Gold Loan Risk & Policy Manager/Senior Manager

The Premier Consultants ( Recruitment Company ); Mumbai; On-site; INR 2,200,000 - 4,200,000; Full time

Job summary

The Premier Consultants is seeking a Gold Loan Risk & Policy Manager to lead policy development and risk controls for gold loan portfolios in Mumbai. The role focuses on maintaining compliance with RBI guidelines, establishing policy frameworks for LTV, per-gram rates, gold purity standards, and loan eligibility.

Key duties include monitoring portfolio performance, NPA levels, LTV breaches, delinquencies, and auction realization; formulating and governing auction and recovery policies; and

Job description

We're Hiring | Gold Loan Risk & Policy Manager

We are looking for an experienced professional to lead the Gold Loan Risk & Policy function for a leading financial services organization.

Key Responsibilities:

• Develop and manage gold loan credit policies, including LTV norms, per-gram rates, gold purity standards, and loan eligibility.
• Monitor portfolio performance, NPA levels, LTV breaches, delinquencies, and auction realization.
• Formulate and govern gold loan auction and recovery policies.
• Ensure compliance with RBI regulations and applicable legal guidelines related to gold loans, including gold storage, insurance, and customer notifications.
• Act as the key point of contact for audits, regulatory inspections, and internal risk reviews.

Candidate Requirements:

• 5 – 12 years of experience in NBFCs or banking.
• Minimum 3 years of hands-on experience in Gold Loan Risk / Credit Policy is mandatory.
• Strong understanding of RBI gold loan regulations, LTV management, auction processes, and portfolio risk monitoring.
• Important: Candidates must have direct experience in the Gold Loan domain, specifically in Risk or Policy.
• General lending, personal loan, home loan, or other credit risk experience without gold loan exposure will not be considered.

Referral Request: Know someone with relevant Gold Loan Risk & Policy experience? Please tag them in the comments or share this opportunity with your network.