Risk Lead - NBFC

• Description:

• Risk Lead Secured Lending (DGM/GM Level)
• Location: Gurgaon (Work from office + some field travel)
• Education: Graduate / MBA
• Experience: 10-12 years

About the Company:

Our client is a fast-growing fintech company building innovative lending solutions around gold loans. They are backed by strong investors and are on a mission to help people unlock the value of their assets in a simple and secure way.

About the Role:

We are looking for a Risk Lead who will build and manage the risk function for the companys NBFC (lending business).

This is a high-impact role where you will:

• Own credit risk, policy, and portfolio health
• Work closely with business, product, and collections teams
• Play a key role in scaling the lending business

This role offers a clear path to becoming Chief Risk Officer (CRO) in 1824 months.

What You Will Do:

Risk & Policy

• Design and improve credit policies and risk rules
• Define LTV limits, loan structures, and risk controls
• Ensure proper gold valuation and pricing standards

Portfolio Monitoring

• Track daily loan performance and risk triggers
• Monitor early warning signals and take corrective action
• Work on improving portfolio quality and reducing losses

Collections & Recovery

• Work with collections team on recovery strategies
• Define processes for handling overdue and risky accounts

Auction & Loss Management

• Oversee auction processes for defaulted loans
• Track recovery rates and minimize losses

Compliance & Governance

• Ensure adherence to RBI and NBFC regulations
• Support internal audits and risk reviews

Systems & Data

• Improve risk dashboards and reporting
• Work with tech teams to automate risk processes
• Use data to drive decisions

Team Leadership

• Lead a small team across risk, policy, and analytics
• Build a strong, disciplined risk culture

What Were Looking For:

Must Have:

• 10-12 years in secured lending risk (gold loans, LAP, MSME loans, etc.)
• Experience in credit policy, underwriting, or portfolio risk
• Understanding of NBFC/RBI regulations
• Strong analytical and problem-solving skills
• Experience working with cross-functional teams

Good to Have:

• Experience in gold loans
• Exposure to collections or field operations
• Experience with risk systems / automation

Why Join?

• Fast-track to CRO role in 2 years
• Work directly with founders
• High-growth, high-impact environment
• Strong learning + wealth creation opportunity