Operational Risk Officer at Koins Microfinance Bank Limited

Koins Microfinance Bank Limited is a fully licensed technology and impact-driven microfinance bank that focuses on driving financial inclusion. Loans / Savings/ Investments.

We are recruiting to fill the position below:

Job Title: Operational Risk Officer

Location: Victoria Island, Lagos
Employment Type: Full-time

Summary

• The Operational Risk Officer is responsible for identifying, assessing, monitoring, and reporting operational and IT-related risks across the organization.
• The role ensures that appropriate controls and frameworks are in place to minimize losses, enhance business resilience, and support compliance with regulatory and internal standards.

Responsibilities

• Implement and maintain the Operational Risk and Control Framework (ORCF) in line with regulatory requirements and industry best practices.
• Conduct Risk and Control Self-Assessments (RCSAs) across business, operations, and IT functions to identify control gaps and emerging risks.
• Track and report Key Risk Indicators (KRIs), operational losses, and incidents to management for proactive risk mitigation.
• Investigate operational incidents, process failures, and system disruptions, ensuring proper root cause analysis and follow-up actions.
• Support the development, testing, and review of business continuity and disaster recovery plans to strengthen organizational resilience.
• Liaise with regulators, auditors, and internal control functions to ensure full compliance with operational and IT risk requirements.
• Provide risk advisory input on new products, processes, and technology initiatives prior to implementation.
• Foster a risk-aware culture through regular engagement, communication, and training for staff across all levels.
• Maintain an updated risk register and prepare timely reports for senior management and Board Risk Committees.
• Contribute to the continuous improvement of risk management tools, methodologies, and reporting dashboards.

Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or related field.
• Professional certification or progress in ERM, ORM, CRISC, ISO 31000, or similar is an advantage.
• 3–5 years’ experience in operational risk management, internal control, or audit within financial services.
• Strong understanding of CBN regulations, Basel II/III, and IT/cyber risk principles.
• Proficiency in Microsoft Office Suite and risk management tools/software.
• Excellent analytical, communication, and stakeholder management skills.

Benefits

• 13TH Month
• Leave Allowance
• HMO Allowance
• Hybrid work model

Application Closing Date
18th December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: careers@koinsbank.com using the Job Title as the subject of the email.