Job Summary

Drive Marketing governance by providing guidance and support to all Marketing teams

  • Minimum Qualification: HND
  • Experience Level: Mid level
  • Experience Length: 5 years

Job Description

Key Responsibilities

  • Develop the Enterprise Risk Management Policy for the bank
  • Proactively Guide the integration of enterprise risk management with other organizational planning and management activities.
  • Identify training needs for risk management and oversee development of enterprise risk competence and awareness across the bank
  • Evaluate the adequacy of the company’s internal control framework in addressing risks and accomplishing the company’s goals and objectives;
  • Work with Board Audit, Risk and Compliance committee in ensuring the identification and prioritization of risks and reporting of the same
  • Monitor and report on compliance with regulatory requirements.
  • Proactively identify emerging risks and report to relevant stakeholders.
  • Develop risk management system and train departmental risk champions on implementation
  • Management for integrity of General ledger Credit Risk
  • Analyze, on a Monthly and quarterly basis, quality of loan portfolio depending on:
  • Type of Business Activity
  • Nature /Value of Collaterals, etc.
  • Perform regular analysis and monitoring of credit risk and exposure and likely impact on:
  • Quality of the loan portfolio
  • Business sector analysis
  • Market trends
  • Perform periodic market survey to identify sector base risks in our target market.
  • Follow-up and advise management regularly on the performance of exceptional loan files:
  • Restructured Loans.
  • Top-up Loans.
  • Regular follow-up of bad debt management by the Recovery Unit and make recommendation
  • Research and advice management on exceptional cases (potential high risk).
  • Operational Risk:
  • Identify and liaise with department and unit heads in identifying major risk areas and propose actions in the management of such
  • Monitor implementation of action plans to ensure risk mitigation efforts are followed as required.
  • “Test” the effectiveness of cascading risk management approach to business decision making
  • Fraud Analysis, Prevention & Control:
  • Develop proactive, independent, balanced fraud risk awareness within the bank
  • Exercise direct ownership for Fraud Risk Management control across the Bank.
  • Ensure compliance on all fraud risk reporting requirements both internal and external.
  • Develop Standards for Fraud Risk Management.
  • Ensure that Fraud Risk achieves an optimal balance with regard to cost, efficiency, operations and
  • Customer service.
  • Update all Risk reporting tools to the M.D on a monthly basis
  • Develop new reporting tools in line with business need.


Requirements:

  • Minimum of a First Degree in Social Sciences, Humanities. Familiarity with operational, Financial and Risk and Compliance procedures is required. 
  • Minimum of five years (5) relevant experience in microfinance of which four should be in a managerial capacity. Good understanding of the Risk function in a Bank is also required.

Skills:

  • Good interpersonal and communication skills. Good analytical and mentoring skills.
  • Meticulous, rigorous, open-minded, ability to work without supervision

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