Chief Risk Officer - Credit Risk - FinTech Firm

Job location: [{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"Mumbai","addressCountry":"IN"}}] Work arrangement: Employment type: FULL_TIME Salary: "" Experience requirements: {"monthsOfExperience":144,"educational":{"credentialCategory":"bachelor degree"}} Education requirements: "" Your Role & Key deliverables: In this role, you will be the ultimate custodian of the companys platform stability and risk management while achieving the following: 1. Strategic Credit Risk Management: - Credit Portfolio Engineering: Define the firms Risk Appetite and Risk Strategy to optimize the risk-return profile of future loan disbursals. The platform has a sophisticated risk management framework and has disbursed 17,000 Cr+ in loans. Now it needs to be reworked for future growth. - Quantitative Strategy: Oversee the lifecycle of proprietary Risk Models, ensuring rigorous Model Validation and the deployment of real-time Early Warning Systems (EWS). 2. Enterprise & Operational Governance: - ERM Framework Design: Build an end-to-end Enterprise Risk Management (ERM) roadmap, integrating RCSA (Risk & Control Self-Assessment) into the DNA of every business unit. - Prudential & IT Risk: Mitigate systemic vulnerabilities across IT infrastructure, Cyber-security, and Business Continuity Planning (BCP). - Transactional Integrity: Minimize Transactional Risk and fraud through automated, data-driven surveillance and KRI monitoring. 3. Regulatory Advocacy & Leadership: - Regulatory Diplomacy: Act as the primary interface for regulatory bodies, shaping the platform's posture on Prudential Risk and Regulatory Information Services (RIS). - Board-Level Reporting: Translate complex risk metrics into strategic insights for the Board and investors, fostering a culture of transparency and proactive risk-taking. 4. Organizational Leadership & Team Building: - Function Design: Post-onboarding, you will be responsible for strengthening, mentoring, and leading a high-performing Risk Team. - Culture Transformation: Evangelize a "Risk-as-an-Enabler" culture across the organization, ensuring every business unit operates within established guardrails. Must-Haves Skills: - Experience: 12+ years in Financial Risk, with at least 5 years in a senior leadership role. Proven mastery in Credit Risk within high-volume Retail/Fintech lending. - Core Skills: Mastery of Basel Accords/Credit Risk Modeling, Asset Liability Management (ALM), and Risk Analytics within a tech-driven environment. - Regulatory Record: Deep understanding of the Indian regulatory landscapes and demonstrated success in managing large-scale Regulatory Audits and RBI relationships. Education: - Bachelors degree in Finance, Economics, or related field (e.g., CA/CS/LL.B). - Professional certification (FRM, CFA, or PRM) is strongly preferred.