- Manage the company’s overall risk management activities by developing, implementing, and maintaining effective risk management frameworks, policies, processes, and controls and identifying, assessing, monitoring, and mitigating financial and non-financial risks while ensuring alignment with the company’s risk appetite, strategic objectives, and regulatory requirements.
- Monitor portfolio performance and identify key risk trends and emerging risks to ensure timely identification and mitigation of potential portfolio deterioration.
- Develop, review, and enhance credit policies and lending criteria to ensure effective credit decision making and alignment with the company’s risk appetite.
- Segment and analyze the portfolio by product, customer segment, geography, vintage, and risk profile to identify risk concentrations and portfolio performance trends.
- Develop and monitor risk appetite, portfolio limits, and Key Risk Indicators (KRIs) to ensure portfolio exposures remain within approved risk parameters.
- Analyze portfolio quality, including PAR, NPLs, roll rates, vintage analysis, and migration trends to assess portfolio health and identify areas requiring corrective action.
- Design and enhance credit strategies based on portfolio performance and observed risk trends to support sustainable portfolio growth while maintaining acceptable risk levels.
- Review and optimize credit scoring and decisioning strategies to improve credit assessment accuracy and ensure consistent risk-based lending decisions.
- Develop risk-based pricing strategies and assess the impact of policy changes on portfolio performance and profitability to balance risk exposure with business growth and financial returns.
- Develop early warning indicators and proactive portfolio management actions to identify potential deterioration at an early stage and minimize credit losses.
- Collaborate closely with Business, Product, Collections, Finance, and Data/Analytics teams to ensure effective risk management and sustainable portfolio growth.
- Conduct portfolio stress testing and scenario analysis to assess potential credit risk impacts under adverse economic and business conditions.
- Provide senior management and relevant committees with regular portfolio risk insights and recommendations to support informed decision-making and effective portfolio risk management.
- Bachelor’s degree in finance, Business, Risk Management, or a related field
- Master’s degree in finance, Risk Management, Business Administration, or a related field is preferred.
- Minimum of 7 years of progressive risk management experience, preferably within the financial services or consumer finance industry
- Extensive experience in portfolio performance monitoring, segmentation, and risk trend analysis, to ensure effective identification of portfolio deterioration and emerging risk
- In-depth knowledge of Egyptian regulatory requirements (FRA, CBE), EAS, IFRS, and global risk frameworks (e.g., COSO, Basel)
- Strategic risk management and analytical thinking
- Leadership, team building, and communication skills
- Strong financial analysis and risk modeling capabilities
- Crisis management and business continuity planning
- Problem-solving and decision-making under pressure
- Problem-solving and decision-making under pressure.
- Certified Risk Management Professional (CRMP), Financial Risk Manager (FRM), or equivalent preferred
- Enterprise Risk Management and Regulatory Compliance training
Beltone Holding is a leading pan-African group headquartered in Egypt, with operations spanning eight countries across North and Sub-Saharan Africa. Empowering growth across every market it serves, Beltone offers a diversified and integrated platform of businesses including leasing and factoring, mortgage finance, consumer finance, MSMEs, microfinance, asset management, securities brokerage, investment banking, private equity, venture capital, data science and AI solutions, as well as HR consultancy, recruitment, talent management, and tailored learning and development programs. Through its digital-led platform, the group provides savings services, and mobile payment solutions, reinforcing its commitment to financial inclusion and sustainable growth across the African continent.
Skills Required
- Bachelor's degree in finance, business, risk management, or a related field
- Master's degree in finance, risk management, business administration, or a related field
- Minimum of 7 years of progressive risk management experience, preferably in financial services or consumer finance
- Experience in portfolio performance monitoring, segmentation, and risk trend analysis
- Knowledge of Egyptian regulatory requirements, including FRA and CBE, EAS, IFRS, COSO, and Basel frameworks
- Strategic risk management and analytical thinking
- Leadership, team building, and communication skills
- Strong financial analysis and risk modeling capabilities
- Crisis management and business continuity planning experience
- Problem-solving and decision-making under pressure
- Certified Risk Management Professional, Financial Risk Manager, or equivalent certification
- Enterprise Risk Management and Regulatory Compliance training
What We Do
Beltone Holding is an Egypt-headquartered pan-African financial group operating across eight countries in North and Sub-Saharan Africa. It offers an integrated range of services spanning leasing and factoring, mortgage and consumer finance, microfinance, asset management, brokerage, investment banking, private equity and venture capital. The group also provides data science and AI, HR consulting and talent services, plus digital savings and mobile-payment solutions intended to advance financial inclusion and sustainable growth.
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