Role Overview
We are looking for an experienced Chief Risk Officer (CRO) to lead the overall risk function of the Company, with primary responsibility for credit risk, underwriting frameworks, portfolio risk and asset quality.

The Company primarily provides financing for solar projects to MSMEs and microbusinesses across rural and semi-urban India. Our borrowers often have limited formal financial documentation, making the ability to understand underlying business cash flows, assess informal income and use alternative indicators of creditworthiness particularly significant.
The CRO will be responsible for building a risk framework that allows the Company to scale its lending business while maintaining solid asset quality. The role requires a combination of robust credit judgement, portfolio-level analytical capability and the ability to build scalable risk processes and systems.

Prior experience underwriting and managing credit risk for rural MSMEs, microbusinesses or a comparable borrower segment is essential.

Key Responsibilities
Credit & Risk Strategy




• Own the Company's overall credit and risk strategy, including risk appetite, underwriting philosophy, credit policies and portfolio risk frameworks.
• Develop and continuously refine underwriting frameworks appropriate for rural and semi-urban MSMEs and microbusinesses.
• Balance business growth and financial inclusion objectives with appropriate credit discipline and portfolio quality.
• Establish appropriate risk limits, approval authorities, deviation frameworks and escalation mechanisms.
Underwriting & Credit Assessment
• Oversee the credit underwriting process and ensure consistent application of credit policies across products and geographies.
• Develop robust methodologies for assessing borrowers with informal or partially documented income, including cash-flow-based assessment and appropriate financial and non-financial proxies.
• Ensure underwriting appropriately captures business cash flows, sea

📌 Chief Risk Officer Gurugram
🏢 Outgrow Consulting
📍 Gurugram