Location: Doha, Qatar — On-site

Job type: Full-time, permanent

We are hiring a Senior Risk Officer to establish and lead our end-to-end risk framework. The role covers credit risk policy, affordability and underwriting standards, governance, monitoring, model oversight, and regulatory alignment with Qatar Central Bank (QCB) requirements.

• Define the risk appetite, risk taxonomy, and three-lines-of-defense processes.
• Create and maintain credit policy, affordability rules, exposure limits, and exception governance.
• Translate QCB requirements into policies, controls, testing, and management information (MI) packs.
• Set up governance forums (Risk Committee, Model governance), documentation, and reporting cadence.
• Oversee scorecards/ML model governance (design input, validation, monitoring, reason codes).
• Build portfolio monitoring (vintages, roll-rates, DPD buckets, stress tests) and early-warning triggers.
• Define collections segmentation, hardship protocols, and third-party oversight as needed.
• Lead data governance: data dictionary, lineage, privacy, retention, and audit trails.

• 10+ years in credit/enterprise risk at a bank, lender, or fintech with hands-on policy design.
• Proven experience operationalizing QCB requirements and local market practices.
• Strong command of credit bureau and bank-statement/cash-flow analysis for affordability and limits.
• Expertise in model governance (scorecards/ML), validation, back-testing, and performance MI.
• Excellent documentation and stakeholder communication skills.
• Fluent in English.
• Currently based in Qatar with demonstrated local experience.