Chief Risk Officer

2 days ago

Gurgaon, Haryana, India MobiKwik Full time ₹ 1,50,00,000 - ₹ 2,50,00,000 per year

Mobikwik is India's leading Digital Financial Services platform & Largest Digital Wallet, trusted by over 167 million users & 4.4 million businesses. As a pioneer in the Fintech space, Mobikwik empowers its users with a robust suite of services, including Digital payments, Credit & Investments. Recently, Mobikwik achieved a significant milestone with its Initial Public Offering (IPO), marking a new chapter in its journey of innovation & growth. With a mission to democratize financial inclusion, Mobikwik continues to transform how Indians manage their money, offering secure, seamless & user-friendly solutions that cater to a diverse range of financial needs.

Job Title: Chief Risk Officer

Location: Gurgaon

About the Role:

As a Chief Risk officer, you will define and lead the
Enterprise Risk Management (ERM)
framework, encompassing strategic, financial, operational, cyber, and fraud risks. You'll bring sharp insights, emerging risk intelligence, and actionable governance to the table. Your core focus will be P
ayments & Transaction Risk
— ensuring secure, scalable, and compliant experiences across UPI, wallets, BBPS, cards and merchant flows.

Responsibilities:

1.
Enterprise Risk & Governance

  • Define and lead the Enterprise Risk Management (ERM) Framework covering strategic, financial, operational, compliance, fraud, and cyber risks.
  • Establish and maintain risk appetite and tolerance levels aligned with Board directives and regulatory expectations.
  • Serve as Secretary to the Board's Risk & Audit Committees, presenting dashboards, emerging risks, and actionable insights.

2.
Payments & Transaction Risk (Core Focus)

  • Provide deep oversight of payments risk across UPI, cards, wallets, BBPS, merchant acquiring, cross-border flows, and payout ecosystems.
  • Strengthen onboarding controls (KYC/KYB, merchant underwriting, synthetic ID detection).
  • Implement advanced transaction monitoring: rules engines, velocity limits, device fingerprinting, behavioural analytics, anomaly detection.
  • Oversee disputes, chargebacks, and merchant fraud, driving root-cause fixes and recovery strategies.
  • Balance secure yet frictionless journeys for customers and merchants.

3.
Fraud & Financial Crime

  • Lead fraud risk management across consumer and merchant channels.
  • Monitor emerging fraud patterns (UPI/social engineering scams, mule accounts, merchant collusion, synthetic identities, phishing).
  • Ensure strong AML/CFT programs including suspicious transaction monitoring, reporting, and FIU engagement.
  • Align fraud prevention with global best practices and RBI expectations.

4.
Credit, Operational & Regulatory Risk

  • Oversee credit risk controls across digital lending, and merchant credit lines.
  • Establish operational risk frameworks covering process risk, outsourcing/vendor risk, and business continuity.
  • Ensure full compliance with RBI Master Directions (KYC, PPI, BNPL, Digital Lending), data protection laws, and statutory reporting.

5.
Technology, Analytics & Risk Infrastructure

  • Oversee deployment of fraud monitoring and risk management platforms (Actimize, Falcon, SAS, Feedzai, ML models).
  • Partner with Data Science & Engineering to embed real-time risk scoring into onboarding, payments, and merchant flows.
  • Build predictive dashboards and KRIs for early warning signals and Board reporting.

Requirements :

  • Experience: 15+ years of progressive leadership in Risk, Fraud, Financial Crime, or Cybersecurity roles, with significant senior experience in fintechs, payment companies, or banks.

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