Policy Analyst-Support Services-Consumer Risk

Role Purpose

The Policy Risk Manager is responsible for designing, reviewing, and continuously enhancing risk policies, frameworks, and governance standards to ensure the bank operates within its defined risk appetite. The role ensures regulatory compliance, identifies emerging risks, strengthens controls, and provides analytical insights for effective decision‑making across business units.

Key Responsibilities

Policy Development & Governance

• Develop, update, and implement risk policies across credit, operational risk.
• Ensure policies remain aligned with regulatory guidelines, internal risk appetite, and industry best practices.

• -Draft comprehensive policy documents, SOPs, and governance frameworks.
• -Defining early risk thresholds.

• Conduct periodic policy reviews and recommend enhancements.

Risk Assessment & Monitoring

• Owned loss numbers and collaborate with credit and collections to deliver the numbers.
• Evaluate end‑to‑end processes and identify policy‑related risk exposures or gaps.
• Conduct thematic reviews and control assessments.
• Monitor early warning indicators and exceptions.
• Support development of risk monitoring dashboards.

Regulatory Compliance

• Interpret relevant regulatory guidelines and ensure integration into policies.
• Liaise with compliance, audit, and business units.

Stakeholder Collaboration

• Partner with business teams, credit, operations, compliance, audit, legal, and technology.
• Provide risk advisory support.
• Conduct workshops and training sessions.

Portfolio Monitoring

• Analyze portfolio quality, loss events, and control breaches.
• Prepare risk assessment reports and presentations.

Governance & Audit Support

• Facilitate internal and external audits.
• Document audit responses and ensure closure of findings.