Chief Risk Officer - Commodity Finance - NBFC

About the Role:

We are looking for a seasoned risk leader to head the overall risk function for a fast-growing commodity finance-focused NBFC. The role requires deep expertise in commodity-backed lending, agri/rural finance, structured credit assessment, portfolio monitoring, and enterprise risk management. The ideal candidate should have strong experience in underwriting and risk management within commodity finance, agri finance, MSME lending, or secured lending ecosystems, with the ability to build scalable and governance-driven frameworks.

Key Responsibilities:

1. Lead the end-to-end risk management function across credit risk, portfolio risk, operational risk, and policy governance

2. Design and strengthen underwriting frameworks for commodity finance and related secured lending products

3. Drive portfolio monitoring mechanisms including collateral monitoring, mark-to-market tracking, margin management, and early warning systems

4. Develop and periodically review risk policies, scorecards, underwriting models, and exposure frameworks

5. Partner closely with business teams to ensure growth with strong risk controls and prudent portfolio quality

6. Monitor delinquency trends, concentration risks, sectoral exposures, and recommend corrective actions proactively

7. Present portfolio insights, risk analytics, and governance updates to senior management and board committees

8. Ensure adherence to regulatory requirements, internal audit standards, and compliance frameworks

9. Lead risk reviews across branches/locations and travel extensively to evaluate on-ground operations and controls

10. Build and mentor a high-performing risk team.

Candidate Profile:

- 14 - 25 years of experience across risk management, underwriting, credit policy, and portfolio management within NBFCs/Banks

- Strong exposure to commodity finance/agri finance/rural finance/secured MSME lending is mandatory

- Experience in handling working capital loans, collateral-backed lending, warehouse finance, or agri value-chain financing preferred

- Strong understanding of portfolio monitoring, mark-to-market mechanisms, and structured risk frameworks

- Candidates should have experience in organizations such as commodity finance NBFCs or agri-focused lenders.