Cash My Salary
Risk Management Policy
Risk Management Policy
The Risk Management Policy defines the framework used by Cashmysalary to identify, assess, monitor, and mitigate potential risks associated with its lending operations and business activities. Our objective is to ensure sustainable growth while protecting customers, partners, and stakeholders.
Effective Date
Immediately upon publication
Policy Version
2.0
Last Updated
August 2026
Policy Type
Risk Management
Objective
The primary objective of this policy is to establish a structured approach to managing risks that may impact the company's financial stability, operational efficiency, and regulatory compliance.
Types of Risks Considered
Credit Risk
Risk arising from borrowers failing to repay loans as per agreed terms.
Operational Risk
Risks caused by system failures, human errors, internal processes, or fraud.
Compliance Risk
Risks related to violation of laws, financial regulations, or industry standards.
Technology Risk
Risks associated with cybersecurity threats, system downtime, and data breaches.
Risk Identification & Assessment
Cashmysalary follows a systematic process to identify potential risks within its lending operations and digital platforms.
- •Periodic review of loan portfolios and borrower profiles
- •Monitoring transaction activity for unusual patterns
- •Evaluating operational processes and internal controls
- •Assessing new product launches and partnerships
Risk Mitigation Measures
To minimize risks, Cashmysalary adopts preventive and corrective control mechanisms.
Data Security & Privacy Risk
Protecting customer data is a core part of our risk management framework. Customer information is protected through secure infrastructure, encryption technologies, and restricted internal access controls.
Encryption
Access Control
Data Privacy
Monitoring & Reporting
Continuous monitoring helps detect and address risks at an early stage.
Policy Review
This Risk Management Policy will be reviewed periodically to ensure alignment with regulatory requirements, industry practices, and organizational objectives.
Risk Reviews
Compliance Checks
Board Review
Regency Fincorp Limited
This Risk Management Policy is a legally binding commitment to our customers and is enforced under applicable Indian laws and RBI regulations. We ensure robust risk management practices across all our lending operations.
