Job Description

Job Summary

The Chief Risk Officer (CRO) will lead enterprise-wide risk management at Joud LLC, ensuring proactive identification and mitigation of credit, operational, regulatory, and strategic risks. The role is essential for maintaining a secure, compliant, and scalable BNPL fintech platform under QCB regulations.

Key Responsibilities

Design and implement an enterprise risk management framework aligned with QCB guidelines. Develop and oversee credit risk policies, scoring models, and merchant risk frameworks. Lead fraud detection and prevention initiatives in collaboration with data and compliance teams. Monitor regulatory, macroeconomic, and industry risks impacting BNPL operations. Conduct periodic risk assessments and company-wide risk reviews. Establish KRIs, risk appetite thresholds, and regular reporting to the CEO and Board. Oversee third-party and vendor risk management. Lead business continuity and disaster recovery planning. Represent the company in discussions with regulators, auditors, and investors. Build and mentor a strong risk management team.

Requirements

Bachelor's degree in Risk Management, Finance, Business, or related field. Advanced degree or certifications (FRM, CISA, CIRM, MBA) preferred. 8+ years of experience in enterprise risk management, preferably in fintech or banking. Strong knowledge of QCB regulations and risk reporting standards. Experience in credit risk modeling, fraud analytics, and risk frameworks (ISO 31000, COSO). Excellent analytical, communication, and leadership skills.
Job Type: Full-time