CREDIT AND RISK MANAGER

Risk Management Strategy: • Develop and implement a robust risk management strategy, policies, and procedures aligned with the company's objectives and regulatory requirements. • Identify, assess, and prioritize key risks, including credit risk, operational risk, liquidity risk, and regulatory risk. • Design and maintain risk assessment tools and methodologies to evaluate and monitor risks on an ongoing basis. 2.Risk Mitigation and Controls: • Develop and implement risk mitigation strategies and action plans to minimize potential losses and maximize opportunities. • Establish and maintain effective internal controls, ensuring compliance with regulatory frameworks and industry best practices. • Monitor and enforce adherence to risk limits, policies, and procedures across the organization. 3.Credit Risk Management: • Oversee the credit risk management function, including loan portfolio analysis, credit underwriting, and collection strategies. • Develop and monitor credit risk models, ensuring accurate risk assessment and timely identification of potential defaults. • Collaborate with the lending team to establish appropriate credit risk policies, procedures, and guidelines. 4.Compliance and Regulatory Oversight: • Stay abreast of regulatory developments and ensure compliance with applicable laws, regulations, and reporting requirements. • Develop and maintain strong relationships with regulatory authorities and manage regulatory audits and examinations. • Advise the executive team and relevant stakeholders on regulatory changes and their potential impact on the organization. 5.Risk Reporting and Analysis: • Prepare and present comprehensive risk reports to senior management and the board of directors, highlighting key risk areas and trends. • Analyze risk data and provide actionable insights to support decision-making and risk mitigation strategies. • Monitor key risk indicators and provide early warning signals to proactively address emerging risks. 6.Team Leadership and Development: • Lead and mentor a team of risk professionals, providing guidance, support, and ongoing training. • Set performance goals, conduct performance evaluations, and promote a culture of continuous improvement. • Foster cross-functional collaboration and promote risk awareness and a strong risk culture across the organization. Requirements • practical experience of not less than 7 years in the fields of banking and/or Financing companies/activities in functions of finance • previously held a supervisory position in a financial institution or company • good conduct and of good reputation • must not have previously been sentenced to a felony or a freedom-restricting penalty for a crime. • must have a higher qualification from one of the Egyptian colleges or from a foreign university. • not assume executive duties in any other entity after join company