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

Perks

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

📌 Risk Lead Gurugram
🏢 Nameless
📍 Gurugram