Chief Risk Officer (Cro) — Gold Loans/Secured LoansHireginie • Bharatpur, Republic Of India, IN
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Chief Risk Officer (Cro) — Gold Loans / Secured Loans
Hireginie • Bharatpur, Republic Of India, IN
11 days ago
Job descriptionRisk Strategy & Policy Define / maintain LTV × tenor grid; Own valuation policy (assaying; stone deductions; 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; Portfolio Limits & Early Warning Run volatility regimes that auto-tighten LTVs and suspend high-LTV tiers; heatmaps by branch / DSA; Collections & Channel Risk Set playbooks; calibrate FoS, tele-calling, and DSA controls; Regulatory & Governance Ensure RBI NBFC guidelines, Fair Practices Code, KYC / AML, repossession / auction notices, grievance mechanics; run Risk Parameter Committee weekly; Data, Models & Tooling Lead LTV engine and pricing guardrails in LOS / LMS; implement dashboards (cohorts, MTM, LGD, σ, breach funnel); People & Culture Build / mentor a lean team across policy, analytics, underwriting QA, collections risk, and audit; 10 – 20 years in consumer secured lending (gold loans strongly preferred) across risk / policy / collections; Fluency in LTV / tenor design, MTM, auction processes, and doorstep operations; 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; 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).
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. Join a high-growth, mission-driven startup that offers immense learning, impact, and wealth-creation opportunities.
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
About the Role : 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.
Roles & Responsibilities :
set flow / AUM caps and circuit-breakers by different cohorts.
purity haircuts) and price governance (source AM / PM, intraday triggers).
track LGD triangles andhammer-to-reserve ratios.
stop-losses when breach or LGD thresholds trip.
clawbacks and quality gates.
board reporting.
drive analytics for repeat vs first-time borrowers.
instil a “measure-and-act” operating rhythm.
Requirement :
prior Head of Risk / CRO / Deputy CRO experience in NBFC / bank / fintech.
hands-on with IBJA pricing, valuation methods (touchstone / XRF), and custody controls.
can define KPIs and make them run every day.
#goldloanriskmanagement #riskstrategy #NBFC #valuationpricing #LTVcapping
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Risk Risk Risk • Bharatpur, Republic Of India, IN
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