Job Information

- Date Opened 01/12/2026
- Job Type Full time
- Industry Financial Services
- Work Experience 5+ years
- City Sector -45
- State/Province Haryana
- Country India
- Zip/Postal Code 122003

About Us

indiagold has built a product & technology platform that enables regulated entities to launch or grow their asset backed products across geographies; without investing in operations, technology, people or taking any valuation, storage or transit risks. Our use of deep-tech is changing how asset backed loans have been done traditionally. Some examples of our innovation are – lending against digital gold, 100% paperless/digital loan onboarding process, computer vision to test gold purity as opposed to manual testing, auto- scheduling of feet-on-street, customer self-onboarding, gold locker model to expand TAM & launch zero-touch gold loans, zero network business app & many more.

We are rapidly growing team passionate about solving massive challenges around financial well-being.

We are a rapidly growing organisation with empowered opportunities across Sales, Business Development, Partnerships, Sales Operations, Credit, Pricing, Customer Service, Business Product, Design, Product, Engineering, People & Finance across several cities. We value the right aptitude & attitude than past experience in a related role, so feel free to reach out if you believe we can be good for each other.

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.
- Solid 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.

Benefits

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

📌 Risk Lead (Gurugram)
🏢 Indiagold
📍 Gurugram