Mobilink Microfinance Bank Ltd. (MMBL) is seeking an experienced Stream Head – Enterprise Risk Management to lead and strengthen the Bank's Enterprise Risk Management (ERM) framework. The role is responsible for developing, implementing, and continuously enhancing ERM practices in line with State Bank of Pakistan (SBP) regulations, Basel principles, and VEON Group Risk standards while supporting strategic business objectives.

🎯 Key Responsibilities

• Lead the implementation and continuous improvement of the Enterprise Risk Management (ERM) framework.
• Conduct enterprise-wide risk assessments and maintain the Enterprise Risk Register.
• Identify, assess, monitor, and mitigate strategic, operational, financial, technology, cyber, regulatory, climate, and reputational risks.
• Develop, monitor, and report Key Risk Indicators (KRIs), ensuring timely escalation of significant risk events.
• Prepare risk reports and dashboards for Executive Management, Board Committees, and VEON Group Risk.
• Coordinate all risk reporting requirements with VEON Group and regulatory authorities.
• Review and enhance the Bank's Risk Appetite Framework, ERM policies, governance documents, and methodologies.
• Provide independent risk oversight for new products, digital transformation initiatives, strategic projects, and organizational changes.
• Collaborate with IT, Information Security, Compliance, Finance, Internal Audit, Operations, JazzCash, and business teams to strengthen enterprise-wide risk management.
• Oversee risk management for JazzCash partnerships, branchless banking, digital payments, and mobile wallet services.
• Ensure compliance with SBP regulations, internal policies, and regulatory requirements.
• Promote a strong risk culture through awareness sessions, advisory support, and continuous improvement initiatives.
• Drive automation and enhancement of ERM reporting, analytics, and risk management processes.

✅ Eligibility Criteria

🎓 Education

• CA, ACCA, MBA, or Master's degree in Commerce, Finance, or a related discipline.
• Professional Risk Management certification will be preferred.

💼 Experience

• Minimum 7–8 years of relevant experience in Enterprise Risk Management, Banking Risk, or Financial Risk Management.

🌟 Preferred Skills

• Enterprise Risk Management (ERM)
• Risk Governance & Compliance
• Basel Framework & SBP Regulations
• Key Risk Indicators (KRIs)
• Risk Appetite Framework
• Operational & Strategic Risk
• Technology & Cyber Risk
• Financial Risk Analysis
• Regulatory Reporting
• Digital Banking & Branchless Banking Risk
• Stakeholder Management
• Leadership & Decision-Making
• Risk Analytics & Reporting

🏢 About Mobilink Microfinance Bank Ltd. (MMBL)

Mobilink Microfinance Bank Ltd. is one of Pakistan's leading digital microfinance banks, serving 48+ million registered users and 20+ million monthly active customers. Through its extensive network of branches, branchless banking agents, and innovative digital banking solutions, MMBL is committed to expanding financial inclusion and delivering modern banking services across Pakistan.

🌱 Why Join MMBL?

• Opportunity to lead enterprise-wide risk management initiatives.
• Work with one of Pakistan's largest digital banking institutions.
• Exposure to international risk management standards and best practices.
• Collaborative and innovation-driven work environment.
• Excellent career growth and leadership opportunities.

🔎 Source: Official Careers Portal
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