Chief Risk Officer.Egypt- Risk Head.Risk Management

Manage the overall risk management functions of the bank addressing retail, market, operational, wholesale, legal and reputation risks. Devise and implement a risk management structure, compliant with central bank regulations, Mashreq requirements and international best practice.Wholesale Risk:Quality of Assigned Loan Portfolio, as measured by % of classified outstanding and hence loan loss provision, volume of assigned portfolio.Implementation of appropriate risk reporting to the CEO, Executive Committee, Board and senior management.Early detection of warning signals to ensure timely correction action, and hence minimize loan losses.Develop, document and review deals, structures, credit products / service and provide business solutions which meet business and customer requirements within credit and operational risk guidelines and policies.Be vigilant about changing credit risk environment / profiles of countries / regions in general and customers / relationships in particular by developing, setting up and ensuring ongoing and periodic monitoring and reviews.Developing and spreading a credit culture throughout the Banks RMs.Provide expertise and solutions to RMs and ARMs in developing deal / transaction structures, and advising on handling problem accounts.Review credit policies and procedures on a periodical basis, and recommend changes where appropriate.Retail Risk:Fraud prevention: to ensure that fraudulent applications are detected and dealt with as per fraud guidelines. This involves understanding of documentation, verification controls and gaps in the processTo effectively manage and control the team of collection Managers/ collectors/ team leaders & credit supervisors/ Evaluator to ensure delivery of Quality service to internal customers, by implementation and adherence to the committed turnaround time without compromising policy and control framework.Manage Retail Risk for the bank including recommendations / updating of RC policy.To manage end to end credit initiation & collections for all RBG assets product.To implement processes and control mechanism for RBG lending products that revolve around performance, reduction of error rates and better quality credit decisions.Effectively Manage the bank portfolio of non-performing Retail borrowers.Operational Risk:Primary responsibility to monitor and measure OR and support identification and control of OR for the groupDefine policies regarding management responsibilities, control standard and accountabilities that ensure the stability and surety of all transaction processingFacilitate branch wide risk assessments and monitor priority risks accordingly.Market Risk:Establish the market risk function for the bank in line with HO (including Defining the middle and Back office functions to differentiate from Market Risk). Staff and make the roles operational.Establish market risk measurement systems, in line with HO.University Graduate with Masters Qualifications.Professional qualification in business / commerce / economics / law.High degree of credit skills (credit, analytical, judgmental) and geographic locationsExcellent written / verbal communication skills.Minimum 10-15 years of experience of credit at similar level in banking across 3 geographies.Sound knowledge of local banking law / practice and products / services, especially in the area of international payment, trade finance & treasury. Knowledge of trade finance with reference to documentation and structuring.Expert level quantitative and financial techniques / skills; effective negotiation; and excellent command over verbal and written English, Arabic language skill will be an added advantage.Team player and participation experience in variety of banking initiatives and solutions.Proven decision making track record under pressing conditions.