Chief Risk Officer (CRO)

Job Grade: Senior Vice President (SVP)

Minimum 15 (fifteen) years of banking experience, including at least 03 (three) years of hands-on experience in Risk Management of reputed Banks, preferably as Chief Risk Officer (CRO) or Head of Risk Management Division (RMD).

Having mainstream banking experience preferably covering: i. Core risk management, ii. Internal Control and Compliance, iii. Capital management, iv. Branch banking, v. Core banking system, and vi. Risk based certification

Sound knowledge of Bangladesh Bank regulations, Basel framework, Risk-Based Supervision (RBS), IFRS 9/ECL, risk management guidelines and international best practices.

Graduation/ Post-Graduation degree in Finance, Banking, Economics, Business Administration or any other relevant discipline from a reputed university with no third class/division or equivalent CGPA in the academic record.

Relevant professional qualifications such as CFA, FCA, FCMA, ACCA, CIMA or recognized risk management certifications will be an added advantage.

Lead the independent Risk Management Division (RMD) and oversee the development, implementation and periodic review of the Bank's comprehensive Risk Management Framework, including risk management policies, procedures and methodologies.

Member of the Senior Management Team of the Bank, responsible for risk management strategies and operations, as well as supervising the Bank's risk identification and mitigation procedures.

Support the Board of Directors/Board Risk Management Committee (BRMC) in developing the Bank's risk appetite and translating it into a risk limit structure.

Lead the Bank's implementation of Bangladesh Bank's Risk Based Supervision (RBS) framework and IFRS 9 Expected Credit Loss (ECL) requirements, coordinating with Finance, Credit, ICT and Compliance, and reporting progress to the Board and Bangladesh Bank.

Oversee risk and ECL models, risk data and MIS, stress testing and monitoring against the Board-approved risk appetite, with regular reporting to the Board Risk Management Committee.

Provide independent risk opinions on significant credit proposals and oversee credit risk exposures, portfolio concentration, asset quality and overall credit portfolio performance to ensure sustainable asset growth.

Ensure compliance with applicable Bangladesh Bank instructions and Basel III requirements; oversee regulatory risk reporting and Pillar III disclosures; chair monthly Executive Risk Management Committee (ERMC) meetings and promote an effective risk management culture through training and the Annual Risk Conference.

Also discharge all other applicable functions and responsibilities in accordance with “Risk Management Guidelines for banks”, issued by Bangladesh Bank DOS Circular No. 04, dated 08 October 2018, and subsequent instructions/amendments, if any.