Job Description

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.

• 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.