Head - Risk

1. Credit Risk Management - with a proven track record in Credit Cards & Lending.

- Expertise in credit risk strategy, fraud risk, limit assessment,

- Design and implement credit risk frameworks for underwriting and collections.

- Monitor portfolio quality (e.g., NPAs, PAR, early delinquencies).

- Set exposure limits, credit approval matrices, and define risk-based pricing models.

2. Operational Risk:

- Establish processes to manage fraud, cyber risk, and process failures.

- Develop and maintain a Business Continuity Plan (BCP) and disaster recovery plans.

- Implement internal controls and SOPs for all financial and customer-facing processes.

3. Regulatory & Compliance Risk:

- Ensure compliance with RBI guidelines for NBFCs, including Fair Practices Code, KYC/AML, and risk-based supervision.

- Coordinate with auditors and regulators for inspections and audits.

- Build a compliance calendar and ensure timely adherence.

4. Technology & Cyber Risk:

- Collaborate with tech teams to build secure lending platforms.

- Regularly assess platform vulnerabilities and conduct cybersecurity risk assessments.

5. Enterprise Risk Management (ERM):

- Develop a holistic enterprise-wide risk strategy.

- Present risk reports and dashboards to the Board and Risk Management Committee.

- Conduct stress testing and scenario analysis.

6. Team & Culture:

- Lead a cross-functional risk team including credit, compliance, fraud detection, and analytics.

- Promote a risk-aware culture across the organization. Required Skills & Experience

- 10-15+ years of risk management experience, with at least 5 years in an NBFC, bank, or regulated Fintech.

- Strong understanding of RBI regulations for NBFCs.

- Experience with digital lending products (personal loans, BNPL, SME lending, etc.).

- Proven track record in handling credit risk analytics, model development, and portfolio monitoring.

- Familiarity with tools like SAS, Python, Power BI for risk dashboards is a plus.