Chief Risk Officer

2 weeks ago

Gurgaon, Haryana, India Hireginie Full time ₹ 20,00,000 - ₹ 50,00,000 per year

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 Loans

Location: Gurgaon/Delhi NCR

Education: 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/fintech

Roles & Responsibilities:

Risk Strategy & Policy

  • Define/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 Management

  • Ship daily loan-level MTM, call lists, and intraday Δ triggers.
  • Design and enforce the margin-call ladder remedial actions.

Auction & Loss Severity

  • Empanel and manage auction houses; enforce time-to-hammer and auction LGD per lot; track LGD triangles and hammer-to-reserve ratios.

Portfolio Limits & Early Warning

  • Run 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 Risk

  • Set playbooks; calibrate FoS, tele-calling, and DSA controls; clawbacks and quality gates.

Regulatory & Governance

  • Ensure RBI NBFC guidelines, Fair Practices Code, KYC/AML, repossession/auction notices, grievance mechanics; run Risk Parameter Committee weekly; board reporting.

Data, Models & Tooling

  • Lead 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 & Culture

  • Build/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).

  • Chief Information Security Officer

    6 days ago

    Gurgaon, Haryana, India gHRig People Solutions Full time

    Position Title: Chief Information Security Officer (CISO)Location: GurugramReports To: CEO /CTOEmployment Type: Full-TimeExperience: 10–15 years, with minimum 5 years in NBFC/financial servicesPosition SummaryThe Chief Information Security Officer (CISO) is a CXO-level executive responsible for establishing and leading the organization's information...

  • Chief Financial Officer

    6 days ago

    Gurgaon, Haryana, India KESARI ALLOYS PRIVATE LIMITED Full time

    Company DescriptionKESARI ALLOYS PRIVATE LIMITED is an IBR & ISO-certified manufacturer of high-quality carbon, alloy, and stainless steel products, including ingots, blooms, and rolled bars. Trusted by over 5,000 prominent clients such as Mahindra, ONGC, SAIL, TATA, and more, Kesari Alloys is renowned for its client-oriented approach and global reach....

  • Chief Technology Officer

    6 days ago

    Gurgaon, Haryana, India Uberlife Consulting Full time

    Role & responsibilitiesIndustry:  Project Management Consultants /PMC/ Engineering constructionQualification: Bachelors/ Masters in Civil EngineeringReporting to Direct ManagementWork Days: 5 days - Gurgaon , Travelling might be requiredPosition Summary: We are seeking a seasoned and highly respected Chief Technical Officer (CTO) to provide strategic...

  • Executive Assistant to Chief Executive Officer

    4 days ago

    Gurgaon, Haryana, India Nfilade Security Solutions Full time

    Company DescriptionNfilade Security Solutions (NSS) is a leading risk management company specializing in the protection of personnel, digital assets, and physical infrastructure. Serving industries such as banking, technology, pharmaceutical, manufacturing, and financial services, NSS develops and implements customized security solutions tailored to client...

  • Risk Lead_Client_NBFC/Fintech

    17 hours ago

    Gurgaon, Haryana, India Hireginie Full time

    Our Client: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....

  • Chief Technology Officer

    2 weeks ago

    Gurgaon, Haryana, India Sparrow Shopfits Full time

    Chief Technology Officer (CTO) – Full-Time Location: Work From Office (Gurugram) / Remote Type: Full-Time | Office-Based Salary: Negotiable Openings Available: 1 Position Male/Female – Both Can Apply■ About the RoleSparrow Shopfits is hiring a Chief Technology Officer (CTO) to lead the company's complete internal technology transformation. The CTO will...

  • dgm / risk lead

    2 days ago

    Gurgaon, Haryana, India Hireginie Full time

    DGM/GM – Risk LeadOur Client: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...

  • Chief Operating Officer

    2 weeks ago

    Gurgaon, Haryana, India Cirrcle Up Full time

    Role DescriptionThis is a full-time, on-site role for a Chief Operating Officer (COO) located in Gurugram. The COO will oversee the daily operations of the organization, develop and execute business strategies, and manage financial planning including budgeting and resource allocation. The COO will be responsible for streamlining operational processes,...

  • Chief of Staff

    4 days ago

    Gurgaon, Haryana, India Talent Toppers Full time

    Job Purpose:This is a high-leverage, dual-mandate role reporting directly to the Chief Business Officer (CBO). The role will act as the CBO's strategic partner and executive operator for driving executive cadence and priority management, while simultaneously leading Process Excellence (PE) to implement data-driven process optimization across all commercial...

  • Chief Technology Officer

    2 weeks ago

    Gurgaon, Haryana, India Benovymed Healthcare Private Limited Full time

    Job Position : Chief Technology Officer/ VP / AVP (Software Engineering and Product Development) - Digital Health Global Tech Startup.Joining : Immediately. Benovymed Global HQ : Benovymed Global Technology Development & Innovation Center and Benovymed Global R and D, and AI Health Innovation Center in Gurgaon ( Delhi NCR), India.Job Description : ...