Head of Risk Management

A dynamic team is expanding and looking for the right talent.  Location: Egbeda, Lagos Sector: Tier 1 Microfinance Bank Our client, a Tier 1 Microfinance Bank, is seeking an experienced and strategic Head of Risk Management to lead its enterprise-wide risk function and support sustainable growth in a highly regulated environment. This role is ideal for a seasoned banking professional with strong regulatory insight, leadership maturity, and deep expertise in credit, liquidity, and enterprise risk management.  Key Responsibilities -  Develop, implement, and sustain the Enterprise Risk Management (ERM) Framework -  Define and operationalize the Board-approved Risk Appetite Statement -  Oversee credit policy, underwriting standards, and portfolio concentration limits -  Monitor credit exposures, delinquency trends, and portfolio performance -  Support ALCO through liquidity risk management, stress testing, and scenario analysis -  Serve as primary liaison for CBN risk examinations and regulatory compliance -  Advise Executive Management and the Board on risk implications of strategic decisions -  Drive a strong risk-aware culture through training and continuous engagement  What We’re Looking For -  Bachelor’s degree in Finance, Accounting, Economics, or related field -  Master’s degree / MBA is an added advantage -  Professional certifications (CRMA, FRM, PRM, ERM, ICAN, ACCA, CIBN) are highly desirable -  8–10 years’ banking experience, with at least 5 years in a senior risk leadership role -  Strong knowledge of CBN regulations, IFRS 9, Basel II/III, and AML/CFT frameworks -  Proven ability to manage multi-dimensional risk portfolios and lead cross-functional teams Success Will Be Measured By -  NPL ratio maintained within regulatory limits (≤5%) -  Strong Capital Adequacy and regulatory compliance -  Timely submission of all risk and regulatory returns -  Positive audit and regulatory ratings with no major risk findings