Job Description

Required Experience

5 - 8 Years

Skills

credit risk manageme... ,

Loan Underwriting,

credit underwriting

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.

Share this job

About Company

About Khatabook

We exist to empower India's 60 Million strong MSMEs. Our users' motives, methodology, expectations and behaviour are significantly different from our own when they interact with the internet and technology ecosystem which makes it harder to build for them, to solve that. Our first offering - is an Android App that has been downloaded over 10 crore+ times, which has resulted in having an active merchant base of over 9 million users.


As more businesses are adopting digital for business than ever before, Khatabook's goal can be summed up simply - Empowering merchants by simplifying their business by

Building a complete business management platform. Helping businesses increase their incomes by providing them the power of technology and ammunition of insights & digital reports. Offering a platform catering to the specific needs of the MSME space.

We are an equal opportunity workplace. We expect your authentic, original selves at work always and stand against discrimination on the basis of caste, creed, gender, religion or background.