Risk / Policy Lead - Gold Loans

Function

Risk Manager- Gold Loan

Job Purpose

To support the design, development, and monitoring of credit risk policies and risk frameworks for the Gold Loan business. The role involves strong risk analytics, understanding of secured lending, gold appraisal standards, regulatory compliance, and collaboration with branch, product, and underwriting teams to ensure safe and scalable portfolio growth.

Role

Policy Development & Management

• Support in designing and updating credit policies for gold loans.
• Establish frameworks for LTV (Loan-to-Value) norms, product slabs, ticket size rules, customer segmentation, pre-sanction validations, and renewal policies.
• Draft policy notes, circulars, exception matrices, and rollout communication.
• Maintain documentation for policy versions, approvals, and audit trails.

Portfolio Risk Analytics

• Monitor key portfolio metrics including auction volumes, renewal performance, delinquency trends, bounce rates, vintage analysis, flow rates etc.
• Conduct deep dives to identify emerging risks (e.g., abnormal closures, unusual prepayments, appraisal discrepancies) and recommend timely corrective actions.
• Track performance of policy changes and run post‑implementation impact analyses.
• Support periodic review of internal risk limits, triggers and exposure norms.

Cross‑Functional Collaboration

• Liaise with business, product, operations, collections, audit and compliance for policy related actionable.
• Partner with tech teams for implementation of risk rules in LOS/LMS.

Monitoring & Reporting

• Prepare dashboards and management reports on portfolio health.
• Automate monitoring and alert mechanisms for early warning indicators.
• Monitoring and reporting regulatory aspects for Gold Loan product.

Qualification & experience

• 3 to 5 years of experience in credit risk (Gold Loan Product).
• Mandatory Qualification – MBA(finance) / CA

Essential skills

• Strong understanding of Gold loan product.
• Analytical mindset with attention to detail.
• Excellent communication and report-writing skills.
• Proficiency in MS Excel, PowerPoint, and data visualization tools.
• Ability to work cross-functionally and manage multiple stakeholders.

Ideal candidate (in terms of current role/ organization/ industry)

Risk Manager in a reputed mid-sized or large HFC/Bank/Fin-tech lending space.