Deputy General Manager/General Manager - Credit Risk Lead - Secured Products

Description:

Title: DGM/GM Risk Lead

Location: Gurgaon (onsite with field travel)

Education: Graduate/MBA

Experience: 10 - 12 Years

About the Role: We are looking for a sharp, execution-driven DGM/GM Risk Lead (secured products) who will build and run the gold loan risk engine for their NBFC arm. This role is meant for a midsenior professional (1012 years) with deep experience in secured lending who can be groomed into the Chief Risk Officer role within 24 months.

You will partner closely with business, product, and collections teams to shape risk frameworks, drive portfolio health, and strengthen governance across sourcing channels

Key Responsibilities:

- Design and govern gold loan risk frameworks including LTV tenor grids, AUM caps, and circuit breakers.

- Own valuation and purity governanceassaying standards, haircuts, price sourcing, and audit controls.

- Run daily MTM and breach monitoring, publishing early-warning dashboards and exposure alerts.

- Drive margin-call actions and recovery workflows in partnership with Collections teams.

- Manage auction risk, including empanelment, performance monitoring, turnaround times, and LGD tracking.

- Strengthen collections and channel-risk governance, covering tele-calling, field ops, and DSA quality.

- Ensure full RBI NBFC compliance, including KYC/AML, Fair Practices Code, repossession and auction norms.

- Prepare risk reports for committees/board, supporting weekly Risk Parameter Committee reviews.

- Enhance LOS/LMS controls and dashboards, and automate early-warning systems with the tech team.

- Lead and develop a small risk team, building a strong discipline of measurement, action, and governance.

Requirement:

- 10-12 years in consumer secured lending (gold loans preferred) across policy, risk, or collections.

- Strong working knowledge of LTV design, MTM, auction, and doorstep operations.

- Exposure to RBI NBFC risk norms and audit/regulatory compliance.

- Data-first mindset: comfort with Excel/BI tools; able to design and monitor KPIs daily.

- Strong problem-solving and cross-functional leadership skills.