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Key Responsibilities
Risk Leadership
• Lead the development and implementation of the Country Risk Management Framework, policies, and procedures aligned to ASA Group standards
• Act as trusted risk advisor to the Country CEO and Management Team, providing independent risk insight and challenge
• Embed a strong risk culture across the organization, ensuring ownership of risks by business and functional teams
Risk Oversight & Governance
• Chair or actively participate in local risk committees, ensuring escalation of material risks to Group level
• Conduct regular risk assessments, stress testing, and scenario planning, translating findings into actionable mitigation plans
• Monitor key risk indicators (KRIs) and emerging risks, providing timely reports to Country and Group stakeholders
Operational & Credit Risk
• Oversee credit risk management processes, including portfolio quality reviews, early warning mechanisms, and collections oversight
• Ensure effective controls are in place to mitigate operational risks, including fraud, process failures, and external threats
Regulatory & Compliance Coordination
• Collaborate closely with Group Compliance to ensure adherence to regulatory requirements and ethical standards
• Support regulatory inspections, audits, and inquiries, ensuring prompt resolution of identified gaps
Crisis & Incident Management
• Lead the country-level response to significant risk events or crises, coordinating with Group functions as needed
• Maintain robust business continuity and disaster recovery plans
Capacity Building
• Develop risk management capabilities within the country team through training, coaching, and knowledge sharing. Be key to building the culture to support the risk objectives.
• Drive continuous improvement of risk processes, leveraging data, technology, and best practices