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 :

• 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.

Requirement :

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