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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

• Bachelor's Degree in Finance, Economics, Accounting, Banking, Business Administration, Statistics, or a related field.
• Professional Certifications (Preferred): CRM (Certified Risk Manager)/ CRMA (Certification in Risk Management Assurance)/ FRM (Financial Risk Manager)/ Other relevant Risk, Audit, or Banking certifications
• Minimum 6 years of relevant experience in Risk Management, Internal Audit, Compliance, Banking, or Microfinance Operations.
• Previous supervisory experience is preferred.
• Strong understanding of Microfinance operations, portfolio quality analysis, and risk management principles.
• Knowledge of FRD regulations and regulatory compliance requirements.
• Proficiency in Microsoft Excel and data analysis.
• Strong analytical, problem-solving, report writing, communication skills, and interpersonal skills.
• English Skill (Fluency in reading and writing)
• Can work under pressure

Additional information

• Good time management and attendance
• Being honest and responsible in personality
• Developing a positive work relationship.
• Travel might be required between branches/HQ