Risk & Policy Manager

Company Description

Khatabook, founded in 2019 by IIT-Bombay alumni, is India's leading business management app for MSMEs, with over 50 million downloads and support for 13 languages. The app empowers micro, small, and medium businesses to simplify operations with transaction tracking, automated reminders, and tools like Interactive Voice Response (IVR) for credit collection. Additionally, Khatabook offers transparent and efficient business loan solutions tailored to the needs of MSMEs, helping them grow and thrive. With daily transactions exceeding $200 million and billions recovered in credit, Khatabook is transforming the MSME ecosystem in India. Our tech-driven, innovation-focused culture is perfect for professionals eager to be part of an impactful journey in India's digital revolution.

Role Description

This is a full-time, on-site role for a Risk & Policy Manager located in Bengaluru South.

Role Summary

The Policy & Risk Manager will support credit policy design, implementation and portfolio monitoring for Khatabook's lending business. The role will focus on optimizing the balance between growth and portfolio quality through data-driven policy interventions and risk analysis

Key Responsibilities

● Support design and implementation of credit policies and risk guardrails across lending product which are aligned with the organization's risk appetite and business objectives

● Analyze portfolio and customer segment performance to recommend policy refinements and business opportunities to maintain portfolio quality while enabling sustainable business growth

● Liaise with Business, Marketing, Analytics, Product, Technology, Underwriting and Fraud teams for policy implementation and monitoring

● Track performance of policy changes and experiments through regular MIS and analysis

● Monitor portfolio KPIs such as approval rates, customer distributions and delinquency trends to identify early risk signals

● Maintain policy documentation, approval logs, and governance records

● Coordinate with internal and external auditors on queries and drive timely resolution

● Collaborate with external partners (service providers, credit bureaus, partner lenders) to drive

implementation, clarify queries and and achieve desired objectives

Qualifications & Experience

● 4–6 years of experience in credit policy for retail lending preferably unsecured within Fintechs/ NBFCs

● CA / MBA (Finance) preferred

● Exposure to digital lending processes is mandatory

● Exposure to unsecured lending products such as Business Loans (EMI/EDI/Supply Chain Finance) and Personal Loan products (EMI, BNPL, etc.) will be preferred

● Understanding of bureau-based underwriting, scorecards, and analytics-led decisioning

frameworks will be an added advantage

● Strong analytical skills with proficiency in Excel and SQL would be a plus

Preferred Attributes

● Analytical and data-driven decision making

● Strong ownership and execution orientation

● Good stakeholder management and influencing skills

● Ability to balance growth and risk objectives in a fast-paced environment