Enterprise Risk Manager

Job Summary

Responsible for designing, implementing, and overseeing the Enterprise Risk Management (ERM) framework across Credit Direct. The role ensures that all material risks (credit, operational, market, compliance, strategic, technology, and reputational risks) are identified, assessed, monitored, and managed in line with the organization’s risk appetite, regulatory requirements, and strategic objectives.

Job Details

Enterprise Risk Management Framework;

Develop, implement, and continuously enhance the Enterprise Risk Management (ERM) framework across the organization.
Define and maintain the organization’s risk taxonomy, risk appetite statements, and risk governance structures.
Ensure alignment between enterprise risk strategy, business strategy, and regulatory expectations.
Lead the identification, assessment, prioritization, and mitigation of enterprise-wide risks.
Embed risk management practices into business planning, decision-making, and execution processes.
Serve as a key advisor to Executive Management and the Board on enterprise risk matters.

Risk Assessment and Monitoring:

Oversee periodic enterprise risk assessments (ERAs) covering credit, operational, market, compliance, technology, and strategic risks.
Ensure effective implementation of risk and control self-assessments (RCSAs) across functions.
Monitor key risk indicators (KRIs) and emerging risk trends, escalating material issues proactively.
Review risk reports developed by risk teams, provide insights, and recommend mitigation strategies to Management.
Implement tools and systems for enterprise risk monitoring, reporting, and analytics.
Ensure compliance with regulatory guidelines, industry standards, and internal risk policies
Coordinate internal and external audits related to risk management and follow through on remediation actions

Portfolio, Operational & Strategic Risk Oversight:

Oversee enterprise-wide risk exposure across portfolios, products, and business lines.
Assess the impact of macroeconomic trends, regulatory changes, and competitive dynamics on overall risk posture.
Collaborate with business units during new product development, digital initiatives, and major transformations to assess risk implications.
Ensure risk considerations are embedded in strategic initiatives, investments, and partnerships.
Develop and maintain enterprise stress testing and scenario analysis frameworks.

Risk Governance & Reporting:

Prepare and present comprehensive enterprise risk reports to the CRO, Executive Management, and Board Committees.
Support Management and Board Risk Committee meetings with accurate, timely, and decision-oriented risk insights.
Ensure clear communication of risk exposures, risk appetite breaches, and mitigation plans across the organization.
Drive a culture of transparency, accountability, and proactive risk ownership

People & Risk Culture Management:

Lead and manage enterprise risk teams, providing strategic direction, coaching, and performance oversight.
Foster a strong risk-aware culture where employees understand their risk responsibilities.
Build risk capability across the organization through training, awareness sessions, and leadership engagement.
Ensure the ERM function has the right talent, tools, and processes to deliver effectively.

Requirements

Bachelor’s degree in Finance, Business Administration, Risk Management or a related field
Relevant postgraduate/master’s degree or professional certifications such as CFA, ACA, ACCA, ICM, FRM, or PRM preferred.

Experience:

Minimum of 8 - 10 years of experience in retail credit risk management within the financial services industry, with at least 5 years in a leadership/supervisory role.
Proven track record of managing credit risk in a retail lending environment

Technical:

Strong understanding of Enterprise Risk Management frameworks (COSO, ISO 31000).
Broad knowledge of credit, operational, market, compliance, and strategic risk management.
Ability to interpret macroeconomic trends and translate them into enterprise risk insights.
Strong data analysis, reporting, and risk dashboard capabilities.
In-depth knowledge of financial services regulations and risk governance expectations.
Experience with stress testing, scenario analysis, and emerging risk assessment.
Strong report writing and presentation skills for executive and board-level audiences.
Ability to leverage technology, analytics, and AI tools for enterprise risk monitoring.

Behavioural:

Strong leadership and people management skills with the ability to build, mentor, and retain high-performing teams
High level of integrity, objectivity, and sound judgement in credit decision-making
Strategic thinking with the ability to balance business growth objectives and risk appetite
Excellent stakeholder management and communication skills across business, risk, and external partners
Proactive and solution-oriented mindset with strong problem-solving capabilities
Strong attention to detail while maintaining a big-picture perspective
Resilience and adaptability in a fast-paced, high-risk, and evolving business environment
Accountability and ownership for outcomes, decisions, and team performance

Benefits

At Credit Direct Finance Company Limited, we value our employees and strive to provide a comprehensive benefits package that recognizes their contributions and supports their well-being. As part of our commitment to a positive work environment, we offer the following benefits:

Competitive Salary: We offer a competitive salary structure that is commensurate with industry standards and recognizes the skills and experience of our employees.

Quarterly Performance Pay: We recognize and reward exceptional performance. Our quarterly performance pay program allows employees to earn additional compensation based on their individual and team achievements.

Transport Subsidy: We understand the importance of accessible transportation for our employees. To assist with commuting expenses, we provide a transport subsidy to help alleviate the financial burden associated with travel to and from work.

Staff Bus: We offer a convenient and reliable staff bus service for eligible employees, ensuring a comfortable and stress-free commute to the workplace.

Hybrid Work: We believe in providing flexibility and work-life balance. Our hybrid work policy allows eligible employees to work remotely for a certain number of days per week, promoting a healthy work-life integration.

13th Month Salary: As an additional financial benefit, we provide a 13th-month salary to our employees. This extra payment, usually received at the end of the year, serves as a bonus and acknowledges their dedication and commitment throughout the year.

Leave Allowance: We recognize the importance of taking time off for rest and relaxation. In addition to annual leave entitlement, we provide a leave allowance to eligible employees, offering financial support during their vacation time.

Profit Sharing: We believe in sharing our success with our employees. Through our profit-sharing program, eligible employees have the opportunity to receive a share of the company's profits, providing an additional incentive for their dedication and hard work.

These benefits are designed to support our employees' financial well-being, work-life balance, and professional growth. We continuously review and enhance our benefits package to ensure that it remains competitive and aligned with the needs and preferences of our valued employees.

About Company

Credit Direct Finance Company Limited

https://creditdirect.seamlesshiring.com

Credit Direct is the Fintech arm of the FCMB Group.