Chief Risk Officer

Zoho; Mumbai Suburban; On-site; INR 7,000,000 - 10,000,000; Full time

Job summary

Zoho is hiring a Head - Risk in Malad East, Mumbai. Lead risk across Credit, Portfolio, Fraud and Operational Risk for a premier fintech/NBFC platform, ensuring RBI compliance and strong risk governance.

You will build analytics frameworks, drive risk-based decisioning, mentor a high-performing team, and partner with business, credit, collections and compliance to balance growth and risk.

Qualifications

• 15+ years in Risk Management across NBFC, Fintech, Digital Lending or BFSI.
• Proven track record leading end-to-end Risk functions.
• Strong expertise in Credit Risk, Underwriting, Portfolio Risk & Analytics.
• Deep understanding of NBFC/BFSI frameworks, RBI regulations & tech-led risk.
• Exposure to Digital, Consumer, Unsecured or P2P Lending preferred.
• Lead the complete Risk charter at a senior leadership level within a premier fintech and NBFC platform.
• Drive technology-led risk decisioning and build innovative analytics-driven risk frameworks.
• Work in a high-impact role shaping sustainable, risk-adjusted business growth alongside executive leadership.
• Build, mentor, and scale a high-performing risk management team.
• High visibility and strategic influence across cross-functional verticals like Credit, Collections, and Compliance.

Responsibilities

• Lead the overall Risk function across Credit, Portfolio, Fraud & Operational Risk.
• Strengthen credit risk frameworks, underwriting policies, risk appetite & controls.
• Drive portfolio analytics, EWS and proactive risk mitigation.
• Build and lead a high-performing Risk team while ensuring RBI & policy compliance.
• Partner with Business, Credit, Collections & Compliance to balance growth and risk.

Skills

Credit risk

Underwriting

Portfolio risk

Analytics

Risk management

Leadership

Stakeholder management

Job description

Malad East, India

Work Schedule: 5-day work week

We’re hiring a Head - Risk for our client, a leading NBFC and fintech organization in the digital lending space.

As the Head - Risk, your responsibilities would be:

• Lead the overall Risk function across Credit, Portfolio, Fraud & Operational Risk.
• Strengthen credit risk frameworks, underwriting policies, risk appetite & controls.
• Drive portfolio analytics, EWS and proactive risk mitigation.
• Build and lead a high-performing Risk team while ensuring RBI & policy compliance.
• Partner with Business, Credit, Collections & Compliance to balance growth and risk.

Requirements

• 15+ years in Risk Management across NBFC, Fintech, Digital Lending or BFSI.
• Proven track record leading end-to-end Risk functions/major verticals.
• Strong expertise in Credit Risk, Underwriting, Portfolio Risk & Analytics.
• Deep understanding of NBFC/BFSI frameworks, RBI regulations & tech-led risk decisioning.
• Exposure to Digital, Consumer, Unsecured or P2P Lending preferred.
• Lead the complete Risk charter at a senior leadership level within a premier fintech and NBFC platform.
• Drive technology-led risk decisioning and build innovative analytics-driven risk frameworks.
• Work in a high-impact role shaping sustainable, risk-adjusted business growth alongside executive leadership.
• Build, mentor, and scale a high-performing risk management team.
• High visibility and strategic influence across cross-functional verticals like Credit, Collections, and Compliance.