GRC Lead – Digital Financial Services

Vodafone; Doha; On-site; QAR 180,000 - 360,000; Full time

Job summary

Vodafone is seeking a senior professional to act as the central GRC point across product, technology, finance and legal functions. You will develop risk, compliance and governance frameworks for FinTech initiatives and lead end-to-end credit-risk governance for lending products.

You will monitor portfolio performance, establish risk appetite and embedding of controls into customer journeys, while coordinating regulatory readiness and reporting.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, Law, or Economics.
• 8–12 years’ experience in credit risk, lending risk, risk governance or regulatory roles within FinTech, banking, consumer finance, payments or related financial-services business.
• Strong hands‑on experience in digital credit or lending risk, including underwriting, affordability, exposure management, portfolio monitoring, delinquency management and loss‑performance analysis.
• Strong experience in regulatory compliance, risk frameworks, policy development, control design, risk registers and management reporting.
• Working knowledge of AML/CFT, sanctions, e‑KYC, fraud‑risk management, transaction monitoring and consumer‑protection requirements.
• Experience supporting licensing applications, regulatory submissions, inspections, audits or supervisory engagement.
• CAMS, FRM, CRCM or equivalent risk/compliance certification (Good to have)
• Postgraduate qualification (e.g. MBA, Master’s in Risk or Finance) is an advantage but not essential

Responsibilities

• Act as the central GRC point of contact across Product, Technology, Finance, Legal, AML/CFT, Fraud, Operations and external partners.
• Develop and maintain risk, compliance and governance frameworks, policies, procedures and control standards across FinTech initiatives.
• Lead end-to-end credit-risk governance for lending products, including credit policy, underwriting and decision rules, affordability, exposure and stacking controls, exceptions, collections-risk oversight and portfolio performance management.
• Monitor portfolio quality, approval rates, delinquency, roll rates, NPLs, losses, recoveries, vintage performance and early-warning indicators; recommend and drive corrective actions.
• Establish risk appetite, credit limits, escalation triggers, exception governance and management reporting for lending products.
• Work with Product and Technology teams to embed credit-risk, fraud, compliance, consent and regulatory controls into customer and merchant journeys.
• Lead compliance-risk assessments for new products, partnerships, customer journeys, marketing communications and operating processes.
• Establish fraud-control, transaction-monitoring, incident-management and escalation requirements in coordination with relevant shared-service teams.
• Coordinate regulatory readiness, licensing submissions, policy packs, regulatory reporting, audit trails, inspections and supervisory responses.
• Define governance forums, approval authorities, risk reporting and committee packs for senior management.
• Maintain risk registers, control gaps, policy exceptions, incidents, audit findings and remediation plans; drive closure with accountable owners.
• Build practical procedures and awareness sessions for Product, Operations, Customer Care and relevant business teams.
• Perform additional project work delegated by the Line Manager.

Skills

Credit risk

Lending risk

Risk governance

Regulatory compliance

AML/CFT knowledge

Fraud risk management

Stakeholder management

Education

Bachelor's degree in Finance/Accounting/Business/Law/Economics

MBA or Master’s in Risk/Finance (advantage)

Job description

• Act as the central GRC point of contact across Product, Technology, Finance, Legal, AML/CFT, Fraud, Operations and external partners.
• Develop and maintain risk, compliance and governance frameworks, policies, procedures and control standards across FinTech initiatives.
• Lead end-to-end credit-risk governance for lending products, including credit policy, underwriting and decision rules, affordability, exposure and stacking controls, exceptions, collections-risk oversight and portfolio performance management.
• Monitor portfolio quality, approval rates, delinquency, roll rates, NPLs, losses, recoveries, vintage performance and early-warning indicators; recommend and drive corrective actions.
• Establish risk appetite, credit limits, escalation triggers, exception governance and management reporting for lending products.
• Work with Product and Technology teams to embed credit-risk, fraud, compliance, consent and regulatory controls into customer and merchant journeys.
• Lead compliance-risk assessments for new products, partnerships, customer journeys, marketing communications and operating processes.
• Establish fraud-control, transaction-monitoring, incident-management and escalation requirements in coordination with relevant shared-service teams.
• Coordinate regulatory readiness, licensing submissions, policy packs, regulatory reporting, audit trails, inspections and supervisory responses.
• Define governance forums, approval authorities, risk reporting and committee packs for senior management.
• Maintain risk registers, control gaps, policy exceptions, incidents, audit findings and remediation plans; drive closure with accountable owners.
• Build practical procedures and awareness sessions for Product, Operations, Customer Care and relevant business teams.
• Perform any additional project, task or activities assigned/delegated by the Line Manager.
• Bachelor's degree in Finance, Accounting, Business Administration, Law, Economics or a related field.
• A postgraduate qualification (e.g. MBA, Master's in Risk or Finance) is an advantage but not essential
• CAMS, FRM, CRCM or equivalent risk/compliance certification (Good to have)
• 8–12 years’ experience in credit risk, lending risk, risk governance or regulatory roles within FinTech, banking, consumer finance, payments or another regulated financial-services business.
• Strong hands‑on experience in digital credit or lending risk, including underwriting, affordability, exposure management, portfolio monitoring, delinquency management, collections oversight and loss‑performance analysis.
• Strong experience in regulatory compliance, risk frameworks, policy development, control design, risk registers and management reporting.
• Working knowledge of AML/CFT, sanctions, e‑KYC, fraud‑risk management, transaction monitoring and consumer‑protection requirements.
• Experience supporting licensing applications, regulatory submissions, inspections, audits or supervisory engagement.