GrayQuest is building India’s largest education-focused financial services platform — embedded fee financing, lending and insurance powering 7,000+ educational institutions, from leading universities to schools across the country. As we scale, the quality of our risk, credit and collections engine is what separates durable growth from fragile growth.

We are looking for an Assistant Vice President – Risk to own the design, performance and continuous optimisation of risk across the GrayQuest ecosystem. Just as significant, we expect this person to be a heavy, hands-on user of AI, someone who reaches for AI tools across almost every aspect of the function, day to day, to work faster and sharpen how we manage risk, credit and collections.

What You’ll Own
Enterprise & Portfolio Risk Management
Own end-to-end risk across the company: operational risk, institution and partner-level risk, and individual customer (parent) credit risk, within a single, integrated risk management framework spanning all GrayQuest products.
Keep NPAs,



delinquencies and credit losses within board-approved thresholds; establish and continuously refine credit-rating and scoring systems.
Set objectives for measuring, monitoring, evaluating and mitigating risk exposure, with timely, decision-grade reporting to leadership.
Champion a culture of risk awareness across the organisation, so risk thinking is embedded in product, sales and operations, not bolted on afterwards.

Policy, Scorecards & KPIs
Partner with the leadership team to define the right risk policies, underwriting scorecards and KPIs for each product and product type within the GrayQuest ecosystem.
Continuously innovate and update underwriting logic, proprietary policy rules and early- warning signals in conjunction with the Data & Analytics team.
Ensure all policies remain compliant with RBI digital lending norms, IRDAI corporate-agent requirements and the expectations of our lending partners.

Credit Underwriting & Operations
Own credit

📌 Assistant Vice President Risk Management (Mumbai)
🏢 GrayQuest
📍 Mumbai