About ZapCash ZapCash is a digital personal finance platform focused on making borrowing simple, safe, and transparent for users. Through a secure Instant Personal Loan App, ZapCash offers a fully online, paperless process with quick approvals, direct disbursement, and no hidden charges. The platform supports a wide range of personal finance needs, from life milestones to unexpected emergencies. In addition to lending, ZapCash provides free digital tools for budgeting, CIBIL score checking, and EMI planning to promote financial literacy and responsible borrowing. The company is committed to transparent lending practices, bank-grade security, and helping users build healthy money habits. Job Summary The Chief Risk Officer (CRO) is a full-time, on-site role based in Delhi, India, responsible for leading ZapCash’s overall risk strategy and framework. The CRO will design and implement enterprise-wide risk management policies, covering credit, market, operational, and regulatory risks across the digital lending lifecycle. We are looking for an experienced Chief Risk Officer (CRO) to lead and oversee the organisation's overall credit risk strategy, policy, underwriting, portfolio management and risk governance. The ideal candidate should have extensive experience in unsecured personal loans, consumer lending and digital lending businesses, with a strong understanding of credit risk management across the entire lending lifecycle. The candidate will be responsible for building and strengthening the risk framework, driving sustainable portfolio growth, managing credit costs, improving portfolio quality and balancing business growth with risk appetite.

Key Responsibilities
• Develop and own credit risk strategies and policies for unsecured personal loans, including risk appetite, eligibility criteria, underwriting frameworks and risk-based pricing.
• Continuously optimise policies based on portfolio performance, customer behaviour and business objectives.
• Lead end-to-end underwriting,



credit assessment and loan approval strategies across digital lending channels.
• Strengthen bureau-based and alternate-data underwriting while balancing approval rates and portfolio quality.
• Partner with Product, Technology and Business teams to enhance credit decisioning.
• Own portfolio quality, monitoring DPD, roll rates, bounce rates, GNPA, delinquency and credit costs.
• Drive portfolio optimisation, early warning mechanisms and corrective risk strategies to minimise losses and ensure sustainable growth.
• Drive risk-led collections and recovery strategies in coordination with Collections and Operations teams.
• Improve delinquency management, recovery rates and collection efficiency through risk-based customer segmentation.
• Establish fraud prevention and risk mitigation frameworks across the lending lifecycle.
• Ensure compliance with applicable RBI regulations, internal risk policies and responsible lending practices.
• Partner with the CEO, founders and senior leadership to align risk strategy with business growth.
• Build and lead credit risk, underwriting and portfolio management teams.
• Collaborate with Product, Technology, Data Science, Finance and Operations teams, taking ownership of overall credit risk outcomes. Qualifications
• 8–12 years of experience in Credit Risk Management, Consumer Lending, Digital Lending or NBFCs.
• Significant hands-on experience in unsecured personal loans and consumer lending portfolios.
• Prior leadership experience as CRO, Chief Credit Officer, SVP/VP
- Credit Risk, Head of Risk or Head of Credit & Policy.
• Robust experience in credit policy formulation, underwriting strategy, portfolio risk management and credit decisioning.
• Demonstrated ownership of portfolio quality, delinquency management, credit costs and risk mitigation.
• Experience managing and scaling risk teams in fintech, digital lending or NBFC environments.
• Robust understanding of fraud risk, collections strategy, responsible lending and regulatory compliance If you have similar skill-sets please write to us on [email protected]

📌 Chief Risk Officer (India)
🏢 ZapCash
📍 India