Risk Manager

Beltone is a company that offers employment opportunities in various sectors, with a current focus on roles such as Call Center Specialist. The company appears to prioritize customer service and communication-based positions, suggesting an operational model centered around client interaction and support. While the exact industry and business activities are not specified, the presence of call center roles indicates potential involvement in telemarketing, customer support, or outsourced services. Beltone likely operates within a structure that emphasizes team collaboration and efficient service delivery. The company's emphasis on recruitment for such positions suggests a commitment to maintaining a skilled workforce capable of meeting client needs through effective communication and problem-solving. Without additional details, the scope of Beltone’s business remains inferred based on its current job offerings.

Job Purpose: 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. Main Responsibilities: 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. Job Requirements : 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 Show more

A Risk Manager identifies and assesses potential risks to an organization's operations, financial stability, and reputation. They develop and implement strategies to mitigate these risks while ensuring compliance with relevant regulations and internal policies.