Risk Manager
Descrição da Vaga
We are seeking a dynamic and analytical Risk Manager to join our innovative digital banking team in Maputo. In this pivotal role, you will be responsible for developing, implementing, and overseeing the integrated risk management framework for our digital-first financial institution. Your focus will be on proactively identifying, assessing, and mitigating operational, financial, credit, and technology-related risks inherent in a digital ecosystem. You will ensure that our rapid growth and innovative product offerings align with the regulatory requirements of the Bank of Mozambique and international best practices, safeguarding the institution’s assets and reputation.
Responsabilidades
- Develop & Implement Risk Frameworks: Design, implement, and maintain a comprehensive risk management framework tailored to a digital banking environment, encompassing operational, credit, market, liquidity, and especially technology & cyber risks
- Digital Risk Oversight: Conduct continuous risk assessments of digital channels, new product launches (e.g., mobile wallets, instant loans, digital payments), third-party vendor integrations, and IT systems to identify vulnerabilities and ensure robust controls
- Credit Risk Strategy for Digital Lending: Develop and refine data-driven credit risk models and policies for automated scoring and digital lending products, ensuring portfolio quality in a paperless environment
- Regulatory Compliance & Reporting: Ensure full adherence to all Bank of Mozambique regulations (including Basel standards) and local banking laws. Prepare and submit accurate risk reports to management and regulatory bodies
- Fraud Risk Management: Lead efforts to detect, prevent, and respond to digital fraud scenarios (e.g., identity theft, transaction fraud, cyber-attacks) by implementing advanced monitoring tools and strategies.
Qualificações
- Minimum of 5 years of experience in the banking sector
- Mandatory Experience in Banking or Microbanking
Habilidades e Experiência
- Proficiency in operational, financial and credit risk management
- Knowledge of Bank of Mozambique regulations
- Decision-making
- Analytical capability
- Attention to detail
- Critical thinking
- Integrity.
HOW TO APPLY
To apply, access the following:
