Chief Risk Officer (Cro) — Gold Loans / Secured Loans

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.

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