[Hiring] Director of Risk Strategy @Tiko

Role Description

This role involves designing, implementing, and continuously strengthening enterprise-wide risk management across Tiko’s digital ecosystem.

• Lead a technology-first Enterprise Risk Management strategy across platforms, partners, markets, and user groups.
• Own and maintain the organisational risk register, ensuring accurate and up-to-date enterprise risk documentation.
• Define and drive a Risk Automation Roadmap, embedding automated controls, biometric verification, and digital identity assurance into product and operational workflows.
• Provide the Executive team with predictive, data-driven risk insights derived from analytics and automated risk signals.
• Integrate risk strategy into platform architecture, data pipelines, AI models, and claims or reimbursement workflows.
• Champion a prevent-by-design approach, embedding risk prevention mechanisms directly into technology systems.
• Ensure automated preventative controls such as biometric validation, geolocation rules, eligibility checks, and abnormal claim detection are integrated into feature design.
• Drive the adoption of self-correcting and continuously improving control mechanisms.
• Oversee the development of an automated detection ecosystem, including machine learning fraud models, risk scoring, biometric anomaly detection, and behavioural analytics.
• Ensure early identification of identity spoofing, impersonation, manipulated claims, coordinated fraud, and abnormal utilisation patterns.
• Lead rapid, technology-enabled responses such as automated account lockdowns, geo-blocking, biometric re-verification, and dynamic rule updates.
• Oversee internal audit processes with emphasis on automated audit testing and digital verification.
• Integrate technology-enabled risk controls into partner onboarding and monitoring processes.
• Lead and mentor a team of risk professionals, fostering a culture of proactive risk identification and mitigation.

Qualifications

• Master’s degree in Finance, Business, Risk Management, or a related quantitative field.
• Professional certification such as FRM, PRM, or similar is strongly preferred.
• 10–15 years of progressive experience in risk management, including substantial experience within financial services, fintech, health, or insurance environments.
• Proven experience leading Enterprise Risk Management frameworks aligned with global standards such as ISO 31000.
• Strong technical expertise in risk modelling, data analytics, machine learning applications in fraud detection, and ERM systems.
• Demonstrated experience embedding automated risk controls within digital platforms and product ecosystems.
• Strong executive communication skills, with the ability to provide strategic insights to senior leadership and donors.
• Proven leadership experience managing and developing risk teams.
• Strong analytical capability, regulatory understanding, and commitment to ethical standards.

Requirements

• Gross monthly salary brackets for this position are:
• South Africa: R124,000 - R150,000
• Kenya: Ksh952,000 - Ksh1,190,000
• Uganda: UGX25,734,000 - UGX32,168,000
• Ethiopia: €6,960 - €8,700
• Great secondary benefits, such as health and accident insurance and a work-from-home package.
• A personal development budget.
• Unlimited holidays, if you can make it work with your team you’re good to go.
• Growth opportunities.
• A product to help shape as we grow, to leave your mark on how we do things.
• A vision that we trust that you will do your job without us having to invent unnecessary rules and regulations.

Benefits

• Interested? Click Apply for This Job!
• Want more information? Check out our website tikoafrica.org or contact our Global Recruiter.
• We only accept applications through the apply links, not by email.