Assistant Director - Business Development / Risk Management Unit

Job Description

Title: Assistant Director - Business Development / Risk Management Unit

Company Name: Padakhep Manabik Unnayan Kendra

Vacancy: 2

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

• 5 to 8 years
• The applicants should have experience in the following business area(s): NGO

• Bachelor/Honors

Graduate. Professional Certification in Business Development/Risk Management will be an added advantage.

• 5 to 8 years
• The applicants should have experience in the following business area(s): NGO

Padakhep, a leading development organization in Bangladesh since 1986, with the legacy of 39 years of driving change, has a network of over 700 offices and a family of more than 11,000 employees. It has contributed to the transformation of the digital economy and served over 10 million beneficiaries through a holistic development approach: CAPACITY enhancement, Financial CHOICES and market CONNECT. Padakhep Manabik Unnayan Kendra is a non-governmental development organization licensed by the Microcredit Regulatory Authority (MRA) (License No. 00181-00468-00095) and awarded as the best associate organization of Palli Karma-Sahayak Foundation (PKSF). For more details, visit www.padakhep.org.

• Support and contribute to the review and development of Strategic Plan and annual Delivery Plan; including assisting with the coordination of the mid-term review of the Strategic Plan.

• Guide and support Divisions in design, planning, and delivery of microfinance unit to ensure they achieve strategic and performance results.

• New Product development with feasibility study and financial model.

• Incentive Model Development.

• Tapping into untapped markets.

• Baseline study for formulating strategy for business growth.

• Market research.

• Undertake research, where and when necessary, on issues of strategic importance and relevance to the implementation of the Strategic Plan.

Credit Risk Management

• Assess borrower repayment capacity through credit appraisal and group-lending methodologies.

• Monitor loan portfolio quality (e.g., PAR - Portfolio at Risk).

• Set and enforce credit policies, limits, and underwriting standards.

• Ensure diversification across geography, sectors, and borrower groups.

Operational Risk Management

• Identify and mitigate risks arising from staff misconduct, fraud, errors, and weak internal processes.

• Implement strong internal controls, field monitoring, and audits.

• Coordinate to Digitize loan disbursement and collection to reduce cash handling risks.

Market Risk Management

• Monitor interest rate Fluctuations that may affect sustainability.

• Ensure alignment between liabilities (borrowings from banks/investors) and assets (loans to clients).

Compliance & Regulatory Risk

• Ensure the MFI complies with local central bank/MFI regulatory authority guidelines.

• Follow responsible lending practices to avoid over-indebtedness of clients.

• Implement anti-money laundering (AML) and Know Your Customer (KYC) policies.

Risk Mitigation: Developing and implementing strategies and controls to reduce or eliminate risks, including:

• Diversification: Spreading investments and loan portfolios across different industries and borrowers to avoid concentration risk.

• Internal Controls: Establishing robust policies and procedures to prevent fraud, errors, and non-compliance.

• Third-Party Risk Management: Assessing and managing risks associated with vendors and external partners.

• Prepare & submit monthly risk report of microfinance operation.

• Prepare Risk Management Guideline for microfinance operation & review it quarterly.