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 to hire a Senior Business Analyst - Credit Risk. If you want to tackle hard and interesting problems at scale and create an impact within an entrepreneurial environment, this is the place for you.
What would you do at Khatabook?

• Developing and monitoring credit policy design & BRE implementation to achieve Risk /ECL (Expected Credit Loss) benchmarks
• Drive strategy and decision making for Risk Management.
• Help improve data collection, data coverage & visibility for driving deeper insights on relevant metrics
• Work with internal and external stakeholders to ensure relevant KPI Definition (Early & Lagged) & reporting of credit risk performance.
• Actively engage with Decision science team members & provide inputs / insights to improve Risk Selection (App Scorecard) & Collection Behavioral models.
• Enable senior leadership decision making by streamlining measurement of KPI's, identify it's key drivers by building causal models, communicating key metrics and business trends to leadership teams.
• Mentor junior business and data analysts.

• 2+ Years of experience in Analytics.
• Prior 1+ years of experience in credit risk analytics is mandatory.
• Technical capabilities: Proficient in SQL, Excel
• Strong working experience with BI tools (Tableau, Qlikview, Power BI, Cognos, BO, Pentaho etc.)
• Strong understanding of statistics and experience with statistical analysis
• Strong quantitative abilities, distinctive problem-solving and excellent analysis skills
• Strong organizational, communication, presentation and project management skills
• Background in statistical modelling and experience with statistical/scripting tools such as R, Python, Spark, SAS or SPSS is a plus.