GRC Lead – Digital Financial Services

Job Overview

We are seeking a GRC Lead to serve as the central governance, risk, and compliance contact across multiple departments including Product, Technology, Finance, Legal, AML/CFT, Fraud, Operations, and external partners. This role involves developing and sustaining risk management frameworks and compliance policies specific to FinTech initiatives and digital financial services.

Key Responsibilities

• Act as the primary point of coordination for GRC matters within various internal teams and external collaborators.
• Design, implement, and update governance frameworks, policies, and control standards for digital financial services.
• Oversee comprehensive credit-risk governance for lending products, managing credit policy, underwriting rules, exposure controls, collections risk, and portfolio performance.
• Continuously monitor portfolio metrics such as quality, delinquency rates, roll rates, non-performing loans, loss recovery, vintage performance, and early-warning indicators; initiate corrective measures as needed.
• Set risk appetite levels, credit limits, escalation protocols, and ensure proper governance and management reporting.
• Collaborate with Product and Technology teams to integrate credit risk, fraud prevention, compliance, consent, and regulatory controls within customer and merchant workflows.
• Conduct compliance risk assessments for new offerings, partnerships, marketing, and operational procedures.
• Establish controls for fraud detection, transaction monitoring, and incident management with shared-service teams.
• Manage regulatory readiness activities including licensing documentation, policy documentation, reporting, audit preparedness, and supervisory responses.
• Define governance forums, approval hierarchies, risk reporting structures, and management-level committee documentation.
• Maintain comprehensive records of risk registers, control deficiencies, policy exceptions, incidents, audit results, and remediation actions; ensure timely closure with accountable parties.
• Develop practical compliance procedures and conduct awareness sessions for cross-functional teams such as Product, Operations, and Customer Care.
• Perform additional projects and tasks assigned by the Line Manager.

Qualifications & Experience

• Bachelor's degree in Finance, Accounting, Business Administration, Law, Economics or related disciplines.
• Advanced degrees such as an MBA or Master’s in Risk or Finance are advantageous but not mandatory.
• Certifications like CAMS, FRM, CRCM, or similar credentials in risk and compliance are a plus.
• Between 8 and 12 years of professional experience in credit risk, lending risk, risk governance or regulatory roles within FinTech, banking, consumer finance, payments or related regulated financial services.
• Demonstrated practical expertise in digital credit and lending risk management including underwriting, affordability analysis, exposure control, portfolio monitoring, delinquency handling, collections, and loss analytics.
• Solid background in regulatory compliance, risk framework development, policy design, control implementation, risk registries, and reporting.
• Familiarity with AML/CFT, sanctions, electronic KYC, fraud risk handling, transaction monitoring, and consumer protection regulations.
• Experience in supporting regulatory processes such as licensing, audits, inspections or supervisory hearings.