Chief Risk Officer

2 weeks ago

bangalore, India Hireginie Full time

Our client is a venture-backed financial technology company revolutionizing how India saves, invests, and accesses credit through its most trusted asset — Gold. With a mission to empower millions of households to unlock the true value of their assets, the company is building innovative solutions that promote financial independence and security. Join a high-growth, mission-driven startup that offers immense learning, impact, and wealth-creation opportunities.The CRO will design and run the risk “machine” that keeps LTV breaches rare, cures fast, and auctions clean. You’ll own policy, models, monitoring, collections posture, and governance across acquisition channels.Title: Chief Risk Officer (CRO) — Gold LoansLocation: Gurgaon/Delhi NCREducation: Graduate/ MBA / PGDM/ CA/ FRM/ CFA (Finance / Risk / Operations / Banking)Experience: 10–20 years in consumer secured lending (gold loans strongly preferred) across risk/policy/collections; prior Head of Risk/CRO/Deputy CRO experience in NBFC/bank/fintechRoles & Responsibilities:Risk Strategy & PolicyDefine/maintain LTV × tenor grid; set flow/AUM caps and circuit-breakers by different cohorts.Own valuation policy (assaying; stone deductions; purity haircuts) and price governance (source AM/PM, intraday triggers).Mark-to-Market & Margin ManagementShip daily loan-level MTM, call lists, and intraday Δ triggers.Design and enforce the margin-call ladder remedial actions.Auction & Loss SeverityEmpanel and manage auction houses; enforce time-to-hammer and auction LGD per lot; track LGD triangles and hammer-to-reserve ratios.Portfolio Limits & Early WarningRun volatility regimes that auto-tighten LTVs and suspend high-LTV tiers; heatmaps by branch/DSA; stop-losses when breach or LGD thresholds trip.Collections & Channel RiskSet playbooks; calibrate FoS, tele-calling, and DSA controls; clawbacks and quality gates.Regulatory & GovernanceEnsure RBI NBFC guidelines, Fair Practices Code, KYC/AML, repossession/auction notices, grievance mechanics; run Risk Parameter Committee weekly; board reporting.Data, Models & ToolingLead LTV engine and pricing guardrails in LOS/LMS; implement dashboards (cohorts, MTM, LGD, σ, breach funnel); drive analytics for repeat vs first-time borrowers.People & CultureBuild/mentor a lean team across policy, analytics, underwriting QA, collections risk, and audit; instil a “measure-and-act” operating rhythm.Requirements: 10 – 20 years in consumer secured lending (gold loans strongly preferred) across risk/policy/collections; prior Head of Risk/CRO/Deputy CRO experience in NBFC/bank/fintech.Fluency in LTV/tenor design, MTM, auction processes, and doorstep operations; hands-on with IBJA pricing, valuation methods (touchstone/XRF), and custody controls.Built risk systems end-to-end: rules in LOS/LMS, dashboards, alerting, audit trails.Strong regulatory grasp: RBI NBFC norms, repossession & auction requirements, FPC, KYC/AML.Data-first operator: SQL/BI comfort; can define KPIs and make them run every day.Experience with tele-calling/doorstep networks and DSA governance.Auction partner network in North/West India.Prior exposure to volatility-linked risk controls or treasury hedging (even if not used).

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