DGM Risk LEAD (NBFC/Fintech)

You’ll own policy, models, monitoring, collections posture, and governance across acquisition channels.\n\nRoles & Responsibilities:\nRisk Strategy & Policy\nDefine/maintain LTV × tenor grid; set flow/AUM caps and circuit-breakers by different cohorts.\nOwn valuation policy (assaying; stone deductions; purity haircuts) and price governance (source AM/PM, intraday triggers).\nMark-to-Market & Margin Management\nShip daily loan-level MTM, call lists, and intraday Δ triggers.\nDesign and enforce the margin-call ladder remedial actions.\nAuction & Loss Severity\nEmpanel and manage auction houses; enforce time-to-hammer and auction LGD per lot; track LGD triangles and hammer-to-reserve ratios.\nPortfolio Limits & Early Warning\nRun volatility regimes that auto-tighten LTVs and suspend high-LTV tiers; heatmaps by branch/DSA; stop-losses when breach or LGD thresholds trip.\nCollections & Channel Risk\nSet playbooks; calibrate FoS, tele-calling, and DSA controls; clawbacks and quality gates.\nRegulatory & Governance\nEnsure RBI NBFC guidelines, Fair Practices Code, KYC/AML, repossession/auction notices, grievance mechanics; run Risk Parameter Committee weekly; board reporting.\nData, Models & Tooling\nLead LTV engine and pricing guardrails in LOS/LMS; implement dashboards (cohorts, MTM, LGD, σ, breach funnel); drive analytics for repeat vs first-time borrowers.\nPeople & Culture\nBuild/mentor a lean team across policy, analytics, underwriting QA, collections risk, and audit; instil a “measure-and-act” operating rhythm.\nRequirement:\n10 – 20 years in consumer secured lending (gold loans strongly preferred) across risk/policy/collections; prior Head of Risk/CRO/Deputy CRO experience in NBFC/bank/fintech.\nFluency in LTV/tenor design, MTM, auction processes, and doorstep operations; hands-on with IBJA pricing, valuation methods (touchstone/XRF), and custody controls.\nBuilt risk systems end-to-end: rules in LOS/LMS, dashboards, alerting, audit trails.\nStrong regulatory grasp: RBI NBFC norms, repossession & auction requirements, FPC, KYC/AML.\nData-first operator: SQL/BI comfort; can define KPIs and make them run every day.\nExperience with tele-calling/doorstep networks and DSA governance.\nAuction partner network in North/West India.\nPrior exposure to volatility-linked risk controls or treasury hedging (even if not used).\n\nAbout Hireginie: Hireginie is a prominent talent search company specializing in connecting top talent with leading organizations. We are committed to excellence and offer customized recruitment solutions across industries, ensuring a seamless and transparent hiring process. Our mission is to empower both clients and candidates by matching the right talent with the right opportunities, fostering growth and success for all.