Head of Risk - Consumer Finance

As the Head of Risk Management, you will be responsible for leading the design, development, and implementation of an enterprise-wide risk management framework. Your role is critical in identifying and mitigating risks across credit, operational, and compliance domains in alignment with regulatory standards and business growth objectives. You will need to thrive in a fast-paced financial environment to drive a risk-aware culture across the organization. **Key Responsibilities:** - Develop and execute a robust, company-wide risk management strategy aligned with business objectives and regulatory mandates. - Oversee risk identification, evaluation, and mitigation across credit, operational, and compliance domains. - Monitor and respond to emerging credit risks such as fraud patterns and identity theft, recommending proactive measures. - Lead portfolio monitoring, stress testing, and forecasting of expected credit losses to manage default risk. - Utilize advanced analytics, AI, and machine learning tools to strengthen risk models, fraud detection systems, and early-warning mechanisms. - Deliver clear, data-driven risk reports to senior leadership and the board, highlighting emerging trends, portfolio performance, and key risk indicators. - Build and embed a risk-aware culture through continuous training, internal communication, and stakeholder engagement. **Qualifications Required:** - Masters degree in Finance, Economics, Risk Management, or a related discipline. - At least 10 years of experience in risk management, with a minimum of 3 years in a leadership role. - Prior experience in NBFCs, banking, or financial services is essential. - Deep understanding of credit, operational, and regulatory risk in the Indian financial ecosystem. - Familiarity with RBI regulatory guidelines and risk governance frameworks. **Additional Details:** The company is looking for a resilient leader with strong analytical and decision-making skills, proficient in risk and data analytics tools. Exposure to Python and SQL is considered an advantage. The ideal candidate should have a demonstrated ability to scale businesses while effectively managing risk exposure and should have a track record of long tenures and meaningful contributions in prior roles.,