• Lead and continuously enhance the Bank's Enterprise Risk Management (ERM) Framework.

• Oversee Credit Risk, Operational Risk, Market & Liquidity Risk, and Enterprise Risk Management functions.

• Monitor credit portfolio quality, credit concentration, delinquency trends, and Non-Performing Loans (NPLs).

• Ensure compliance with CBUAE regulations, Basel III/IV requirements, and internal risk policies.

• Lead stress testing, ICAAP, business continuity, disaster recovery, and recovery planning activities.

• Oversee third-party and outsourcing risk assessments.

• Prepare and present comprehensive risk reports to Executive Management, the Board Risk Committee, and the Board of Directors.

• Develop and monitor Key Risk Indicators (KRIs) and enterprise-wide risk assessments.

• Coordinate with Compliance, Legal, Internal Audit, and other key stakeholders to strengthen the Bank's governance framework.

Desired Candidate Profile

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics, Risk Management, or a related field.

• Master's Degree is preferred.

• Professional certifications such as FRM, PRM, CFA, CAMS, CIA, or ERM are highly desirable.

• Minimum 15 years of banking experience, including at least 5 years in a senior Risk Management leadership role.

• Strong experience in Basel III/IV, Enterprise Risk Management frameworks, ICAAP, stress testing, and regulatory reporting.

• Proven experience working with the Central Bank of the UAE (CBUAE) and regulatory authorities.

• Excellent leadership, strategic thinking, communication, negotiation, and Board-level presentation skills.