Lead Risk Strategist, Wholesale Lending

7 days ago

Chennai, Tamil Nadu, India MetaMorph Full time

About MetaMorph:

We are a strategic partner to startups, empowering them to scale and innovate by placing people at the center of their strategy. With a proven track record of supporting over 220 startups, we specialize in aligning talent with organizational needs, enhancing employee skills, and transforming employer brands.

Our data-driven insights fuel decision-making and provide comprehensive support for both acquisition and being acquired, ensuring you are covered from every angle—360°

About Our Client:

Our client is a fintech company focused on unlocking access to tailored finance for women, agriculture, and nano entrepreneurs.

The mission is to build a digital ecosystem ensuring finance for everyone, everywhere.

(More about the company)

Job Overview:

This role demands a strategic mindset, strong analytical skills, and a deep understanding of the NBFC sector and regulatory landscape in India. The ideal candidate will be an experienced risk management leader, capable of managing and mitigating risks in alignment with our growth objectives, regulatory requirements, and growing shareholder values.

Key Responsibilities:

  • Risk Strategy & Framework Development:
    • Evaluate and implement a comprehensive risk management framework that aligns with business goals, regulatory requirements, and market conditions.
    • Oversee risk identification, assessment, and mitigation strategies across all major risk types, including credit, market, operational, and compliance risks.
    • Ensure policies and frameworks are kept updated to identify, assess, monitor, measure, and control a broad spectrum of risks.
    • Monitor emerging credit risks (e.g., credit fraud, economic downturns) and recommend proactive measures.
  • Credit Risk Management:
    • Manage risk for the retail and wholesale portfolio.
    • Work with the credit team to develop robust risk assessment tools, especially for lending products offered to diverse customer segments in India.
    • Strong and deep understanding of the business.
    • Ensure effective and continuous portfolio monitoring, stress testing, and forecasting to identify and manage potential default risks.
  • Operational and Regulatory Compliance for Credit:
    • Ensure compliance with regulatory reporting guidelines issued by RBI and other authorities.
    • Ensure timely regulatory reporting, organized audits, and lead initiatives to improve compliance culture across the organization.
    • Ensure that credit risk management controls, systems, and processes are working like clockwork.
  • Data-Driven Risk Management:
    • Leverage data analytics, AI, and machine learning tools to enhance data insights for risk control, provide inputs to improve risk modeling, fraud detection, and early-warning systems.
    • Implement advanced data-driven strategies for more accurate risk assessment and mitigation.
    • Work closely with business partners and stakeholders to recommend approaches that will improve our ability to address emerging business issues and trends.
    • Work with Data Science and Product teams to develop new capabilities based on risk requirements needed by partners.
  • Risk Reporting & Stakeholder Communication:
    • Prepare and present regular risk reports to senior management and the board, providing insights into portfolio performance, emerging risks, and key risk indicators.
    • Foster a risk-aware culture across the organization through training and risk management education for employees and other stakeholders.

Salary Range: ₹30-50 lakhs per annum

Required Skills and Qualifications:

  • A Master's degree in finance, economics, risk management, or a related field.
  • A minimum of 8-10 years of experience in risk management, ideally in the NBFC, banking, or financial services sector, with at least 3 years in a leadership role.
  • Experience in both wholesale and retail lending would be preferred.
  • Strong knowledge of credit risk, market risk, and operational risk in the context of an NBFC; familiarity with RBI regulations.
  • Proficiency in risk management and data analytics tools, ideally including Python and SQL.
  • Advanced analytical skills, with experience in quantitative risk modeling, portfolio analysis, and forecasting.

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