As the

Head of Enterprise Risk, UAE , you will play a critical role in shaping and overseeing the risk management strategy for one of the region's fastest-growing BNPL fintechs. You will lead the enterprise-wide risk function, ensuring a proactive approach to risk identification, mitigation, and compliance across all business operations. This role requires a seasoned risk professional with deep expertise in

credit risk, fraud risk, operational risk, and regulatory compliance

within fintech or financial services. If you have a track record of driving risk governance in a fast-paced, dynamic environment, this role is for you.
Responsibilities

Risk Strategy & Framework:

Develop, implement, and maintain a robust enterprise risk management framework, ensuring alignment with

local UAE regulations (including the Central Bank of the UAE - CBUAE)

and industry best practices.
Regulatory Compliance:

Stay up to date with regulatory requirements and guidelines impacting fintechs in the UAE, ensuring compliance with all risk-related mandates.
Credit & Fraud Risk Management:

Oversee

credit risk policies, fraud detection frameworks, and mitigation strategies

to minimize losses while supporting business growth.
Operational & Enterprise Risk:

Identify, assess, and mitigate risks across technology, product, operations, liquidity, and other key business areas.
Data-Driven Decision Making:

Utilize analytics and risk modeling to monitor key risk indicators, trends, and mitigation strategies, ensuring data-driven risk management practices.
Incident Response & Crisis Management:

Lead incident response efforts, ensuring timely resolution of risk-related issues and continuous process improvements.
Cross-functional Collaboration:

Work closely with product, engineering, compliance, finance, and operations teams to embed risk-conscious decision-making across the organization.
Stakeholder Reporting:

Prepare and present risk reports to senior management and board committees, outlining key risk metrics, emerging threats, and strategic recommendations.
Audit & Regulatory Engagement:

Coordinate internal and external audits, regulatory inspections, and risk assessments, supporting compliance initiatives with relevant authorities.
Risk Awareness & Training:

Promote a strong risk culture within the organization through employee training, workshops, and awareness programs.
Process Optimization:

Continuously enhance risk management frameworks using advanced risk assessment tools, automation, and best practices.
Minimum Requirements

Education:

Bachelor’s degree in

Finance, Business Administration, Risk Management, or a related field. Advanced certifications such as

FRM, PRM, CFA, or CAMS

would be an advantage.
Experience:

Minimum

8-12 years of experience

in risk management roles within

financial services, fintech, or banking , with expertise in

credit risk, fraud risk, and operational risk.
UAE Regulatory Knowledge:

Strong understanding of UAE’s regulatory landscape, particularly

CBUAE regulations, risk governance frameworks, and compliance requirements.
Analytical & Strategic Thinking:

Ability to assess complex risks, design mitigation strategies, and leverage data analytics for decision-making.
Cross-functional Collaboration:

Proven experience working with

engineering, product, compliance, and operations teams

to drive risk-conscious business decisions.
Leadership & Stakeholder Management:

Strong ability to influence and engage with

C-suite executives, regulators, and external partners.
Communication Skills:

Excellent verbal and written communication skills, with experience in preparing reports and presenting risk strategies to senior leadership.
Tech & Data Savvy:

Familiarity with

risk analytics tools, AI-driven fraud detection systems, and digital risk management technologies

is a plus.
High Growth & Fast-Paced Experience:

Experience working in a

scale-up or high-growth fintech environment

is highly desirable.

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