Senior Manager - Risk Management

Razorpay was established with the vision to reimagine how businesses manage money by catering to all their financial needs. With this vision, Razorpay Capital was established to solve the credit needs of millions of new-age businesses across the country. We have launched stellar products like Instant Settlements and Corporate Cards which have had a meaningful impact on startups and medium to large enterprises but we have just gotten started.

Role Responsibilities

• Guide policy development for credit risk on Corporate Cards and Business Loans
• Developing Early Warning Signals and working with the collections team to maintain a healthy portfolio
• Assessing the credit-worthiness of a corporate applicant by studying business metrics and financials for Corporate Cards and Business Loans
• Mentor and lead a team for the timely processing of proposals such as performing verification checks, CAM preparation for recommending the case and exception framework
• To review and closely monitor all MIS regarding portfolio and reporting to management
• Running Root Cause Analyses for identifying policy and compliance gaps

Qualification

• Min 7+year experience in Banks, NBFCs, Fintech companies and overall 2+ years experience in Business Credit Risk
• A self-starter, who loves to take on hard problems and has a high affinity for 10x projects
• Graduate/ MBA with relevant exposure in business cards or corporate cards preferred
• Comfortable with data analysis and MS Excel proficiency with an understanding of SQL
• Must be able to adapt and work in a fast-paced, constantly evolving, and collaborative environment
• Good organizational skills with the ability and willingness to work under pressure and manages time and priorities effectively