Risk Lead

3one4 Capital; India; On-site; INR 350,000 - 600,000; Full time

Benefits offered by this job

Competitive compensation

Performance bonus

ESOPs

Health cover

Mobility support

Job summary

indiagold is seeking a senior risk leader to design and govern risk strategy for consumer secured lending, focusing on LTV grids, MTM, and auction controls.

The role involves regulatory compliance, portfolio monitoring, and leading a small analytics/audit team to drive data-driven risk decisions.

Qualifications

• 10–12 years in consumer secured lending (gold loans preferred) across policy, risk or collections.
• Strong knowledge of LTV design, MTM, auction and doorstep operations.
• Exposure to RBI NBFC risk norms and regulatory compliance.
• Data-first mindset with Excel/BI tools and KPI monitoring.
• Strong problem-solving and cross-functional leadership.

Responsibilities

• Design and govern LTV × tenor grid, AUM caps, and circuit-breakers across cohorts.
• Maintain valuation policy (assaying, purity haircuts, price governance, AM/PM sources).
• Run daily MTM reports, breach tracking, and early-warning dashboards.
• Co-own margin call playbooks and recovery actions with Collections.
• Monitor auction houses, track turnaround times and LGD metrics.
• Develop playbooks for tele-calling, field collection, and data-driven recoveries.
• Ensure RBI NBFC compliance, KYC/AML, and reporting to Risk Committee.
• Strengthen LOS/LMS controls and collaborate with tech to automate risk alerts.
• Lead a small team across policy, analytics, and audit functions.
• Foster a measure–act–govern culture in processes.

Skills

LTV design

MTM

Auction

Doorstep operations

Data analysis

Cross-functional leadership

Tools

Excel

BI tools

Job description

About Us

indiagold has built a product & technology platform that enables regulated entities to launch or grow their asset backed products across geographies; without investing in operations, technology, people or taking any valuation, storage or transit risks.

Our use of deep-tech is changing how asset backed loans have been done traditionally. Some examples of our innovation are – lending against digital gold, 100% paperless/digital loan onboarding process, computer vision to test gold purity as opposed to manual testing, auto- scheduling of feet-on-street, customer self-onboarding, gold locker model to expand TAM & launch zero-touch gold loans, zero network business app & many more.

We are rapidly growing team passionate about solving massive challenges around financial well-being.

We are a rapidly growing 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. We value the right aptitude & attitude than past experience in a related role, so feel free to reach out if you believe we can be good for each other.

Job Description

Key Responsibilities

Risk Strategy & Policy

• 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).

Portfolio Monitoring & MTM Controls

• Run daily mark-to-market reports, breach tracking, and early-warning dashboards.
• Co-own margin call playbooks and recovery actions with Collections.

Auction & Loss Management

• 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.

Benefits

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