Risk Governance
Regional Governance & Policy Alignment
- Lead alignment of country risk frameworks, policies, guidelines and escalation protocols with Group requirements.
- Coordinate governance enhancements, ensuring consistent standards and closure of identified gaps.
- Plan, review and monitor progress of alignment in each country’s risk frameworks, guidelines and processes.
- Review and propose the Group’s High Level Approving Authority for regional businesses.
- Review and deliberate all risk limits for Regional before submission to Management Committees for approval.
Committee Reporting & Documentation Quality
- Oversee preparation, review and challenge of governance papers, risk submissions and reports for Management Committees, Regional Committees and Head Office forums.
- Ensure all submissions are relevant, accurate and of high quality to support informed decision-making.
- Work proactively with Group Risk Pillar Heads and Regional Risk Heads to ensure reporting remains consistent and effective across all entities.
Risk Appetite, Limits & Control Assessments
- Master Coordinator and Challenger for RCSA, MRA and KRI for Regional before submission to Management Committees.
- Lead coordination and challenge of annual Risk Appetite setting for Regional.
- Monitor effectiveness of governance controls and follow through on remediation activities across countries.
- Engage Group Credit Control and Group Pillar Heads to ensure alignment of risk controls and governance standards across the Group.
Stakeholder Engagement & Information Flow
Engage, advise and deliberate risk matters with Regional CEO, Regional Business Heads and functional leaders across the region.
- Conduct regular check-ins with all Regional Risk Heads to surface salient issues requiring Head Office attention.
- Ensure strong connectivity with Group Risk Pillar Heads to address key Regional risk issues.
- Maintain clear, timely communication flows to Head Office on material risks, governance concerns and emerging themes.
Risk Surveillance & Monitoring
Regional Surveillance & Early Warning
- Lead monitoring across credit, market, liquidity, operational, conduct and emerging risks using dashboards, early warning indicators and thematic reviews.
- Identify unusual patterns, risk concentrations, cross-country anomalies or systemic issues requiring intervention.
- Ensure regional monitoring is forward-looking, data-driven and aligned with Group expectations.
- Analytical Insights & EscalationProvide consolidated, data-driven insights for senior management by benchmarking risk profiles and themes across countries.
- Drive structured follow-up on breaches, exceptions and incidents raised through surveillance findings.
- Ensure clear action ownership, remediation timelines and escalation discipline across all countries.