Head of Risk, Egypt

We are seeking an experienced and highly motivated Head of Risk to oversee and manage our company's risk management activities. As a Head of Risk, you will be responsible for identifying, assessing, and mitigating risks across consumer lending products.

Responsibilities:

• Owner of centralized and standardized Risk and Business Intelligence function in field of Retail Lending (POS loans, Installment Loans) and Credit Cards.
• Development, implementation, and calibration of risk policies - provisioning methodology, credit risk, operational risk, anti-fraud, and others.
• Decision-making process management. Implementation of risk management strategies and score-models, their evaluation and monitoring.
• Ensure that risk policies, risk management and reporting processes are executed in appropriate manner.
• Credit portfolio and risk analysis, improvement recommendations and corrective actions. Credit risk review and risk assessment reports preparation.
• Regular monitoring and analysis of main risk indicators to ensure lending process is in accordance with company’s strategy.
• Create and implement the risk governance framework for operations level for each country in the region.
• Development and optimization of the automatic decision-making – credit risk, fraud prevention, collection optimization.
• Development, implementation, optimization, support and analytics of collection strategy and processes, on-boarding, and risk assessment.
• New and existing data sources management – identification, implementation, usage, monitoring and analysis: bureau, cell operators, third-parties scores etc.
• Development, implementation, and management of centralized Business Intelligence function.
• Owner of all Risk and BI related IT developments
• Hiring, training, management, and outcome verification of local talent in Risk and Business Intelligence functions.
• Budgeting, forecasting and managing Risk KPIs: NPL, LLP, AR, LGD, COR, repayment behavior vintages etc.
• Liaison with members of international teams.
• Communicate to all risk issues to the relevant stakeholders (internal and external).

Experience and required skills:

• Higher education in Mathematics, Economics, Finance, or similar area.
• Experience in Retail Banking Credit risk management, scoring models development, provisioning, portfolio management and analysis, collection strategy development.
• Ability to analyze complex information and make informed decisions.
• Excellent leadership and people management skills.
• Excellent communication, negotiation, and interpersonal skills.
• Strong knowledge of risk management frameworks, methodologies, and tools.
• Ability to work effectively in a fast-paced and dynamic environment.
• Proficient in Microsoft Office and other relevant software applications.
• Good knowledge of English.