Chief Risk Officer

Key Responsibilities:

Develop and implement the company's risk management strategy, policies, frameworks, and procedures.

Identify, assess, monitor, and report on credit, operational, liquidity, fraud, market, and reputational risks.

Establish appropriate risk appetite, limits, indicators, and escalation procedures in collaboration with management and the Board.

Monitor the quality of the loan portfolio, including portfolio-at-risk (PAR), non-performing loans, defaults, and recovery performance.

Review credit policies, lending criteria, underwriting processes, and loan approval controls.

Conduct regular risk assessments and recommend measures to minimize potential losses.

Ensure risk management practices comply with applicable Bank of Ghana requirements and other relevant laws and regulations.

Develop early-warning systems to identify deteriorating loan performance and emerging financial or operational threats.

Work with Credit, Finance, Internal Audit, and Compliance teams to strengthen internal controls and risk oversight.

Investigate significant risk incidents, suspected fraud, and control weaknesses, and recommend corrective action.

Prepare risk reports for senior management and the Board, highlighting exposures, trends, and mitigation strategies.

Promote a strong risk-aware culture throughout the organization.

Lead and develop the risk management team.

Qualifications and Requirements:

Bachelor's degree in Risk Management, Finance, Economics, Accounting, Banking, Business Administration, or a related field.

A master's degree or professional certification in risk management, finance, accounting, or a related discipline is an advantage.

At least 3–5 years of relevant experience in risk management, credit risk, banking, or financial services, including leadership experience.

Demonstrated understanding of microfinance lending, credit assessment, loan portfolio monitoring, and recovery processes.

Strong knowledge of risk management frameworks, internal controls, and applicable financial-sector regulations.

Experience developing risk policies, monitoring risk indicators, and presenting reports to senior management or a Board.

Strong analytical, strategic thinking, leadership, and decision-making skills.

High ethical standards, sound judgment, and the ability to challenge decisions professionally.

Key Performance Indicators (KPIs):

Reduction in portfolio-at-risk and loan default rates.

Effectiveness of risk mitigation measures.

Compliance with regulatory requirements and internal risk policies.

Timeliness and accuracy of risk reporting.

Reduction in fraud incidents and control weaknesses.

Location: Ghana

Salary: Very Competitive

Requirements

Jobberman Third Party is a recruitment and talent acquisition account that connects qualified professionals with career opportunities on behalf of a wide range of employers across Ghana.

Through this account, we advertise verified job opportunities for organizations across various industries and job functions, helping employers find the right talent while making it easier for job seekers to discover quality employment opportunities.

Our focus is to deliver a professional, transparent, and efficient recruitment experience by matching candidates with roles that align with their skills, qualifications, and career aspirations.

Whether you are starting your career or seeking your next opportunity, Jobberman Ghana Third Party provides access to diverse roles with reputable employers through a trusted recruitment process.

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