Risk & Credit Manager
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Key skills for this role
Role Overview
Mobio Transfers is seeking an experienced Risk & Credit Manager to lead enterprise risk and credit frameworks within a regulated financial services environment.
The role combines credit and quantitative expertise with senior-level risk governance and regulatory experience.
Key Skills for This Role
Full Job Posting
Role Overview
Mobio Transfers is seeking an experienced Risk & Credit Manager to lead enterprise risk and credit frameworks within a regulated financial services environment.
The role combines credit and quantitative expertise with senior-level risk governance and regulatory experience.
Key Responsibilities
- Design and implement an Enterprise Risk Management framework covering credit, operational, market, liquidity, strategic, reputational, and technology risks.
- Develop and maintain credit policies covering eligibility criteria, exposure limits, pricing methodology, underwriting standards, and approval authorities.
- Design and manage credit scoring models and decision engines, including automated approvals, manual reviews, and decline criteria.
- Establish portfolio monitoring frameworks for delinquency, concentration risk, credit performance, and emerging portfolio trends.
- Conduct periodic risk assessments and establish mitigation and control plans.
- Perform stress testing and scenario analysis to assess portfolio resilience and support risk appetite decisions.
- Review new products, services, and business initiatives from a risk and control perspective.
- Work with finance teams on provisioning methodologies and credit loss calculations.
- Integrate fraud risk monitoring into the broader risk management framework.
- Monitor regulatory requirements, prudential limits, exposure limits, concentration limits, and capital adequacy requirements.
- Develop risk dashboards, management reports, and early-warning indicators for senior management.
Experience & Qualifications
- At least 10 years of experience in risk management and/or credit management within financial institutions.
- At least 5 years of experience in a senior risk or credit leadership position.
- Experience developing or implementing credit scoring models and credit decision engines for lending portfolios.
- Strong experience in credit portfolio management and portfolio-level risk oversight.
- Experience establishing risk frameworks and credit policies from inception.
- Strong knowledge of financial risk management, credit risk modelling, risk governance, and regulatory requirements.
- FRM or PRM certification is required.
- A bachelor’s degree in Finance, Economics, Risk Management, Statistics, or another relevant quantitative discipline is required.
- A master’s degree is preferred.
- CFA certification is considered an advantage.
- Fluency in Arabic and English is required.
Workplace
- The work location is in person.
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