Set and maintain the bank’s risk strategy, policies, and governance framework.
Ensure effective risk identification, monitoring, and reporting.
Ensure compliance with CBE risk regulations, reporting standards, and supervisory guideline.
Manage risk appetite, internal controls, and Board risk reporting.
Oversee credit, market, liquidity, and operational risk frameworks.
Lead stress testing, incident management, and business continuity oversight.
Supervise technology, cyber, data protection, and outsourcing risks in coordination with relevant teams.
Maintain risk dashboards, key metrics, and insights for senior management and Board committees.
Support new product approvals, major initiatives, and strategic decisions through risk assessment.
Embed risk culture and awareness across all departments.
Lead and develop the risk management function and ensure strong team capability.
Oversee Compliance Risk Management, including Anti-Money Laundering (AML), Counter-Financing of Terrorism (CFT), and Sanctions compliance.
Establish and manage the Model Risk Management framework, overseeing the validation and governance of all internal models used for pricing, risk aggregation, and financial decisions (especially for AI/ML models).
Ensure that product design and development incorporates Risk by Design principles from the initial concept stage.
Manage Third-Party Risk and conduct due diligence for strategic outsourcing and FinTech partnerships, aligning with CBE requirements.
Bachelor’s/Master’s degree in Finance, Economics, Risk, or related field from a reputable university.
12-15+ years of experience in enterprise risk management with banking or financial services.
Deep understanding of CBE regulatory frameworks, Basel standards, and digital banking risk requirements.
Experience managing credit, market, operational, technology, and cyber risks.
Demonstrated experience in AML/CFT compliance and governance within the Egyptian or regional financial sector.
Expertise in Model Risk Management and data governance, particularly concerning the use of AI/Machine Learning in digital lending or scoring models.
Strong experience integrating digital fraud management and authentication security into the operational risk framework.
Familiarity with regulatory reporting standards beyond Basel, such as those related to Data Protection and Consumer Protection in the digital banking context.
Strong analytical, decision-making, and stakeholder management skills.
Proven experience presenting to regulators, Board committees, and senior executives.
Certifications such as FRM, CRM, or CFA are an advantage.