To ensure that the Bank’s strategic vision is developed and executed with full consideration of risks involved and that those risks are managed proactively. Specifically, this includes the development of the risk management philosophy, the categorization and evaluation of the Bank’s risk profile, the implementation of processes, tools and systems to identify, assess, measure and mitigate risks.
He/she provides back up to the Chief Risk Officer.
The Jobholder shall be accountable for the following tasks and responsibilities:
Provides the vision and development of risk management function, staff and supporting tools.
Leads good governance and ongoing management of risks across the Bank’s operations. Monitors the Bank’s risk exposures. Ensures the identification and impact assessment of credit and other risks affecting the Bank’s operations (identification, monitoring, analysis, reporting, mitigation and transfer). The full scope of Department’s activities covers credit, operational, strategic and reputational, compliance and information risks, as well as financial risks (liquidity, market – FX and IR, capital adequacy).
Manages subordinate staff, assigns tasks and goals, and analyses their performance through periodic reporting.
Supports their ongoing development:
Reviews critically the loan applications presented by Credit Department for review to ensure the Bank’s credit policies are adhered to, and any exceptions are clearly justified.
Data Analysis and Reporting:
Ensures qualitative and quantitative data analysis on a portfolio level (branch / region / product / borrowers’ socio demographic profile etc.) and any others as may be assigned. Draws conclusions and recommendations from the analyzed data.
Provides input to root causes analyses of NPA by branch / region / product / borrowers class and any other parameters as may be required.
Drives the calculation of credit and operational risk charges for capital adequacy ratio (annually).
Leads the Risk Management Department monthly, quarterly and ad hoc reporting and meetings.
Maintains the risk reporting framework in an appropriate way for different audiences.
Develops the reporting framework to include any new Bank’s products and/or activities.
Development of Policies, Procedures and Supporting Tools
Plans, designs and implements comprehensive risk management framework and operating models. Ensures periodic review of the Risk Management Department policies.
Develops tools and measures to control, mitigate and transfer risks.
Drives the development of credit rating mechanism aimed to achieve better credit quality across the Bank’s products and customer segments.
Provides for the establishment and maintenance of records, including lending policies, collateral management, claims and loss experience.
Takes part in portfolio stress testing.
Takes part in business continuity planning and implementation.
Ensures maintenance of high departmental standards and providing support, education and training to staff, commonly at management level.
Other tasks and duties may be assigned if needs arise.
Industry Type :
Banking / Financial Services / Broking
Functional Area :
Accounts / Taxation / Audit / Company Secretary
Desired Candidate Profile
Education: University degree (preferably Master’s) and certificates to confirm his/her risk management skills. If no professional certificates are available, the Candidate must have relevant documented professional experience.
Experience: Minimum eight years of total experience with the most recent five years of relevant experience (in risk management, credit risk, and internal audit or internal control department of a bank).
Knowledge & Key Skills:
•Good knowledge of Da Afghanistan Bank/Central Bank of Afghanistan and Basel Committee regulations pertaining to risk management, with a strong background in credit risk.
•Experience and/or training in internal controls or risk control frameworks.
•Previous experience in managing a team and/or dealing with senior employees. Minimum three years in a managerial position.
•Demonstrated experience in working on cross-functional teams, performing activities in geographically dispersed environment, providing internal training and coaching of peers.
•Demonstrate initiative, self-confidence, excellent analytical and reporting skills.
Reporting to: Chief Risk Officer
Respected Applicants are kindly requested to submit a comprehensive cover along with a copy of their updated Curriculum vitae (CV)/Resume to firstname.lastname@example.org Please note only shortlisted candidates will be contacted for further recruitment process.