Chief Risk Officer

About Company

The NBFC specializes in offering financing and credit solutions that support customers in purchasing vehicles.

It operates within the broader financial services industry, focusing on tailored lending options for the automotive sector.

Strategic Risk Leadership

• Define and implement the enterprise-wide risk management framework, aligning with business strategy and growth objectives.
• Lead the design and execution of the organization’s Risk Appetite Framework, ensuring it reflects strategic priorities.
• Act as the primary interface with the RBI and other regulators on all risk-related engagements.

Credit Risk

• Oversee credit policy, underwriting standards, and portfolio monitoring for retail and consumer lending products, ensuring robust governance and portfolio health.
• Establish differentiated, segment-specific credit frameworks to balance growth and risk.
• Strengthen early warning systems and portfolio quality controls for proactive risk identification.
• Review and analyse portfolio trends to detect deterioration in portfolio quality

Operational Risk

• 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.

Market & Liquidity Risk

• Support the assessment and management of ALM, interest rate risk, and liquidity, partnering closely with Treasury and Finance.
• Partner with Treasury and Finance to ensure prudent capital, liquidity, and balance sheet management.

Regulatory Compliance & Governance

• Anticipate and interpret RBI guidelines (including scale-based regulations) to ensure 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.
• Demonstrate high standards of integrity, accountability, and professional discipline.
• Design, implement, and uphold robust corporate governance policies and practices