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 positive for each other.

Job Description

Key Responsibilities

Risk Strategy & Policy

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

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





Portfolio Monitoring & MTM Controls

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

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

Auction & Loss Management

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Support empanelment and monitoring of auction houses.

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

Collections & Channel Risk

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

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Track recoveries and recommend corrective measures based on data insights.

Regulatory & Governance

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

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Support weekly Risk Parameter Committee and board reporting.

Data, Analytics & Tooling

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

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

People & Culture

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

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

Requirements

What You Bring

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

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

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

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

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Strong problem-solving and cross-functional leadership skills.

Benefits

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

📌 Risk Lead (Haryana)
🏢 Indiagold
📍 Haryana