Risk Head (Non-Financial Risk)

Key Responsibilities

Segment Non Financial Risk Oversight

• Provide oversight of the segment’s non financial risk profile, including operational, compliance, conduct, fraud, IT/cyber, third party, resilience, data, change and other material NFR risks.
• Ensure consistent application of Group risk management frameworks, policies, and minimum standards across Business Units.
• Maintain a holistic, forward-looking view of non financial risk exposures, interdependencies, and emerging risks.
• Enable effective risk reporting and promote increasing risk maturity across the segment.
• Engage with relevant stakeholders across the segment, Centres of Excellence, and Group to fulfil the risk mandate.
• Proactively manage Internal Audit engagements and oversee the remediation of audit findings based on risk severity.
• Analyse risk information to identify trends, discrepancies, and opportunities for decision-making and improvement.

Risk Assurance

• Lead and execute second-line risk assurance activities across the segment.
• Provide independent challenge over:
  • Risk and Control Self-Assessments (RCSAs)
  • Key Risk Indicators (KRIs) and risk appetite metrics
  • Incident, loss, and breach management
  • Management remediation plans and timelines
• Identify thematic issues and systemic control weaknesses, escalating material matters to relevant governance forums.
• Coordinate assurance insights with Internal Audit to strengthen coverage and avoid duplication.

Relationship Management

• Act as a key segment-level interface for BU and Super Segment Risk Heads on non financial risk and assurance matters.
• Build strong, trusted relationships that enable effective challenge, collaboration, and escalation.
• Provide clear guidance and interpretation of segment and Group NFR expectations while preserving second-line independence.
• Facilitate the effective flow of risk insights between BUs, Super Segments, and Group Risk functions.

Governance, Reporting and Escalation

• Support the preparation and delivery of segment-level NFR reporting to executive and risk governance committees.
• Ensure BU risk information is aggregated, comparable, and decision-useful at segment level.
• Escalate material risks, control weaknesses, and breaches of appetite in a timely and structured manner.
• Contribute meaningfully to segment risk committee discussions and decision-making.

Risk Culture and Capability Enablement

• Support the development of a strong risk culture and clear accountability across the segment.
• Contribute to capability uplift initiatives, guidance materials, training, and communities of practice.
• Conduct ongoing industry and regulatory research relevant to the Commercial Banking portfolio.
• Act as a trusted advisor on non financial risk and assurance matters, balancing challenge with pragmatic support.

Experience & Qualifications:

Essential

• 10+ years’ experience in Non Financial Risk, Operational Risk, Risk Assurance, or Internal Audit, preferably within financial services.
• Proven experience in second-line risk oversight, assurance, and governance.
• Strong understanding of non financial risk types, control frameworks, and risk appetite.
• Demonstrated experience engaging with senior stakeholders and governance forums.

Preferred

• Relevant professional qualification (e.g. CA(SA), CIA, CISA, FRM, or equivalent).
• Experience operating at segment or enterprise level across multiple business units.