Risk Officer

The Risk Officer will be responsible for identifying, assessing, monitoring, and reporting on risks that could impact Mutahid’s operational and financial performance. The Risk Officer will spend significant time in the field and at branches to evaluate risk exposures, verify adherence to internal risk-related policies, and conduct compliance risk-based assessments as required by the Head of Risk. This role excludes oversight of regulatory or procedural compliance but integrates compliance risks into the overall risk framework.

University degree in economics, finance, or related areas.

Proficiency in local language(s); English desirable.

Confident computer user.

Strong analytical skills.

Integrity, flexibility, strong organizational skills, and teamwork ability.

Willingness and ability to work in the field extensively.

Note: The related officers Risk Officer will have 100% field work activities as well according to plan.

Main responsibilities

Identify, assess, and monitor credit, operational, market, and reputational risks across branches and field operations.

Verify the accuracy and completeness of Murabaha financing documentation and highlight risk-related gaps or exposures.

Perform risk-based reviews of client files, portfolio quality, and lending processes.

Conduct pre- and post-disbursement checks to evaluate risk exposure and report findings.

Assess compliance risks (e.g., procedural gaps or regulatory exposure) within the broader risk framework, and report to the Head of Risk.

Conduct root-cause analysis for risk incidents and support action plans for mitigation.

Immediately escalate any suspected fraud, staff misconduct, or major control weaknesses that could pose a risk to Mutahid.

Submit regular risk assessment reports to the Head of Risk summarizing findings, risk trends, and follow-up actions.

Administrative responsibilities

Maintain a systematic record of all risk assessments, reports, and identified risk indicators.

Follow up on implementation of risk mitigation recommendations and track progress.

Participate in special risk investigations as assigned by the Head of Risk.

Support risk awareness initiatives across branch staff, focusing on internal control and risk mitigation practices.

Liabilities

Failure to perform responsibilities effectively, including misjudgment in risk evaluation, poor documentation, or lack of proper escalation, may result in:

Verbal warning

Written reprimand

Dismissal

Financial liability will apply per the terms of the employment contract.

Interested candidates can send their CVs to: [email protected]

Note: Candidates must write the position and reference number (Risk, Mutahid-GZN/107/2026), (Risk, Mutahid-Sar-e-Pul/107/2026)in the email's subject line, and must send the NIC (Tazkira) as well.