Key Responsibilities

Risk Strategy & Policy

- Support the design and governance of LTV × tenor grid, AUM caps, and circuit-breakers across cohorts.

- Maintain valuation policy (assaying, purity haircuts, price governance, AM/PM sources).

Portfolio Monitoring & MTM Controls

- Run daily mark-to-market reports, breach tracking, and early-warning dashboards.

- Co-own margin call playbooks and recovery actions with Collections.

Auction & Loss Management

- Support empanelment and monitoring of auction houses.

- Track auction turnaround times, hammer-to-reserve ratios, and LGD metrics.

Collections & Channel Risk

- Develop playbooks for tele-calling, field collection, and DSA quality governance.

- Track recoveries and recommend corrective measures based on data insights.

Regulatory & Governance

- Ensure RBI NBFC compliance, KYC/AML, Fair Practices Code, repossession and auction norms.

- Support weekly Risk Parameter Committee and board reporting.

Data, Analytics & Tooling





- Strengthen LOS/LMS controls, dashboards, and breach alerts.

- Collaborate with tech to automate early-warning systems and portfolio risk reports.

People & Culture

- Lead a small team across policy, analytics, and audit functions.

- Build a strong “measure–act–govern” culture in every process.

Requirements

What You Bring

- 10–12 years in consumer secured lending (gold loans preferred) across policy, risk, or collections.

- Strong working knowledge of LTV design, MTM, auction, and doorstep operations.

- Exposure to RBI NBFC risk norms and audit/regulatory compliance.

- Data-first mindset: comfort with Excel/BI tools; able to design and monitor KPIs daily.

- Strong problem-solving and cross-functional leadership skills.

Perks

Compensation: Competitive fixed + performance bonus + ESOPs + health cover + mobility support

📌 Risk Lead (Gurugram)
🏢 Nameless
📍 Gurugram