We are seeking an experienced and strategic Head of Risk Management to lead the enterprise-wide risk function at YAP Pakistan. In this critical leadership role, you will design, implement, and oversee a robust risk management framework that supports YAP’s rapid growth in digital payments, bill payments, mobile top-ups, and other fintech services while ensuring full regulatory compliance with State Bank of Pakistan (SBP) guidelines. You will play a key role in identifying, assessing, mitigating, and monitoring all material risks (credit, operational, market, liquidity, fraud, technology/cyber, compliance, and strategic risks) in a fast-paced fintech environment.

Key Responsibilities:

• Develop, implement, and continuously improve the Enterprise Risk Management (ERM) framework aligned with SBP regulations, international best practices, and YAP’s business strategy.
• Establish and monitor the company’s Risk Appetite Statement, risk limits, and key risk indi...