Chief Risk Officer - Credit Risk - FinTech Firm

Your Role & Key deliverables:
In this role, you will be the ultimate custodian of the companys platform stability and risk management while achieving the following:
1. Strategic Credit Risk Management:
- Credit Portfolio Engineering: Define the firms Risk Appetite and Risk Strategy to optimize the risk-return profile of future loan disbursals. The platform has a sophisticated risk management framework and has disbursed 17,000 Cr+ in loans. Now it needs to be reworked for future growth.
- Quantitative Strategy: Oversee the lifecycle of proprietary Risk Models, ensuring rigorous Model Validation and the deployment of real-time Early Warning Systems (EWS).
2. Enterprise & Operational Governance:
- ERM Framework Design: Build an end-to-end Enterprise Risk Management (ERM) roadmap, integrating RCSA (Risk & Control Self-Assessment) into the DNA of every business unit.

- Prudential & IT Risk: Mitigate systemic vulnerabilities across IT infrastructure, Cyber-security, and Business Continuity Planning (BCP).
- Transactional Integrity: Minimize Transactional Risk and fraud through automated, data-driven surveillance and KRI monitoring.
3. Regulatory Advocacy & Leadership:
- Regulatory Diplomacy: Act as the primary interface for regulatory bodies, shaping the platform's posture on Prudential Risk and Regulatory Information Services (RIS).
- Board-Level Reporting: Translate complex risk metrics into strategic insights for the Board and investors, fostering a culture of transparency and proactive risk-taking.
4. Organizational Leadership & Team Building:
- Function Design: Post-onboarding, you will be responsible for strengthening, mentoring, and leading a high-performing Risk Team.
- Culture Transformation: Evangelize a "Risk-as-an-Enabler" culture across the organization, ensuring every business unit operates within established guardrails.
Must-Haves Skills:
- Experience: 12+ years in Financial Risk, with at least 5 years in a senior leadership role. Proven mastery in Credit Risk within high-volume Retail/Fintech lending.
- Core Skills: Mastery of Basel Accords/Credit Risk Modeling, Asset Liability Management (ALM), and Risk Analytics within a tech-driven environment.
- Regulatory Record: Deep understanding of the Indian regulatory landscapes and demonstrated success in managing large-scale Regulatory Audits and RBI relationships.
Education:
- Bachelors degree in Finance, Economics, or related field (e.g., CA/CS/LL.B).
- Professional certification (FRM, CFA, or PRM) is strongly preferred.