Credit Risk Manager
15 hours ago
Are you passionate about solving roadblocks challenges faced by MSMEs in India MSMEs contribute significantly to India s total GDP 90 of India s 1 Trillion Retail Market is controlled by Micro Small Medium Enterprises MSMEs Which means 900B worth of commerce flows through these 60M MSMEs in the form of shops kiosks homes scattered all over the country We at Khatabook have a vision to empower MSMEs and help them increase their incomes We have built a product that brings efficiency in MSME operations by providing them easy to use tools to manage their receivables inventory and billing which creates transparency in their cash flow Within the Khatabook platform we have also enabled the facility to take loans for their short term working capital needs for select Khatabook users that are displaying good credit behavior Our app has been downloaded over 100 Million times with a monthly active user base of 8 Million which are adding 220 Million transactions with a transaction value of 18 Billion Why work with us People are our biggest asset At Khatabook every one of us is a dynamic superstar We have carefully bred an ecosystem which hires nothing but incredibly and exceptionally talented people who can dream collaborate experiment and break new ground We re a strong team that looks out for each other Your role We at Khatabook are looking for an Credit Risk Manager you will lead the credit underwriting function and play a key role in shaping credit strategy driving process excellence and ensuring sound portfolio quality You will be responsible for team leadership credit policy formulation and risk governance across our business lending operations What would you do at Khatabook Lead underwriting for unsecured MSME loans using cash flow-based assessment of bank statements GST data and financials Manage and mentor a team of underwriters ensuring accuracy TAT and policy adherence Define and refine credit policies drive automation with product and tech teams Monitor portfolio performance track delinquencies and flag early risk indicators Generate regular risk reports and recommend enhancements to credit models Implementation of Policy process Ensuring Quality of Underwriting through hind sighting audits Login s through FTNR dashboards Productivity Suggest process improvements to improve accuracy productivity increase automation reduce risk What are we looking for 5-7 years of hands-on underwriting experience in business lending preferably unsecured Strong understanding of cash flow-based credit evaluation particularly for MSMEs Proven track record of leading underwriting or credit ops teams Prior experience in a fintech or a tech-driven NBFC is preferred Familiarity with alternative data sources GST banking bureau etc Strong analytical and decision-making skills Comfort working in a high-paced data-driven and agile environment
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