• What is Stream Head Enterprise Risk Management - MMBL?
  • Lead the implementation, maintenance, and continuous enhancement of Mobilink Bank's Enterprise Risk Management (ERM) Framework in line with SBP regulations, Basel principles, and VEON Group Risk standards.
• What Stream Head Enterprise Risk Management - MMBL does?
  • • Oversee Bank-wide Enterprise Risk Assessments (ERA), maintain the Enterprise Risk Register, and ensure timely identification, assessment, mitigation, monitoring, and reporting of material risks across all business and support functions.
  • • Develop, monitor, and report Key Risk Indicators (KRIs), ensure timely escalation of threshold breaches, and provide actionable risk insights to senior management.
  • • Prepare and present comprehensive ERM reports, dashboards, and presentations for the Board Risk Management & Compliance Committee (BRMCC), Management Risk Committee (MRC), Executive Management, Board of Directors, and VEON Group Risk.
  • • Coordinate all VEON Group Risk reporting requirements, ensuring accuracy, completeness, and timely submission in accordance with VEON Group standards and regulatory expectations.
  • • Monitor emerging, strategic, operational, technology, cyber, regulatory, financial, climate, and reputational risks, assess their potential impact on the Bank, and recommend appropriate mitigation strategies.
  • • Lead the periodic review of the Bank's Risk Appetite Framework, ERM policies, methodologies, and governance documents to ensure alignment with the Bank's strategic objectives and regulatory requirements.
  • • Provide independent risk oversight for major business initiatives, digital transformation programs, new products, strategic projects, and organizational changes to ensure risks are identified and appropriately managed.
  • • Coordinate with business units, Information Technology, Information Security, Compliance, Finance, Internal Audit, Operations, JazzCash, and other stakeholders to strengthen enterprise-wide risk management and ensure timely closure of risk mitigation actions.
  • • Provide independent risk oversight of the Bank's partnership and integration with JazzCash, including branchless banking, mobile wallet, and digital payment channels, by assessing associated operational, technology, cyber, fraud, third-party, and reputational risks and ensuring appropriate controls, service-level arrangements, and mitigation measures are in place.
  • • Monitor compliance with SBP regulations, internal policies, and VEON Group Risk requirements, and coordinate responses to regulatory observations and risk-related audit findings.
  • • Promote a strong risk culture across the Bank by conducting ERM awareness sessions, advising business functions on risk management practices, and embedding risk management into day-to-day decision-making.
  • • Drive continuous improvement and automation of ERM processes, reporting, and risk analytics to enhance the effectiveness, efficiency, and maturity of the Bank's enterprise risk management function.
• What are we looking for and what does it require to be Stream Head Enterprise Risk Management - MMBL?
  • CA/ACCA, MBA/ master’s degree in commerce, Finance
  • Professional Certification preferably
  • 7- 8 years of relevant experience

• Head Office

Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 114 branches and 270,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.

This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavor.