Unit Manager ERM

easypaisa digital bank; Islamabad; On-site; PKR 2,500,000 - 4,500,000; Full time

Job summary

easypaisa digital bank is seeking a seasoned risk professional to enhance the bank's risk architecture and ERM framework, aligning with SBP regulations and internal policies.

The role focuses on updating Credit, Liquidity, and Market Risk policies, monitoring portfolio risk, and supporting product teams for branch and branchless banking offerings while coordinating internal and SBP audits.

Qualifications

• Master’s degree or professional certification required.
• Experience in financial institutes with 7-8 years of relevant work.

Responsibilities

• Update and maintain risk architecture and framework per regulatory and internal requirements.
• Develop and formulate Risk Management Policies, Credit Policy & Procedures, Liquidity Risk Policy, Market Risk policies.
• Collaborate with product team on development and renewal of branch and branchless banking products.
• Assist in handling internal/external audits and SBP audit matters.
• Set and monitor Market Risk Limits (Duration and PVBP) and maturity gaps.
• Support liquidity ratio monitoring and major liquidity metrics.
• Identify and assess operational and ML/TF risks with heads of functions.
• Adhere to bank behaviors in all work conduct.

Skills

Risk management

ERM

Credit policy

Liquidity risk

Market risk

Education

Master’s Degree/Professional Certification/Diploma

Job description

About easypaisa digital bank:

easypaisa is Pakistan’s first digital bank and has advanced Pakistan’s digital finance landscape. Backed by our shareholders, Telenor Group-a leading telecom operator in Asia and the Nordics- and Ant Group-the force behind Alipay, the world’s leading open internet platform, easypaisa deliver secure, convenient financial solutions to millions of Pakistanis.

Summary:

Assist in developing, formulating and regulatory update the Risk architecture and framework implemented in the bank. Formulate and maintain ERM Policy and the Risk Appetite Framework documents. Work on the updating of Credit Policies & Procedure, Liquidity Risk policy, Market Risk Policy for Branch Banking and Branchless Banking in order to layout principals and guidelines and Monitor portfolio levels and achieve sustainable performing portfolios & products.

Duties and Responsibilities:

• Facilitate HOD to ensure that risk architecture and risk framework in the bank is updated and maintained as per regulatory and internal requirements of the bank.
• Assist in developing and formulate Risk Management Policies, Credit Policy & Procedures, Liquidity Risk Policy, Market Risk Policy, etc. by considering change in regulatory, macro/micro environments.
• Work jointly with the product team on development and subsequent renewal of Products for branch and branchless banking.
• Facilitate Head of ERM in Handling Internal/ External Audit, SBP audit matters.
• Assist in Setting and monitoring Market Risk Limits e.g. Duration & PVBP Limits.
• Setting and monitoring acceptable level of Maturity Gap.
• Support HOD setting and monitoring major liquidity ratios.
• Collaborate with functional heads to support management in identification and assessment of operational risk and ML/TF risks.
• Incumbent shall be responsible to adhere by Bank’s behaviors in all aspects of his/her work conduct.

Knowledge and Experience:

Education:

Master’s Degree/Professional Certification/Diploma

Experience:

7-8 years of relevant experience in the financial institute