Head of Risk at iRecharge Tech-Innovations

Responsibilities:

• Develop and oversee the bank’s risk appetite framework, defining risk limits and key indicators in alignment with strategic objectives and regulatory expectations.
• Lead the end-to-end credit risk and collateral management framework, ensuring strong portfolio quality and compliance with regulatory guidelines.
• Design and implement robust fraud risk management systems to detect, investigate, and mitigate fraud across all digital channels.
• Oversee IT and cybersecurity risk frameworks, ensuring data protection, system resilience, and compliance with regulatory standards.
• Identify, assess, and mitigate operational and regulatory risks while maintaining effective risk registers and control frameworks.
• Monitor liquidity and market risk exposures, ensuring compliance with regulatory requirements and effective asset liability management.
• Deliver comprehensive risk reporting to senior management and the Board while embedding a strong risk culture across the organisation.
• Lead and develop the risk team, ensuring continuous capability building and alignment with evolving industry and regulatory standards.

Requirements:

• Bachelor’s degree in Finance, Accounting, Economics, Engineering, or a related field, with an MBA or Master’s in Risk Management strongly preferred.
• Minimum of 5–7 years’ experience in risk management or credit analysis within banking or fintech, including at least 4 years in a senior leadership role.
• Demonstrated expertise across credit risk, collateral management, fraud risk, IT and cybersecurity risk, and risk appetite development.
• Deep understanding of CBN security policies, prudential guidelines, and regulatory expectations for digital banks.
• Proven experience in designing and implementing enterprise risk management frameworks, including risk registers and enterprise-wide risk assessments.
• Strong track record in managing regulatory relationships (CBN, NDIC) and leading risk transformation initiatives.
• Proficiency in risk management systems, fraud detection tools, data analytics platforms, and business continuity and resilience frameworks, with high ethical standards and strong professional integrity.