Chief Risk Officer - NBFC

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

Auction & Loss Severity

Portfolio Limits & Early Warning

Collections & Channel Risk

Regulatory & Governance

Data, Models & Tooling

People & Culture

Requirements :