Chief Risk Officer

Role Overview: As a Strategic Risk Leader at the NBFC specializing in financing and credit solutions for purchasing vehicles, you will play a crucial role in defining and implementing the enterprise-wide risk management framework. Your responsibilities will include leading the design and execution of the Risk Appetite Framework, acting as the primary interface with regulators, overseeing credit policy and underwriting standards, enhancing operational resilience, managing market and liquidity risk, ensuring regulatory compliance, and upholding robust corporate governance policies. Key Responsibilities: - Define and implement the enterprise-wide risk management framework in alignment with business strategy and growth objectives. - Lead the design and execution of the Risk Appetite Framework to reflect strategic priorities. - Act as the primary interface with the RBI and other regulators on all risk-related engagements. - Oversee credit policy, underwriting standards, and portfolio monitoring for retail and consumer lending products. - Establish segment-specific credit frameworks to balance growth and risk. - Strengthen early warning systems and portfolio quality controls for proactive risk identification. - Enhance operational resilience by strengthening controls across disbursement, collections, fraud prevention, and cyber risk. - Drive adoption of automation, data-led controls, and audit readiness across all business lines. - Support the assessment and management of ALM, interest rate risk, and liquidity in partnership with Treasury and Finance. - Ensure prudent capital, liquidity, and balance sheet management in collaboration with Treasury and Finance. - Anticipate and interpret RBI guidelines for proactive compliance. - Oversee all risk-related regulatory reporting, board disclosures, and governance frameworks. - Deliver clear risk dashboards and insights to the Board Risk Committee and senior stakeholders. - Collaborate with business and functional leaders to monitor and drive progress on risk mitigation initiatives. - Design, implement, and uphold robust corporate governance policies and practices. Qualifications Required: - Bachelor's degree in Finance, Business Administration, Risk Management, or related field. - Professional certification in Risk Management (e.g., FRM, PRM) is preferred. - Proven experience in strategic risk leadership and enterprise-wide risk management. - Strong understanding of credit risk, operational risk, market risk, and regulatory compliance. - Excellent communication skills with the ability to engage with regulators, senior stakeholders, and cross-functional teams. - Demonstrated integrity, accountability, and professional discipline in risk management practices.,