Chief Risk Officer

• Enterprise Risk Governance, Framework and Risk Appetite Develop, maintain and review AFF’s enterprise risk framework, Risk Appetite Framework, risk policies, KRIs, limits, thresholds and escalation procedures. • Board Risk Committee and Executive Risk Reporting Provide timely risk reporting, independent risk opinions and escalation of material risk matters to the Board, Board Risk Committee and senior management. • Independent Credit Risk Oversight and Challenge Provide independent second-line oversight and challenge on credit risk, including exposures, deviations, restructurings, write-offs, concentration risk, provisioning indicators and portfolio deterioration. The CRO does not own first-line credit approvals or underwriting execution. • Portfolio Monitoring, Risk Appetite, Stress Testing and Early Warning Oversight Monitor portfolio quality, concentration risk, delinquency trends, provisioning indicators, early warning indicators, risk appetite breaches and stress signals. Oversee stress testing and scenario analysis. • Operational, Outsourcing, Technology and Resilience Risk Oversight Oversee operational risk, outsourcing and third-party risk, technology and information security risk, cyber risk, business continuity and resilience risk. Review and challenge first-line controls and escalate material weaknesses • Regulatory Risk Management, CBUAE Readiness and Remediation Support Support CBUAE examinations, supervisory reviews, remediation plans, regulatory responses and risk-related submissions. Act as AFF’s primary risk representative with CBUAE on risk matters. • Risk Input into Governance, Policy, New Products and Strategic Change Provide independent risk input on policies, DoA changes, outsourcing arrangements, new products, new services, distribution channels, strategic initiatives and major business changes. • Risk Culture, Leadership and Governance Evidence Lead the Risk function and promote strong risk culture through governance forums, training, awareness and engagement. Ensure risk decisions, exceptions, escalations and committee submissions • Bachelor’s degree in Finance, Risk Management, Accounting, Economics, Business Administration, Mathematics or related field. Master’s degree and professional qualifications such as FRM, PRM, CFA, CA, CPA or ACCA preferred. • Minimum 12–15 years in risk management within financial services, with senior experience in a regulated lending, finance or banking environment. • Enterprise risk management, Risk Appetite Framework, credit risk oversight, portfolio monitoring, stress testing, operational and outsourcing risk, technology and information security risk, regulatory engagement, Board reporting, policy review, risk data governance, leadership and stakeholder management..