Chief Risk Officer (CRO)

About the role

Freedom Digital Bank France, part of Freedom Holding Corp. (listed on the Nasdaq Capital Market), is looking for an experienced Chief Risk Officer to set up and lead its risk-management function. As a member of the founding executive team, the CRO will help with the bank's regulatory authorisation, establishment and launch in France, and will define the risk appetite so that growth stays aligned with capital, strategy and regulation.

Key responsibilities

• Establish and lead the independent risk management function.
• Develop and implement the enterprise risk management framework, including risk taxonomy, risk appetite, risk limits and monitoring.
• Oversee credit, liquidity, market, operational, technology, cybersecurity, outsourcing and concentration risks.
• Develop risk policies, procedures, methodologies and controls, and prepare risk reports for senior management, Board committees and the Board.
• Lead ICAAP, ILAAP, stress testing and scenario analysis frameworks where applicable, and contribute to recovery, capital and liquidity planning.
• Assess risks of new products, digital customer journeys, systems, partnerships and third-party providers, and ensure compliance with French and EU regulations.
• Support regulatory authorisation documentation, engage with regulators and support supervisory reviews.

Required profile

• 10+ years of risk management experience in digital banking, banking, fintech or another regulated institution.
• Previous CRO, Head of Risk, Deputy CRO or equivalent senior risk leadership role.
• Experience in a regulated European bank or financial institution.
• Full professional fluency in French and English is mandatory.

Required skills

• Enterprise risk management (ERM) and financial-sector risk frameworks.
• CRR/CRD, EBA Guidelines, ICAAP, ILAAP, recovery planning, stress testing and risk appetite frameworks.
• French supervisory expectations on credit, liquidity, market, operational, technology, outsourcing and concentration risk.
• Cybersecurity, ICT, model, data and third-party risk in a digital banking environment.
• Preferred: experience with the ACPR, ECB or EBA, and with banking authorisation or market entry in France or the EU.

What we offer

• Employment contract under French labour law.
• Relocation package for the employee and family members.
• 50% coverage of annual health insurance costs for the employee and eligible family members.
• 25 days of annual leave, public holidays and statutory leave.
• On-site work in a modern, well-located office.