Head - Risk & Policy

We are seeking an experienced and strategic leader to join our team as the Head - Risk and Policy. This pivotal role involves overseeing the development, implementation, and continuous improvement of risk management frameworks and credit policies across all lending verticals. The ideal candidate will have deep domain expertise in credit risk, regulatory compliance, portfolio analytics, and policy formulation, with proven experience in a leadership role within an NBFC or financial services environment.

Key Responsibilities:

1. Risk Strategy & Governance

- Design and lead the enterprise risk management (ERM) framework, aligned with business goals and regulatory expectations.

- Establish risk appetite thresholds and ensure alignment across business units.

- Lead risk governance forums and interact with the Board/Board Risk Committee as required.

2. Credit Risk & Policy Management

- Develop, implement, and periodically review credit risk policies, underwriting norms, and product programs.

- Monitor and optimize credit risk models, scorecards, and decision engines.

- Partner with business, product, and analytics teams to ensure policies are data-driven and commercially viable.

3. Portfolio Risk & Early Warning

- Lead portfolio analysis and risk segmentation across retail and wholesale portfolios.

- Monitor early warning signals, perform stress testing, and ensure proactive risk mitigation.

- Build and enhance risk dashboards and MIS for senior management and regulatory reporting.

4. Regulatory & Compliance Oversight

- Ensure adherence to RBI regulations and other statutory compliance related to risk and lending.

- Liaise with regulators and internal/external auditors on risk and policy matters.

- Keep abreast of regulatory developments and lead policy adjustments accordingly.

5. Team Leadership

- Build and lead a high-performing risk and policy team.

- Foster a risk-aware culture across the organization.

- Provide strategic guidance and mentoring to team members.

Experience:

- 14+ years in risk management and credit policy, preferably with a leading Fintech, NBFC or bank.

- Proven track record in retail lending (personal loans, consumer finance, SME, vehicle finance)