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ROLE PURPOSE  

The Risk Management Officer / Specialist supports the Bank's enterprise-wide risk management framework by converting financial and risk data into clear, practical insights for decision-making. The role identifies, measures, monitors, and reports key risks across market and liquidity, risk areas. The role ensures effective implementation of the Risk Appetite Framework, strengthens risk governance, and provides actionable insights to senior management, Risk Committees, and the Board. 

JOB RESPONSIBILITIES  

• Monitor enterprise risk exposures and the Board-approved Risk Appetite across liquidity & market risk; identify emerging trends, limit breaches, and material changes requiring attention. 

• Transform, reconcile, validate, and analyze financial and risk data from multiple sources; investigate anomalies, data gaps, and inconsistencies to ensure reliable management information. 

• Perform quantitative analysis, including trend and variance analysis, concentration analysis, sensitivity analysis, stress testing, scenario analysis, and back-testing. 

• Assess key balance-sheet and financial risk drivers, including interest rate, foreign exchange, liquidity, funding, concentration, asset quality, and profitability impacts, and translate findings into practical business implications. 

• Monitor Board-approved Risk Appetite and lead the development, maintenance, and enhancement of Key Risk Indicators (KRIs) as early warning signals for emerging risks. 

• Prepare concise, accurate, and decision-oriented reports and dashboards for senior management, Risk Committees, and the Board, with clear conclusions and realistic mitigation recommendations. 

• Work closely with business units to understand issues, resolve data concerns, and challenge assumptions constructively and professionally. 

• Apply sound practical judgment when interpreting analysis, distinguishing material risk signals from data noise and escalating issues through the appropriate channels. 

• Support risk assessments, framework and policy reviews, management or regulatory requests, ad hoc analysis, training, and other initiatives that strengthen the Bank's risk culture. 

Education & Special Training  

Essential 

• Bachelor’s degree in finance, Accounting, Economics, Statistics, Mathematics, Data Analytics, Business Administration, or a related field. 

Desirable 

• Professional certifications such as FRM, CFA, CPA or recognized data analytics qualification are highly desirable.

Experience 

• More than 2-3 years of relevant experience in banking, financial industry (or) data analysis industry. 

Knowledge & Skills  

• Strong numerical and data analysis skills, including the ability to analyse complex datasets and identify patterns, anomalies, and root causes. 
• Solid financial knowledge, including financial statements, banking products, balance-sheet drivers, and key market, liquidity, credit, and operation risk concepts. 
• Advanced Microsoft Excel skills, including formulas, lookups, PivotTables, charts, and data validation; Power Query experience is preferred. 
• Working knowledge of Power BI or a similar visualization tool; SQL, Python or other data-handling skills are an advantage. 
• Ability to convert analysis into clear risk or commercial implications and practical recommendations, using sound judgment and common sense. 
• High integrity, accountability, curiosity, adaptability, and commitment to continuous learning and improvement. 
• Practical knowledge of Myanmar's banking and financial market environment is preferred. 

Languages 

• Good interpersonal and communication skills in Myanmar and English, both verbal and written.