Job SummaryThe Chief Risk Officer (CRO) is responsible for leading the Risk Management Function and establishing, maintaining, and continuously enhancing the Enterprise Risk Management Framework across the Company. The CRO provides independent oversight of the Company's risk profile and ensures that strategic, operational, regulatory, fraud, consumer protection, technology, cybersecurity, outsourcing, and business continuity risks are effectively identified, assessed, monitored, managed, reported, and escalated.Key Responsibilities1. Lead and maintain the Enterprise Risk Management Framework.2. Develop risk policies, procedures, standards and governance frameworks.3. Oversee strategic, operational, regulatory, fraud, conduct, technology and third-party risks.4. Monitor risk appetite and escalate breaches.5. Provide risk opinions on new products, partnerships and strategic initiatives.6. Oversee consumer protection and conduct risk management activities.7. Monitor fraud trends and significant incidents.8. Maintain oversight of cybersecurity, technology and information security risks.9. Oversee outsourcing and third-party risk assessments.10. Oversee business continuity, disaster recovery and operational resilience risks.11. Present risk reports to Executive Management and the Board.12. Coordinate with the Group Risk Function and regulators.Key Performance Indicators (KPIs)Effectiveness of Enterprise Risk Management FrameworkCompliance with Risk Appetite thresholdsTimeliness and quality of Board reportingClosure rate of high-risk findingsRegulatory examination outcomesEffectiveness of consumer protection oversightKnowledge, Skills & AbilitiesEnterprise Risk ManagementRisk GovernanceStrategic Risk ManagementOperational Risk ManagementConsumer Protection and Conduct RiskFraud Risk ManagementCybersecurity and Technology Risk OversightBoard and Regulatory ReportingRequired EducationBachelor's Degree from an accredited university.Professional CertificationsOne or more of the following certifications is highly desirable:FRM (Financial Risk Manager), PRM (Professional Risk Manager), CRM (Certified Risk Manager), ISO 31000 Risk Management, ISO 22301 Business ContinuityRequired ExperienceMinimum 5 years of relevant experience in a senior risk leadership role within financial services, banking, fintech, or payment services.