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
Skills Required
- 10-12 years of experience in consumer secured lending, preferably gold loans, across policy, risk, or collections
- Strong working knowledge of LTV design, mark-to-market controls, auctions, and doorstep operations
- Experience with RBI NBFC risk norms and audit or regulatory compliance
- Comfort with Excel and BI tools, including designing and monitoring daily KPIs
- Strong problem-solving and cross-functional leadership skills
What We Do
Our mission is to empower our fellow citizens build a more predictable and secure future by effectively monetising their assets. 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 give our employees the tools and benefits they need to do their best work, in the way that’s best for them. We have a tax friendly compensation structure, collaborative culture, intraprenuership opportunities, a technology hub in UAE, comprehensive medical insurance policy and wealth creation opportunity through ESOPs. Moreover, indiagold has achieved a rare recognition from DIPP, Govt. of India, where ESOP holding employees won't have to pay taxes at the time of exercising. indiagold is also Great Place to Work Certified. This is a validation of our company values around high trust and high performance. 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.
