Risk Management Leader

14 hours ago


Bengaluru, Karnataka, India Khatabook Full time
Job Description

We are looking for a seasoned professional to lead our risk management efforts in unsecured lending. The ideal candidate will have a deep understanding of credit risk policies, portfolio trends, and early warning signals.

Key Responsibilities
  • Develop and continually improve credit risk policies based on portfolio trends and early warning signals.
  • Portfolio Management, including early warning signals.
  • Develop and manage the Credit Risk KPI tracking mechanism.
  • Develop and manage the Expected Credit Loss/Risk Estimation Model.
  • Coordinate cross-functionally for the communication, implementation, and improvement of credit risk strategies with minimal impact on business growth.
  • Liaise with Decision Science and Product teams to regularly enhance credit risk metrics and keep them below benchmarks.
  • Develop and implement fraud control processes.
  • Support the Finance team in AOP and other risk-related reporting's/projections.
  • Assist the Collection team in developing and improving collection strategies.
  • Liaise with third-party lenders for policy alignment.
  • Communicate and implement credit policies, processes, and systems to the underwriting team.
Requirements
  • 8+ years UW + Policy experience in unsecured (preferably UBL/Cards) + secured (preferably HL, LAP)
  • Have worked in both NBFC/Bank & Fintech Lending experience
  • Should be very adept at data handling (SQL, Python, R) & spreadsheets (Excel, G Sheets)
  • Should have deep understanding of Risk selection models (application Scorecards) & Loss prediction models (ECL Expected Credit Loss)
About Us

Khatabook is a leading fintech company that aims to empower MSMEs and help them increase their incomes. We provide easy-to-use tools to manage receivables, inventory, and billing, creating transparency in cash flow. Our app has been downloaded over 100 million times with a monthly active user base of 8 million+, adding 220 million+ transactions with a transaction value of $18 billion.

What We Offer

We offer a competitive salary range of $120,000-$180,000 per year, depending on experience, along with a benefits package that includes health insurance, retirement plan, and stock options. If you're a dynamic superstar who can dream, collaborate, experiment, and break new ground, we'd love to hear from you



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