Chief Risk Officer Job Midrand area,Gauteng South Africa,Finance & Banking

1.
Strategy Formulation and Implementation

Lead the formulation, execution, and continuous enhancement of an enterprise-wide risk management strategy that aligns with the Bank’s strategic objectives and developmental priorities.

Define, maintain, and embed a Risk Appetite and Tolerance Framework to guide strategic and operational decision-making across the organisation.

Provide strategic risk leadership to the Executive Committee (ExCo), Board, and Board Committees to enable proactive, informed, and balanced decision-making.

Oversee a robust risk governance framework, including clear policies, procedures, delegation of authority, risk limits, and escalation protocols.

Establish and maintain early warning systems and risk triggers to detect deviations from the defined risk appetite, enabling timely intervention and mitigation.

Provide strategic oversight across all major risk types, including credit, market, liquidity, operational, reputational, country, and emerging risks.

Champion the integration of risk management practices into business processes, investment decisions, and developmental operations to strengthen both impact and financial sustainability.

Assess the financial and developmental implications of key risk exposures, recommending corrective or risk-adjusted strategies as needed.

Oversee the implementation of risk management practices that promote regulatory compliance, institutional integrity, and adherence to principles of good governance and sustainable development finance.

2.
Investment Risk Management

a)
Credit Risk & Portfolio Management

Exercise oversight over credit assessments, approval processes, and policy implementation across the investment lifecycle.

Facilitate the timely identification, measurement, and mitigation of credit risk exposures across loan and investment portfolios.

Oversee the credit and investment portfolios’ performance and risk quality, through structured monitoring, early warning indicators, stress testing and portfolio analytics to identify emerging risks, concentrations and vulnerabilities.

Lead the production and presentation of independent, forward-looking credit and investment risk insights, dashboards, and analyses to Executive Management and the Board, highlighting key trends, exposures, and portfolio risks.

Direct periodic and annual portfolio reviews, including country and sovereign exposures, incorporating updated risk ratings, macroeconomic assessments, and policy compliance evaluations.

Oversee ongoing client credit reviews, creditworthiness assessments, and Expected Credit Loss (ECL) evaluations in line with applicable accounting and regulatory standards.

b)
Country Risk Management

Provide strategic oversight of the development and continual enhancement of country risk assessment models that incorporate political, macroeconomic, and sovereign risk factors.

Oversee the establishment and maintenance of country risk ratings and exposure limits to guide prudent cross-border investment decisions.

Review and challenge country risk assessments, scenario analyses, and geopolitical monitoring to ensure responsiveness to changing operating environments.

Champion that country risk insights are appropriately integrated into credit decisions, investment strategy formulation, and overall risk appetite considerations.

c)
Credit Lab

Exercise leadership and direction in the design and continuous enhancement of credit evaluation tools and processes that underpin early-stage project screening and sound credit decision-making.

Oversee the governance and adequacy of due diligence frameworks, ensuring the incorporation of robust quantitative and qualitative risk metrics that strengthen the quality and consistency of credit submissions and approvals.

Foster a strong risk culture by championing capacity development initiatives across business units, enhancing risk awareness, and advancing sound credit structuring practices across sectors and regions.

Drive the harmonisation and alignment of credit tools, templates, and methodologies across the Bank to promote consistency, analytical rigour, and efficiency in credit assessment and portfolio management.

d)
Business Support & Recoveries

Pro…


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