Lead the day-to-day risk management function and supervise the Risk Officer. Conduct periodic risk assessments for Head Office departments and branch operations. Identify emerging risks and evaluate their likelihood and potential impact. Maintain and update the Risk Register and Risk Control Matrix (RCM). Assist in developing Key Risk Indicators (KRIs) and monitor risk trends. Monitor and analyze portfolio quality indicators, including PAR, write-offs, recovery trends, rescheduled loans, delinquency trends, and portfolio concentrations. Perform risk reviews for new products, processes, and system changes. Analyze branch-level credit risks and identify high-risk areas. Monitor operational incidents, losses, fraud cases, near-miss events and business continuity risks. Review customer complaints, client protection issues, and social risk indicators. Monitor compliance with FRD regulations, internal policies, and procedures. Provide recommendations to management for reducing portfolio risk. Identify compliance-related risks and recommend preventive measures. Support regulatory reporting and risk-related submissions when required. Support Business Continuity Planning (BCP) and Disaster Recovery initiatives. Participate in business continuity testing exercises. Monitor risks relating to information security, data protection, and cyber threats. Coordinate risk-based assessments and support internal audit planning and audit follow-up activities. Prepare periodic risk reports, dashboards, risk heat maps, and management updates. Facilitate risk identification, root cause analysis, and corrective action planning with relevant departments. Assist the Head of Internal Control on implementation of risk mitigation plans. Track implementation of risk mitigation actions and management action plans. Prepare synopsis monthly, quarterly, and annual risk reports based the detail information from the Risk Officers. Promptly escalate significant risk issues to the Head of Internal Control. Present key findings, risk trends, and recommendations to Head of Internal Control. Assist in preparing reports for Senior Management and Board Committees. Conduct risk awareness sessions for staff. Promote risk culture across the organization. Provide guidance on risk management practices and internal controls. Support the Head of Internal Control in preparing reports and presentations for the Risk Committee. Support special investigations when assigned. Assist Assistant Risk Manager and Head of Internal Control in risk-related projects. Perform other duties assigned by management
Roles and Responsibilities Lead financial strategy, planning and forecasting, including annual budgets, financial plans and scenario analysis. Provide financial analysis, advice and recommendations to the Managing Director and management to support strategic and business decisions. Monitor the Company’s financial performance, profitability, capital, liquidity and key financial indicators, and recommend corrective actions where necessary. Manage funding, treasury, cash flow, liquidity, banking relationships and foreign currency transactions. Lead the overall Finance and Accounting function and ensure effective financial policies, procedures, internal controls and segregation of duties. Ensure timely and accurate financial, management, tax, statutory and regulatory reporting, including applicable CBM and FRD requirements. Liaise with FRD and other relevant regulatory authorities on important regulatory matters, approvals, reporting and compliance requirements. Coordinate and support FRD inspections/audits and ensure timely preparation of required documents, responses and corrective actions. Ensure accurate accounting and reconciliation of the loan portfolio and other MFI-related transactions, including provisions, write-offs and interest income. Oversee monthly, quarterly and annual financial closing and day-to-day accounting operations. Lead coordination with external auditors and ensure timely resolution of audit and control findings. Lead, manage and develop the Finance and Accounting team and ensure effective business continuity. Support the Company and Group in financial matters and perform other duties as assigned by the Managing Director.