Risk and Compliance Manager

Responsibilities

Credit Risk

• Review the decision-making mechanism's reports and write risk opinions for each individual applicant.
• Analyze the financial statements of legal entities and provide an opinion within 2 business days.
• Vote in Credit Committee meetings and prepare proposals for non-standard applications.
• Assess the repayment capacity of guarantors (individuals and legal entities).

Decision-Making Mechanism and Policies

• Develop decision-making mechanism rules, scores, and limits, and submit them for Credit Committee approval.
• Monitor the results of the rules in collaboration with a data analyst and propose changes as needed.
• Write and maintain the credit policy, risk appetite, and limit documents.

Compliance and AML

• Oversee KYC, AML, PEP, and sanctions screening.
• Organize the screening of car dealers and partners.
• Develop the AML program, make decisions on suspicious transactions, and establish the reporting process to the Financial Monitoring Service.
• Provide periodic AML reports to the Supervisory Board.

Internal Control

• Verify monthly reconciliation of bank and accounting balances.
• Monitor system access rights.
• Present portfolio risk indicators (delinquency stages, concentration) in a monthly report.

Requirements

• Higher education in Economics, Finance, Banking, or Mathematics.
• At least 1 year of experience in credit risk or underwriting at a bank, MFI, or leasing company.
• Practical knowledge of AML/CFT legislation, PEP, and sanctions screening.
• Ability to analyze the financial condition of individuals and legal entities.
• Experience working with Azerbaijan Credit Bureau reports.

Interested candidates are requested to send their resumes (CV) to the email address indicated in the Apply button, with "Risk and Compliance Manager" in the subject line.