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Country Risk Manager | HireLiberia

Ecobank Liberia · apply by Oct 28, 2026

Skills and requirements

About this role

Job title: Affiliate Country Chief Risk Officer / Country Head of Risk / Country Risk Manager Role status: Senior-most independent risk executive and CRO-equivalent for the affiliate Location: Relevant AWA affiliate Geographic scope: The employing legal entity and its operations Administrative/statutory reporting: Affiliate Managing Director, subject to local regulatory requirements Functional reporting: Chief Risk Officer, Ghana & Anglophone West Africa, with alignment to relevant Group specialist risk functions Board access: Direct and unrestricted access to the affiliate Board and relevant Board committees Direct reports: Country risk, credit-risk and specialist risk personnel within the approved affiliate structure and subject to local regulatory requirements. Independence: Independent of risk-taking business units and protected from responsibilities that would impair objective second-line challenge Job purpose • To serve as the Chief Risk Officer-equivalent of the affiliate and lead the independent second-line risk-management function. The role provides the affiliate Managing Director, executive management and Board with a comprehensive, forward-looking and objective view of the entity's financial and non-financial risk profile and ensures that strategy, growth and operations remain within approved risk appetite and applicable Group, regional and regulatory requirements. • The Affiliate CRO implements Group and AWA risk frameworks locally, maintains appropriate risk resources, expertise and controls, leads local regulatory and Board risk engagement, and owns country delivery of applicable Group, AWA or Country risk management initiatives. • The Affiliate CRO to support the development and execution of sustainable business strategies by providing independent insight, challenge and forward-looking risk perspectives that enable profitable growth within approved risk appetite. Mandate Boundaries Entity accountabilityFull CRO accountability for the affiliate's aggregate risk profile, ERMF, risk appetite, risk function, Board advice and local regulatory risk engagement.Regional relationshipFunctionally accountable to the Ghana & AWA CRO for standards, reporting, challenge, talent, escalation, regional governance and transformation alignment.Local authorityAccountable within local governance and law; regional oversight does not remove the responsibilities of the local MD, Board or statutory officers.First-line boundaryBusiness and support functions own risks, controls and remediation; the Affiliate CRO provides independent oversight, challenge and escalation. Key Responsibilities 1. Country executive and Board risk leadership • Serve as the principal risk adviser to the affiliate MD, executive management, Board and relevant Board committees. • Lead the independent second-line risk-management function and maintain sufficient stature, access and authority to challenge risk-taking decisions. • Provide independent risk opinions on strategy, budgets, growth plans, major transactions, products, partnerships, technology change and operating-model decisions. • Escalate material risks, breaches, control weaknesses and regulatory concerns to local and regional governance without delay. • Balance commercial enablement with prudential soundness, customer protection and franchise resilience. 2. ERMF, risk appetite and risk aggregation • Implement and maintain a comprehensive affiliate ERMF aligned with Group standards and local regulation. • Coordinate identification, assessment, measurement, monitoring, control and reporting of all material financial and non-financial risks. • Lead development and review of the country risk-appetite statement and recommend appropriate limits, triggers and KRIs. • Monitor breaches, exceptions, waivers and risk acceptances and ensure timely corrective action and escalation. • Maintain the country risk register, emerging-risk assessment and integrated view of the residual risk profile. • Conduct stress testing, scenario analysis and reverse stress testing proportionate to the affiliate's risk profile. 3. Credit risk and asset quality • Provide independent review, challenge and approval of credit proposals within delegated authorities. • Oversee underwriting quality, policy compliance, portfolio performance, watchlists, Stage 2, NPLs, provisioning, IFRS 9 staging and material overlays. • Ensure effective early-warning, annual review, covenant monitoring and post-disbursement controls. • Monitor obligor, sector, sovereign, currency, product and connected-counterparty concentrations. • Identify likely future problem assets and escalate emerging deterioration early. • Promote efficient, first-time-right credit processes without compromising independent standards. 4. Collateral, remediation and recoveries • Oversee valuation, documentation, perfection, insurance, custody, monitoring, release and realisation of collateral. • Challenge data gaps, expired valuations, unperfected security and weak collateral coverage. • Oversee restructuring, rehabilitation, recovery, legal enforcement, write-offs and negotiated settlements. • Ensure problem assets have approved strategies, accountable owners, milestones, expected cash recoveries and escalation triggers. • Request regional specialist intervention where local capability or authority is insufficient. 5. Market, liquidity, capital and treasury risk • Monitor foreign-exchange, interest-rate, counterparty, liquidity, capital and market risks. • Provide independent challenge of Treasury positions, ALCO decisions, valuations, limits, funding concentrations and liquidity assumptions. • Monitor capital adequacy, liquidity buffers, stress outcomes, contingency plans and recovery options. • Ensure breaches are promptly reported and remediated and seek regional support for specialist analysis where required. 6. Operational risk, internal control and resilience • Implement an appropriate risk identification and remediation framework and ensur

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