About the Role:
As the Risk & Governance Division Head, you will play a critical leadership role in shaping and overseeing the Bank's enterprise-wide risk management strategy. You will ensure that risk governance frameworks, policies, and controls effectively support sustainable business growth while maintaining compliance with regulatory requirements and industry best practices.
Key responsibilities include:
- Lead and enhance the Bank's Enterprise Risk Management (ERM) framework covering credit, operational, liquidity, market, fraud, strategic, and emerging risks.
- Drive the implementation of the Risk Appetite Framework across all business units and ensure alignment with the Bank's growth strategy.
- Partner with senior management to balance business growth, digital innovation, and regulatory compliance through a proactive and adaptive risk management approach.
- Collaborate closely with Treasury and Finance teams to optimize profitability, liquidity management, and long-term financial resilience.
- Develop stress testing methodologies and contingency funding plans to strengthen the Bank's ability to withstand market volatility and adverse scenarios.
- Foster a strong risk culture by embedding risk awareness into daily business decision-making across the organization.
- Oversee the effectiveness of internal controls, governance practices, and compliance with Good Corporate Governance (GCG) principles.
- Provide strategic risk insights and recommendations to Executive Management, the Board of Directors, and the Board of Commissioners.
- Lead the identification and management of emerging risks, including cybersecurity, technology risk, third-party risk, and risks associated with digital banking.
- Leverage data analytics, risk intelligence, and technology-driven monitoring tools to improve risk oversight and decision-making.
- Develop and mentor high-performing risk management teams capable of navigating an evolving financial services landscape.
- Champion the transformation from compliance-driven risk management to value-driven risk leadership, enabling both risk mitigation and business opportunity creation.
About You:
We are looking for an experienced risk leader who combines strong technical expertise with strategic business acumen.
Qualifications and requirements:
- Bachelor's degree (minimum) in Management, Law, Business Administration, Finance, Economics, or a related field from a reputable university.
- Minimum GPA of 3.50.
- At least 7 years of progressive experience in Risk Management within the banking, financial services, or fintech industry.
- Strong knowledge of banking regulations and regulatory frameworks issued by OJK, Bank Indonesia, and other relevant authorities.
- Proven experience in developing and implementing enterprise-wide risk management strategies.
- Deep understanding of credit risk, operational risk, liquidity risk, fraud risk, AML, technology risk, and governance frameworks.
- Demonstrated ability to balance risk management objectives with business growth and innovation initiatives.
- Strong analytical and data-driven decision-making capabilities.
- Excellent stakeholder management skills with experience engaging senior executives, boards, regulators, and external partners.
- Exceptional leadership and people development skills with a track record of building high-performing teams.
- Strong communication and presentation skills, with the ability to translate complex risk concepts into actionable business insights.
- Experience in digital banking, fintech ecosystems, cybersecurity risk, or emerging risk management will be highly advantageous.
