Risk Policy Head

2 weeks ago


Gurgaon, Haryana, India Stashfin Full time

We are seeking a highly skilled and strategic Head of Risk Policy to lead our risk management initiatives. This role requires a deep understanding of credit risk models, data analytics, and policy formulation.


The ideal candidate will work closely with our Data Sciences team to build and refine risk models, oversee risk, collection & recovery analytics, and engage with partners to define appropriate risk policies.


The Head of Risk Policy will be the owner and custodian of the risk models, ensuring they are robust, compliant, and effective in mitigating risk.



Main Responsibilities
Risk & Credit Model Management
  • Develop, implement, and maintain risk and credit models.
  • Collaborate with the Data Sciences team to ensure models are accurate and effective.
  • Continuously monitor and refine models to adapt to changing market conditions.

Policy Formulation
  • Formulate and update risk policies for various lending products.
  • Ensure policies are aligned with industry standards and regulatory requirements.
  • Communicate policy changes to relevant stakeholders and provide training as needed.

Analytics & Reporting
  • Oversee risk, collection, and recovery analytics teams.
  • Develop comprehensive reports to track portfolio performance and identify risk trends.
  • Utilize data analytics to make informed decisions and provide actionable insights.

Stakeholder Engagement
  • Engage with partners to define and agree on risk policies.
  • Represent Stashfin in industry forums and maintain relationships with regulatory bodies.
  • Collaborate with internal teams (e.g., Credit, Operations, Legal) to ensure seamless policy implementation.

Performance Monitoring
  • Monitor and analyze portfolio performance, identifying stress segments and early warning signals.
  • Implement strategies to mitigate losses and optimize portfolio quality.
  • Present findings and recommendations to senior management and the board.

Requirements include a Bachelor's or Master's degree in Finance, Economics, Statistics, Business Administration, or a related field. Chartered Accountant (CA) qualification is highly desirable. CFA Level 3 candidacy is a plus.


10+ years of experience in risk management, credit policy formulation, and analytics within the financial services industry are required. Proven track record of managing risk models and formulating risk policies is essential.


Strong analytical and problem-solving skills, excellent communication and interpersonal skills, and the ability to lead and manage cross-functional teams are necessary.


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