وصف الوظيفة
Role Overview
GRC Lead – Digital Financial Services at Elate. This role leads governance, risk and compliance readiness of the FinTech portfolio, including digital credit, payments, remittances, wallet and future financial-services initiatives.
Role Purpose
Establish and oversee end-to-end credit-risk governance for lending products, alongside practical enterprise risk, compliance, fraud and regulatory controls across the wider portfolio. Act as the central GRC point of contact across Product, Technology, Finance, Legal, AML/CFT, Fraud, Operations and external partners.
Key Responsibilities
Credit Risk Governance
- Lead end-to-end credit-risk governance for lending products, including credit policy, underwriting and decision rules, affordability, exposure and stacking controls, exceptions, collections-risk oversight and portfolio performance management.
- Establish risk appetite, credit limits, escalation triggers, exception governance and management reporting for lending products.
- Monitor portfolio quality, approval rates, delinquency, roll rates, NPLs, losses, recoveries, vintage performance and early-warning indicators; recommend and drive corrective actions.
Compliance & Risk Frameworks
- Develop and maintain risk, compliance and governance frameworks, policies, procedures and control standards across FinTech initiatives.
- Lead compliance-risk assessments for new products, partnerships, customer journeys, marketing communications and operating processes.
- Establish fraud-control, transaction-monitoring, incident-management and escalation requirements in coordination with relevant shared-service teams.
- Strong experience in regulatory compliance, risk frameworks, policy development, control design, risk registers and management reporting.
Product & Systems Integration
- Work with Product and Technology teams to embed credit-risk, fraud, compliance, consent and regulatory controls into customer and merchant journeys.
Regulatory & Audit
- Coordinate regulatory readiness, licensing submissions, policy packs, regulatory reporting, audit trails, inspections and supervisory responses.
- Experience supporting licensing applications, regulatory submissions, inspections, audits or supervisory engagement.
Governance & Reporting
- Define governance forums, approval authorities, risk reporting and committee packs for senior management.
- Maintain risk registers, control gaps, policy exceptions, incidents, audit findings and remediation plans; drive closure with accountable owners.
Awareness & Training
- Build practical procedures and awareness sessions for Product, Operations, Customer Care and relevant business teams.
Additional Duties
- Perform any additional project, task or activities assigned or delegated by the Line Manager.
Qualifications & Experience
- Bachelor's degree in Finance, Accounting, Business Administration, Law, Economics or a related field.
- Postgraduate qualification (e.g. MBA, Master's in Risk or Finance) is an advantage but not essential.
- 8–12 years' experience in credit risk, lending risk, risk governance or regulatory roles within FinTech, banking, consumer finance, payments or another regulated financial-services business.
- Strong hands-on experience in digital credit or lending risk, including underwriting, affordability, exposure management, portfolio monitoring, delinquency management, collections oversight and loss-performance analysis.
Skills & Competencies
- Working knowledge of AML/CFT, sanctions, e-KYC, fraud-risk management, transaction monitoring and consumer-protection requirements.
- CAMS, FRM, CRCM or equivalent risk/compliance certification (Good to have).
الراتبغير مُفصح عنه من صاحب العمل
آخر موعد—