Chief Risk Officer

• 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

Certifications such as FRM, CRM, or CFA are an advantage