Chief Risk Officer

Our client is a fast-growing fintech platform focused on secured and unsecured lending to individuals and MSMEs, leveraging advanced analytics, alternate data, and deep technology to drive credit access and scale responsibly. The company is backed by marquee investors and is expanding its footprint across India.

As part of its next growth phase, the firm is looking to onboard a Chief Risk Officer (CRO) to lead its enterprise-wide risk strategy and governance framework.

The role calls for a leader who combines strong analytical and data orientation with deep domain knowledge of secured and unsecured lending portfolios, and an ability to balance innovation with sound prudence.

Key Responsibilities:

- Build and lead the enterprise risk management framework, covering credit, portfolio, operational, and regulatory risks.

- Partner closely with the business and product teams to design data-driven credit models, scorecards, and early warning systems.

- Drive portfolio deep-dives, trend analysis, and vintage tracking to identify emerging risks and recommend corrective actions.

- Oversee underwriting policies and collection strategies for both secured and unsecured loan products.

- Implement robust risk monitoring dashboards and reporting mechanisms for senior leadership and the Board.

- Ensure adherence to regulatory guidelines (RBI/NBFC/HFC norms) and internal governance standards.

- Build and mentor a high-performing team of risk and analytics professionals.

- Serve as a strategic advisor to the CEO and Board on enterprise risk posture, capital allocation, and stress-testing scenarios

Ideal Candidate Profile:

- 15+ years of experience in risk management within NBFCs, HFCs, or fintech lending organizations.

- Strong understanding of credit risk frameworks across secured (LAP, housing, SME) and unsecured (personal, business, digital) portfolios.

- Proven expertise in portfolio analytics, data modeling, and risk scoring methodologies.

- Experience in implementing risk automation tools and working closely with data science / analytics teams.

- Solid grasp of regulatory and compliance frameworks governing NBFCs and fintech lenders.

- Strategic thinker with hands-on approach, able to balance growth ambitions with sound risk controls.

- Excellent leadership, stakeholder management, and communication skills.

Preferred Qualifications: CA / MBA / CFA / FRM

What's on Offer?

- Be part of a high-growth fintech redefining the lending ecosystem through technology and analytics.

- Shape and build the entire risk architecture from the ground up.

- Work directly with founders and investors in a leadership capacity.