Risk Lead

Leo Capital; Faridabad District; On-site; INR 3,000,000 - 4,500,000; Full time

Benefits offered by this job

Health cover

ESOPs

Mobility support

Performance bonus

Job summary

indiagold is seeking a Senior Risk & Compliance leader to strengthen our credit risk governance and portfolio management. You will drive LTV design, MTM processes, and risk dashboards to support scalable asset-backed lending across geographies.

You will lead policy, analytics, and audit functions, ensuring RBI NBFC compliance and robust risk reporting. A data-driven approach and strong cross-functional leadership are essential for success in this role.

Qualifications

• 10–12 years in consumer secured lending (gold loans preferred).
• Strong working knowledge of LTV design, MTM, auction, and doorstep operations.
• Exposure to RBI NBFC risk norms and audit/regulatory compliance.
• Data-first mindset: comfort with Excel/BI tools; able to design and monitor KPIs daily.
• Strong problem-solving and cross-functional leadership skills.

Responsibilities

• Support the design and governance of LTV × tenor grid, AUM caps, and circuit-breakers across cohorts.
• Maintain valuation policy (assaying, purity haircuts, price governance, AM/PM sources).
• Run daily mark-to-market reports, breach tracking, and early-warning dashboards.
• Co-own margin call playbooks and recovery actions with Collections.
• Support empanelment and monitoring of auction houses.
• Track auction turnaround times, hammer-to-reserve ratios, and LGD metrics.
• Develop playbooks for tele-calling, field collection, and DSA quality governance.
• Track recoveries and recommend corrective measures based on data insights.
• Ensure RBI NBFC compliance, KYC/AML, Fair Practices Code, repossession and auction norms.
• Support weekly Risk Parameter Committee and board reporting.
• Strengthen LOS/LMS controls, dashboards, and breach alerts.
• Collaborate with tech to automate early-warning systems and portfolio risk reports.
• Lead a small team across policy, analytics, and audit functions.
• Build a strong “measure–act–govern” culture in every process.

Skills

Cross-functional leadership

Excel/BI

Data analytics

Tools

Excel

BI tools

Job description

indiagold hasbuilt a product & technology platform that enables regulatedentities to launch or grow their asset backed products acrossgeographies; without investing in operations, technology, peopleor taking any valuation, storage or transit risks.

Our use ofdeep-tech is changing how asset backed loans have been donetraditionally. Some examples of our innovation are – lendingagainst digital gold, 100% paperless/digital loan onboardingprocess, computer vision to test gold purity as opposed to manual testing, auto- scheduling of feet-on-street, customerself-onboarding, gold locker model to expand TAM & launchzero-touch gold loans, zero network business app & many more.

We are rapidlygrowing team passionate about solving massive challenges aroundfinancial well-being.

We are a rapidlygrowing organisation with empowered opportunities across Sales,Business Development, Partnerships, Sales Operations, Credit,Pricing, Customer Service, Business Product, Design, Product,Engineering, People & Finance across several cities. Wevalue the right aptitude & attitude than past experience ina related role, so feel free to reach out if you believe we canbe good for each other.

Job Description

Key Responsibilities

Support the design and governance of LTV × tenor grid, AUM caps, and circuit-breakers across cohorts.

Maintain valuation policy (assaying, purity haircuts, price governance, AM/PM sources).

Run daily mark-to-market reports, breach tracking, and early-warning dashboards.

Co-own margin call playbooks and recovery actions with Collections.

Support empanelment and monitoring of auction houses.

Track auction turnaround times, hammer-to-reserve ratios, and LGD metrics.

Collections & Channel Risk

Develop playbooks for tele-calling, field collection, and DSA quality governance.

Track recoveries and recommend corrective measures based on data insights.

Regulatory & Governance

Ensure RBI NBFC compliance, KYC/AML, Fair Practices Code, repossession and auction norms.

Support weekly Risk Parameter Committee and board reporting.

Data, Analytics & Tooling

Strengthen LOS/LMS controls, dashboards, and breach alerts.

Collaborate with tech to automate early-warning systems and portfolio risk reports.

People & Culture

Lead a small team across policy, analytics, and audit functions.

Build a strong “measure–act–govern” culture in every process.

Requirements

What You Bring

10–12 years in consumer secured lending (gold loans preferred) across policy, risk, or collections.

Strong working knowledge of LTV design, MTM, auction, and doorstep operations.

Exposure to RBI NBFC risk norms and audit/regulatory compliance.

Data-first mindset: comfort with Excel/BI tools; able to design and monitor KPIs daily.

Strong problem-solving and cross-functional leadership skills.

Compensation: Competitive fixed + performance bonus + ESOPs + health cover + mobility support