Senior Role In Risk Management Job in Oxyzo Financial Services

Senior Role in Risk Management

Location: Gurugram, India

Employment Type: Full-Time

Experience: 3 7 Years

About OXYZO Financial Services Ltd.

OXYZO Financial Services Ltd. is a leading Fintech NBFC, revolutionizing B2B lending for SMEs and Emerging Corporates across India. We are part of the OfBusiness Group and have built a robust AUM of 7,700 Cr, delivering strong PAT of 300 Cr last year. Operating in over 20+ cities, we provide financing solutions that are transforming key industries, including Manufacturing, Engineering, Textiles, and Logistics. Backed by marquee investors like Creation Investments, Matrix Partners, Norwest, Tiger Global, and Alpha Wave, we are rapidly expanding and scaling our business.

Role Overview

We are looking for an experienced Risk Management Senior Professional to join our Risk Team and work directly with the Chief Risk Officer (CRO). In this role, you will be responsible for implementing advanced risk frameworks, developing and managing risk models, and ensuring strong risk mitigation strategies are in place across the organization. Your expertise in credit risk, operational risk, and financial controls will play a critical role in maintaining the safety, security, and compliance of the lending portfolio.

Key Responsibilities

Develop Risk Frameworks:

• Implement and manage the ICAAP (Internal Capital Adequacy Assessment Process) and ALM (Asset Liability Management) frameworks.
• Develop and execute HQLA (High-Quality Liquid Assets) management strategies.

Credit Risk Models:

• Build and deploy ECL Models (Expected Credit Loss), including calculating PD (Probability of Default), EAD (Exposure at Default), and LGD (Loss Given Default).
• Develop risk grading models for credit risk classification across various portfolios.

Operational Risk Management:

• Identify, assess, and monitor operational risks across lending portfolios, outsourcing activities, and internal financial controls.
• Work on developing and implementing Early Warning Systems (EWS) for fraud risk management and transaction monitoring.

Cyber & Data Security:

• Collaborate with the CISO (Chief Information Security Officer) to address data security, cybersecurity, and physical security risks.
• Implement and manage monitoring systems for suspicious transactions and cash transactions.

Risk Mitigation & Assessments:

• Conduct regular risk assessments of the portfolio, including QML (Quality Migration Ladder), DPD (Days Past Due) analysis, and staging.
• Ensure that risk mitigation strategies are identified, documented, and executed in a timely manner.

Emerging Risks & Regulatory Compliance:

• Identify emerging risks, including geopolitical, strategic, or regulatory risks.
• Provide insights into macro-risk indicators and proactively manage these risks.
• Coordinate with internal auditors, external auditors, and regulatory bodies for audits and inspections.

What We Are Looking For

Educational Qualifications:

• Master s degree or professional certifications like MBA (Finance), FRM (Financial Risk Manager), CFA, CA, CMA, or CS.
• Minimum of 3 years of experience in Risk Management within a Bank or NBFC.

Skills & Expertise:

• Strong understanding of risk management frameworks, regulatory requirements, and industry best practices.
• In-depth knowledge of credit risk models, operational risk management, and financial controls.
• Good technical understanding of the financial sector, especially in the context of B2B lending.

Soft Skills:

• Strong communication and interpersonal skills to work effectively across departments.
• Ability to lead projects and make key decisions in a fast-paced, high-pressure environment.

What We Offer

• Fast-track Career Growth Ample opportunities for personal and professional growth.
• High-Impact Roles Be part of high-stakes projects with significant business impact.
• Ownership & Autonomy Lead initiatives with full ownership and decision-making power.
• Exceptional Peer Group Work alongside some of the best talent in the industry.
• Enjoyable Workplace Culture Join a team that values collaboration, respect, and innovation.
• Competitive Pay & Rewards Attractive compensation package with performance-driven incentives.