Our Client: Our client is a venture-backed financial technology company revolutionizing how India saves, invests, and accesses credit through its most trusted asset - Gold. With a mission to empower millions of households to unlock the true value of their assets, the company is building innovative solutions that promote financial independence and security. Join a high-growth, mission-driven startup that offers immense learning, impact, and wealth-creation opportunities.

Title: DGM/GM - Risk Lead

Location: Gurgaon (onsite with field travel)

Education: Graduate/Post Graduate

Experience: 10 - 12 Years

About the Role: We are looking for a sharp, execution-driven DGM/GM - Risk Lead who will build and run the gold loan risk engine for Flat White Capital's NBFC arm. This role is meant for a mid-senior professional (10-12 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:

Risk Strategy & Policy:

- Support the design and governance of LTV tenor grid, AUM caps, and circuit-breakers across cohorts.

- Maintain valuation policy (assaying, purity haircuts, price governance, AM/PM sources).

Portfolio Monitoring & MTM Controls:

- Run daily mark-to-market reports, breach tracking, and early-warning dashboards.

- Co-own margin call playbooks and recovery actions with Collections.

Auction & Loss Management:

- Support empanelment and monitoring of auction houses.

- Track auction turnaround times, hammer-to-reserve ratios, and LGD metrics.

Collections & Channel Risk:

- Develop playbooks for tele-calling, field collection, and DSA quality governance.

- Track recoveries and recommend corrective measures based on data insights.

Regulatory & Governance:

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

- Support weekly Risk Parameter Committee and board reporting.

Data, Analytics & Tooling:

- Strengthen LOS/LMS controls, dashboards, and breach alerts.

- Collaborate with tech to automate early-warning systems and portfolio risk reports.

People & Culture:

- Lead a small team across policy, analytics, and audit functions.

- Build a strong "measure-act-govern" culture in every process.

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.

Nice to Have:

- Experience managing tele-calling or DSA networks.

- Exposure to risk automation tools, pricing guardrails, or treasury hedging.

- Existing network of auction partners in North/West India.

Why This Role:

- Fast-track opportunity to become the Chief Risk Officer in 2 years.

- Work directly with founders in a high-growth NBFC environment.

- High ownership, field-connected, and data-driven operating culture.

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