>
 <li>
 Define and oversee the operation of quality and risk management activities within DIH, ensuring alignment with Deloitte&rsquo;s strategic objectives.
 </li>
 <li>
 Develop, align, and communicate quality and risk management (QRM) controls, policies, and guidelines consistent with DIH strategy and plans, as well as global and local member firm requirements.
 </li>
 <li>
 Promote a culture of integrity, ethical conduct, and transparent communication, empowering practitioners to raise concerns confidently.
 </li>
 <li>
 Quality and Risk Management Structure
 </li>
 <li>
 Design and maintain an operational risk leadership structure appropriate to the size, complexity, and service offerings of DIH
 </li>
 <li>
 Collaborate with other Deloitte firms to identify and mitigate potential and emerging risks that could harm Deloitte&rsquo;s reputation or operations.
 </li>
 <li>
 Stakeholder Management
 </li>
 <ul>
 <li>
 Collaborate with DIH Executives to identify key stakeholders and engage with clients and regulators as needed to resolve issues and due diligence queries.
 </li>
 <li>
 Create and maintain a framework to oversee quality and risk controls for Engaging Firms and establish and chair a quality and risk user forum on behalf of DIH.
 </li>
 <li>
 Ensure clear communication and alignment of risk and quality objectives with all stakeholders.
 </li>
 </ul>
 <li>
 Ethics and Practitioners Training
 </li>
 <ul>
 <li>
 Ensure a comprehensive risk and quality training programmes are in place.
 </li>
 <li>
 Oversee delivery of ethics, anti-discrimination, and anti-harassment training as part of induction and ongoing development for all employees and contractors.
 </li>
 <li>
 Provide additional role-based ethics training upon promotion to managerial and senior leadership levels.
 </li>
 <li>
 Establish and promote a culture of integrity and trust within DIH.
 </li>
 </ul>
 <li>
 Risk Community Membership
 </li>
 <ul>
 <li>
 Participate actively in Deloitte Global Risk communications and operate as an integral part of the global risk community.
 
 </li>
 </ul>
 </ul>
 
 Qualifications
 
 
 
 
 Connect to your skills and professional experience
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in risk management, Security Studies, Business Administration, or a related field. A Master's degree is preferred.
 </li>
 <li>
 Professional certifications such as Certified Risk Manager (CRM), Certified Information Systems Security Professional (CISSP), or equivalent.
 </li>
 <li>
 Minimum of 10 years of experience in risk management and security, preferably within a corporate or innovation hub setting.
 </li>
 <li>
 Strong knowledge of risk management frameworks, security protocols, and regulatory requirements.
 </li>
 <li>
 Excellent analytical, problem-solving, and decision-making skills.
 </li>
 <li>
 Strong leadership and team management abilities, with experience in engaging senior leadership on risk-related issues.
 </li>
 <li>
 Effective communication and interpersonal skills.
 </li>
 <li>
 Proficiency in English and Arabic.
 
 
 </li>
 </ul>
 
 Connect to your business &ndash; Technology &amp; Transformation
 
 
 
 Distinctive thinking, deep expertise, and collaborative working. That&rsquo;s what connects us. That&rsquo;s what makes us Deloitte. If you want to help solve some of the biggest challenges around, join us. Together, we&rsquo;ll make an impact that matters.
 
 
 
 Personal Independence
 
 
 
 Regulation and controls are standard practice in our industry and Deloitte is no exception. These controls provide important legal protection for both you and the firm. We are subject to several audit regulations, one of which requires that certain colleagues abide by specific personal independence constraints. This can mean that you and your "Immediate Family Members" are not permitted to hold certain financial interests (shares, funds, bonds etc.) with audit clients of the firm. The recruitment team will provide further detail as you progress through the recruitment process.
 
