Chief Risk Officer - NBFC

1. Credit Risk Management (Secured & Unsecured Lending)

• Lead policy formulation for underwriting, credit scoring, risk-based pricing, and portfolio management.
• Oversee credit approval frameworks for retail, MSME, consumer finance, and asset-backed loans.
• Monitor and manage portfolio quality, early warning systems, and stress testing frameworks.
• Build advanced analytics models (scorecards, LGD/PD/EAD models) to drive profitable growth.

2. Risk Strategy & Governance

• Define and implement the organization's enterprise risk management (ERM) framework.
• Establish risk appetite in collaboration with the Board and senior leadership.
• Build and maintain governance mechanisms across credit, operational, market, and compliance risks.
• Drive adoption of risk-based decisioning across all business functions.

3. Collections & Fraud Risk

• Strategize collection frameworks, loss forecasting, and recovery models.
• Establish fraud prevention controls, digital fraud monitoring, and risk intervention strategies.
• Build relationships with legal partners, agencies, and law enforcement to improve recovery efficiency.

4. Operational & Regulatory Risk

• Ensure compliance with RBI guidelines applicable to NBFCs (Fair Practices Code, KYC/AML, Co-Lending, Securitization, Sourcing norms).
• Lead risk assessment for products, processes, and digital channels.
• Oversee audit readiness, reporting, and coordination with internal/external auditors.

5. Technology, Digital & Analytics

• Lead digital risk transformation initiatives including automated underwriting, AI/ML-driven decision engines, and rule-based systems.
• Partner with technology teams to strengthen system controls, data integrity, and cyber risk measures.
• Drive implementation of risk reporting dashboards using BI/analytics tools.

6. Leadership & Stakeholder Management

• Lead and mentor a high-performing risk team across credit, collections, fraud, and operational risk functions.
• Collaborate with business, product, and finance teams to balance risk with growth objectives.
• Present portfolio insights and risk assessments to the Board, investors, and regulatory authorities.