Chief Risk Officer - NBFC
Job Description
- Leadership role \n
- Meritocratic Culture \n\n
- Lead policy formulation for underwriting, credit scoring, risk-based pricing, and portfolio management. \n
- Oversee credit approval frameworks for retail, MSME, consumer finance, and asset-backed loans. \n
- Monitor and manage portfolio quality, early warning systems, and stress testing frameworks. \n
- Build advanced analytics models (scorecards, LGD/PD/EAD models) to drive profitable growth. \n
- Define and implement the organization's enterprise risk management (ERM) framework. \n
- Establish risk appetite in collaboration with the Board and senior leadership. \n
- Build and maintain governance mechanisms across credit, operational, market, and compliance risks. \n
- Drive adoption of risk-based decisioning across all business functions. \n
- Strategize collection frameworks, loss forecasting, and recovery models. \n
- Establish fraud prevention controls, digital fraud monitoring, and risk intervention strategies. \n
- Build relationships with legal partners, agencies, and law enforcement to improve recovery efficiency. \n
- Ensure compliance with RBI guidelines applicable to NBFCs (Fair Practices Code, KYC/AML, Co-Lending, Securitization, Sourcing norms). \n
- Lead risk assessment for products, processes, and digital channels. \n
- Oversee audit readiness, reporting, and coordination with internal/external auditors. \n
- Lead digital risk transformation initiatives including automated underwriting, AI/ML-driven decision engines, and rule-based systems. \n
- Partner with technology teams to strengthen system controls, data integrity, and cyber risk measures. \n
- Drive implementation of risk reporting dashboards using BI/analytics tools. \n
- Lead and mentor a high-performing risk team across credit, collections, fraud, and operational risk functions. \n
- Collaborate with business, product, and finance teams to balance risk with growth objectives. \n
- Present portfolio insights and risk assessments to the Board, investors, and regulatory authorities. \n\n
About Our Client
\n\nOur client is a Top NBFC in the Indian market
\n\nJob Description
\n\n1. Credit Risk Management (Secured & Unsecured Lending)
\n 2. Risk Strategy & Governance
\n 3. Collections & Fraud Risk
\n 4. Operational & Regulatory Risk
\n 5. Technology, Digital & Analytics
\n 6. Leadership & Stakeholder Management
The Successful Applicant
\n\nMinimum 16+ years in risk management, with extensive exposure to both secured and unsecured lending.
\n Strong experience with retail lending, MSME finance, consumer loans, personal loans, business loans, and asset-backed products (LAP, auto, gold, two-wheeler, etc.).
\n Proven track record of managing large loan portfolios at an NBFC, bank, or fintech.
\n Demonstrated success in implementing digital underwriting, credit scorecards, and data-driven risk tools.