 
 
 Connect with your colleagues
 
 
 
 Location: Cairo, Egypt
 
 
 &ldquo;What attracted me to Deloitte were the endless opportunities and the collective experience of other like-minded individuals. Deloitte&rsquo;s clients include many of the world&rsquo;s largest organizations; I wanted to be part of a team that made a difference that I could be proud of.&rdquo; -Dan, Technology &amp; Transformation
 
 
 &ldquo;Everyone always says &ldquo;it&rsquo;s the people,&rdquo; and that&rsquo;s true. Working for a brand you feel proud of feels pretty good too. And you don&rsquo;t have any stress about fitting into a particular stereotype, because there are so many different types of people in Deloitte Digital.&rdquo; &ndash; Gillian, Technology &amp; Transformation
 
 
 
 Our commitment to you
 
 
 
 Making an impact is more than just what we do: it&rsquo;s why we&rsquo;re here. So, we work hard to create an environment where you can experience a purpose you believe in, the freedom to be you, and the capacity to go further than ever before.
 
 
 We want you. The true you. Your own strengths, perspective, and personality. So, we&rsquo;re nurturing a culture where everyone belongs, feels supported and heard, and is empowered to make a valuable, personal contribution. You can be sure we&rsquo;ll take your wellbeing seriously, too. Because it&rsquo;s only when you&rsquo;re comfortable and at your best that you can make the kind of impact you, and we, live for.
 
 
 Your expertise is our capability, so we&rsquo;ll make sure it never stops growing. Whether it&rsquo;s from the complex work you do, or the people you collaborate with, you&rsquo;ll learn every day. Through world-class development, you&rsquo;ll gain invaluable technical and personal skills. Whatever your level, you&rsquo;ll learn how to lead.
 
 
 
 Connect to your next step
 
 
 
 A career at Deloitte is an opportunity to develop in any direction you choose. Join us and you&rsquo;ll experience a purpose you can believe in and an impact you can see. You&rsquo;ll be free to bring your true self to work every day. And you&rsquo;ll never stop growing, whatever your level.
</div>

Deloitte Innovation Hub I Senior Risk Officer, Cairo, Egypt

Citi

<div><h2 class="jobSectionHeader">Discover your future at Citi</h2>
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
<h2 class="jobSectionHeader">Job Overview</h2>
Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
Shape your Career with Citi
We&rsquo;re currently looking for a high caliber professional to join our team as Credit Risk Analyst &ndash; Hybrid based in Mumbai, India. Being part of our team means that we&rsquo;ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:<ul><li>
Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.</li><li>
We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That&rsquo;s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.</li><li>
We empower our employees to manage their financial well-being and help them plan for the future.</li><li>
Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.</li><li>
We have a variety of programs that help employees balance their work and life, including generous paid time off packages.</li></ul>
We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.
The Credit Risk Analyst II is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. 
In this role, you&rsquo;re expected to:
<ul><li>The primary focus of the position is data quality support of global contract negotiations and trades which includes document review, data entry, exception reporting along with document scanning and document warehousing.</li><li>
The ideal candidate must have excellent technical skills and the ability to learn and work with a very complex in-house data management system.</li><li>
The position will require gaining a detailed familiarity with Citi&rsquo;s standard forms of documentation, technology, and internal procedures.</li><li>
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:
<ul><li>0-2 years relevant experience</li><li>
Makes judgments and recommendations based on analysis and specialty area knowledge.</li><li>
Researches and interprets factual information.</li><li>
Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices.</li><li>
Exchanges information in a concise and consistent way as well as be sensitive to diverse audience</li></ul> 
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul>
Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
Take the next step in your career, apply for this role at Citi today
https://jobs.citi.com/dei
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
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.
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 Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Risk Analyst - Officer - MUMBAI

Job Title: Risk ManagerDepartment: Finance / Compliance / Project Management Reporting To: General Manager / Chief Financial OfficerJob Purpose: 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.Key Responsibilities:<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>Qualifications &amp; Skills:<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>Job Types: Full-time, Permanent

Risk Manager

PayTech Group

DIVISION: Consumer 
 REPORTS TO: Group CEO / Executive Committee
 RELEVANT EXPERIENCE: 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.
 MANDATORY REQUIREMENTS**: 
<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>
 
 PURPOSE OF THE PROJECT 
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.
 
 Key Activities 
 Core Responsibilities and Accountabilities 
<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>
 
 KPIs 
<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>
 
 Knowledge and Experience 
<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>
 
 Mandatory Skills** 
<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

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