Senior Credit Risk & Policy Architect

Hugo Bank; Karachi Division; On-site; PKR 2,000,000 - 4,000,000; Full time

Job summary

Hugo Bank seeks a senior Credit Risk leader to manage program-based lending portfolios from a risk perspective. You will shape policy, underwriting standards, and analytics across consumer, merchant, and program lending.

You will define an enterprise risk framework, ensure compliance with regulatory requirements, and drive model development, validation, and monitoring aligned with business growth.

Qualifications

• Strong knowledge of credit risk governance and policy
• Experience with model development and validation
• Exposure to regulatory reviews and audits

Responsibilities

• Define and maintain enterprise-wide credit risk framework.
• Translate risk strategy into actionable credit policies and underwriting standards.
• Oversee credit origination, decisioning and portfolio quality.
• Manage collections, recovery and risk-based pricing activities.
• Ensure compliance with regulatory requirements and internal policies.
• Lead risk reporting and liaison with CRO and risk committees.
• Lead and develop credit risk governance across policies and systems.

Skills

Analytical thinking

Risk advisory

Stakeholder management

Education

Bachelor’s degree in Finance or related field

Master’s degree preferred in Risk/Finance

Professional risk certifications desirable

Tools

Credit risk models

Regulatory frameworks (IFRS 9, Basel)

Job description

Hugo Bank seeks a senior Credit Risk leader to manage program-based lending portfolios from a risk perspective. You will shape policy, underwriting standards, and analytics across consumer, merchant, and program lending.

You will define an enterprise risk framework, ensure compliance with regulatory requirements, and drive model development, validation, and monitoring aligned with business growth.