Chief Risk Officer

5 days ago

Gurgaon, Haryana, India Mobikwik Full time ₹ 15,00,000 - ₹ 60,00,000 per year

Role & 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 Boards 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, behavioral 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.

Preferred candidate profile

1. Experience: 15+ years of progressive leadership in Risk, Fraud, Financial Crime, or Cybersecurity roles, with significant senior experience in FinTech, Payment companies, or Banks.

2. Domain Knowledge:

  • Deep knowledge of digital payments (UPI, cards, wallets, BBPS, merchant acquiring, cross-border).
  • Strong exposure to merchant risk, chargebacks, disputes, and onboarding risk.
  • Understanding of lending fraud, first-party default, synthetic IDs, and wholesale/commercial banking risk.
  • Solid grounding in AML, KYC/KYB, RBI operational frameworks, and enterprise risk frameworks.

3. Technical Acumen: Familiarity with fraud monitoring systems (Actimize, Falcon, SAS, Feedzai, or custom ML models).

4. Leadership & Stakeholder Skills:

  • Credibility in engaging with Boards, Regulators (RBI, FIU, SEBI), Auditors, and Investors.
  • Proven ability to challenge and guide business teams constructively while enabling growth.
  • Track record of building and leading large, multi-disciplinary teams.
  • Excellent communication: ability to simplify complex risks for varied audiences (Board, CXO, regulators, operational teams).

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