GRC Lead Digital Financial Services

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.