Risk Manager, Payments

• Design, implement, and maintain the risk management framework of the local licensed payment business in line with NBK and AFSA requirements, including risk policies, procedures, and the three lines of defence model
• Develop the risk appetite statement, risk limits, and key risk indicators, and monitor compliance with them on an ongoing basis
• Identify, assess, and monitor operational, liquidity, currency, counterparty, fraud, outsourcing, information security, and compliance risks, and maintain the risk register
• Monitor prudential norms and capital requirements, including capital adequacy, liquidity, and open currency position limits, and escalate breaches or early warning signals
• Assess counterparty risk of partner banks and other key counterparties, including safeguarding client funds
• Conduct stress testing and scenario analysis, and contribute to capital and liquidity planning
• Perform risk assessments of new products, services, and material changes, including digital asset-related initiatives, and provide risk opinions to management
• Maintain the operational incident and loss event database, analyse root causes, and track remediation actions
• Oversee business continuity and operational resilience arrangements with technology and operations functions
• Prepare risk reports for the Board of Directors, committees, and senior management, plus regulatory reporting to NBK and AFSA
• Support regulatory inspections and internal and external audits from a risk management perspective
• Collaborate with compliance, finance, technology, and global risk teams to align local practices with group standards and promote a strong risk culture

• Degree in finance, economics, mathematics, or a related field; professional certification (FRM, PRM, CFA) is an advantage
• 5+ years of risk management experience at a bank, payment organisation, fintech company, or other regulated financial institution
• Strong knowledge of NBK prudential and risk management requirements for banks and payment organisations, and of international risk management standards (Basel principles, COSO, ISO 31000)
• Hands-on experience with operational, liquidity, currency, and counterparty risk management, including limit setting and monitoring
• Knowledge of the AIFC/AFSA regulatory framework is a strong advantage
• Experience building or developing a risk management function, including policies, risk registers, and risk appetite frameworks
• Experience preparing risk reporting for boards and regulators, and supporting regulatory inspections and audits
• Strong analytical skills; advanced Excel required, SQL or Python is an advantage
• Experience in crypto, digital assets, or e-money is an advantage
• Ability to work independently and effectively with global cross-functional teams in a fast-moving environment
• Fluent Russian and English required; Kazakh strongly preferred

• Competitive salary and company benefits
• Opportunities for career growth and continuous learning
• Autonomy in an innovative environment
• Collaboration with world-class talent in a user-centric global organization with a flat structure