Job Description

Role Overview:

The Chief Risk Officer (CRO) is responsible for leading Joud's enterprise risk management function, ensuring that all operational, credit, regulatory, and strategic risks are proactively identified, assessed, and mitigated. As a BNPL (Buy Now, Pay Later) fintech operating under QCB's regulatory framework, Joud requires a CRO who can implement rigorous controls, particularly around consumer credit risk, fraud detection, regulatory risk, and data protection. This role is critical to building a trustworthy, secure, and scalable platform as Joud expands across Qatar and the wider MENA region.

Key Responsibilities:

Design and implement an enterprise-wide risk management framework that aligns with QCB guidelines, fintech standards, and Joud's business strategy. Develop credit risk policies, including automated credit scoring models, customer segmentation, payment behavior analysis, and merchant risk onboarding frameworks. Oversee the creation of internal risk controls for operational, IT, and cyber risk, ensuring protection against system failures, data breaches, and downtime. Lead the company's fraud prevention and detection efforts, collaborating with data and compliance teams to monitor and investigate suspicious behavior. Monitor macroeconomic, regulatory, and industry risks that could impact Joud's BNPL product offerings and market stability. Conduct periodic risk assessments across all departments and functions and lead company-wide risk workshops or simulations. Ensure compliance with QCB's overall regulations, reporting obligations, and ongoing regulatory assessments. Establish key risk indicators (KRIs) and risk tolerance thresholds; report on them regularly to the CEO and Board. Collaborate with legal and compliance teams to assess third-party risks from vendors, payment processors, and data handlers. Guide the implementation of a business continuity and disaster recovery plan, ensuring readiness and resilience. Represent the risk function in meetings with auditors, regulators, and investors, providing transparency into Joud's risk posture. Lead and mentor the risk team, fostering a culture of accountability, integrity, and proactive risk ownership across the company

Required Qualifications:

Bachelor's degree in Risk Management, Finance, Business Administration, or related field. Advanced degree ( MBA, MSc Risk, or FRM/CISA/CIRM certifications) strongly preferred. Minimum 8+ years of experience in enterprise risk management, preferably in fintech, banking, payments, or consumer credit. Solid understanding of Qatar Central Bank regulations, including risk reporting formats. Demonstrated experience in credit risk modeling, fraud analytics, and data-driven risk scoring methodologies. Familiarity with ISO 31000, COSO framework, and other risk management standards.

Key Competencies & Skills:

Strategic and analytical thinking with a risk-aware mindset Deep knowledge of digital finance and BNPL risk dynamics Proficiency in risk modeling tools and platforms Excellent communication and stakeholder engagement skills Cross-functional leadership and mentoring ability Strong grasp of cybersecurity and data protection risks High integrity and attention to detail in high-pressure environments
Job Type: Full-time