Risk Manager – Gurugram

Job Summary:

A fast-scaling Fintech startup in Gurugram is seeking an experienced Risk Manager to lead enterprise risk strategy, credit risk analytics, regulatory compliance, and operational risk controls. This is a high-impact role requiring strong analytical capabilities, deep understanding of risk frameworks, and hands-on experience in a digital lending or fintech environment.

About Organization:

Our client is a venture-backed Fintech disruptor redefining access to credit through technology, data science, and inclusive financial services. With a rapidly growing customer base and dynamic business model, the company offers a fast-paced environment that encourages innovation and strategic ownership.

Location: Gurugram, Haryana, India

Roles and Responsibilities:

Enterprise Risk Management (ERM):

• Develop and implement a comprehensive risk management framework across credit, operational, financial, and strategic risk domains.
• Define risk appetite, risk tolerance levels, and control mechanisms in alignment with business objectives.

Credit Risk & Lending Analytics:

• Build and monitor credit risk models for underwriting, portfolio performance, and collections strategy.
• Conduct customer segmentation, scorecard analysis, and risk-adjusted pricing in partnership with the data science team.

Operational & Fraud Risk:

• Establish systems for early detection and prevention of fraud, cyber risks, and process failures.
• Design control processes for KYC/AML, transaction monitoring, and data governance.

Regulatory & Compliance Risk:

• Ensure compliance with RBI and SEBI guidelines applicable to digital lending and NBFC operations.
• Work with legal and compliance teams to maintain audit trails, policies, and reporting standards.

Risk Monitoring & Reporting:

• Define KPIs and KRIs for risk dashboards and MIS reports for leadership and board review.
• Present regular risk assessments, stress testing, and scenario modeling insights.

Stakeholder Collaboration:

• Collaborate with Product, Tech, Legal, Finance, and Operations teams to integrate risk controls into all business workflows.
• Lead risk education and training initiatives across the organization.

Tools & Technologies:

• Strong knowledge of tools such as SAS, R, Python, SQL, or Tableau/Power BI for risk modeling and reporting.
• Experience with risk engines, credit bureaus (CIBIL, CRIF), and loan origination systems (LOS/LMS).

Role Requirements:

• Postgraduate in Finance, Risk, Statistics, or Chartered Accountant/MBA preferred.
• 6–10 years of experience in Risk Management in fintech, NBFC, digital lending, or banking.
• Deep understanding of credit lifecycle, digital lending regulations, and financial risk.
• Hands-on with risk analytics, model validation, and fraud detection tools.
• Strong interpersonal skills and stakeholder management capabilities.

Work Schedule: Monday – Friday (Hybrid flexibility available)

Salary: Based on experience

Contact Details: For more details on this vacancy, contact us at [email protected].

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