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Location:

Cairo, Egypt

Employment Type:

Full-Time

Job description:

We are seeking an experienced risk professional to join enza as Head of Risk for Enza for Electronic Payments S.A.E. (enza Egypt), our Egyptian payment service provider (PSP) business. This is a key control function under the Central Bank of Egypt (CBE) Governance and Internal Control Instructions for payment institutions, and the appointment requires the CBE’s prior written approval.

The Head of Risk will run an independent risk management function that reports to the Board Risk Committee, and is independent of the Managing Director and the executive management whose activities it oversees. It will own enza Egypt’s risk management framework and give the Board an independent view of the risks the business is running.

The ideal candidate combines real depth in payments and operational risk with the standing and judgement to challenge senior management, in a business that is growing quickly.

Key responsibilities:

1. Risk Framework & Reporting

– Design, implement and maintain the risk policy, framework and risk register, covering business, settlement, operational, counterparty, liquidity, market, reputational, legal, financial crime and information security risk

– Report to the Risk Committee and the Board at least every six months, and escalate material risk events and breaches promptly

2. Operational, Technology & Third Party Risk

– Run risk and control self-assessments, key risk indicators, and incident and loss event reporting across processing, switching and merchant services

– Provide independent challenge on information security and cybersecurity risk, including alignment with PCI DSS

– Monitor the risks of outsourced providers and agents, including card schemes, sponsor banks, and cloud and technology vendors

3. Financial, Settlement & Fraud Risk

– Monitor settlement, liquidity and counterparty risk, including the safeguarding of customer funds

– Oversee the fraud risk framework and challenge fraud controls, loss trends and thresholds

– Set limits and escalation triggers, and monitor adherence to them

4. Resilience & Change

– Provide independent oversight of business continuity planning and testing, and run documented stress tests across all risk types, including worst-case scenarios, for the Risk Committee

– Assess the risks of new products, services, markets and partners before launch

5. Regulatory Engagement & Team

– Respond to CBE queries and inspections on risk matters, and track regulatory change affecting risk

– Build and lead the risk team with adequate resources, and train staff on risk and business continuity procedures

Required Skills and Experience:

– Degree in finance, economics, engineering or a related discipline. A professional risk qualification (FRM, PRM, CRISC or equivalent) is preferred

– At least 10 years in risk management, including 5 or more in payments, banking or fintech, with experience leading a risk function

– Strong working knowledge of payment systems, card schemes, and operational and technology risk

– Experience engaging with the CBE or a comparable regulator

– Fluent Arabic and English, written and spoken

– Meets the CBE fit and proper criteria (integrity, competence, sound financial standing and independence), and will complete the CBE nomination forms and any interview

– No conflicting executive or business role, and the time to give this one full attention

– The credibility to challenge senior management

Why join enza?

– Build a regulated risk function, reporting to the Board Risk Committee

– Work with a senior team that treats risk as a business discipline

– Be part of an ambitious fintech transforming Africa’s payments landscape

Applications:

Click on the button below to send your CV and covering letter adding the job title and your name in the subject line.

Closing date for applications:

Applications must be received before the 22nd of October 2026