Job Application for Senior Manager - Risk Management at Razorpay Software Private Limited

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Razorpay was founded by Shashank Kumar and Harshil Mathur in 2014. Razorpay is building a new-age digital banking hub (Neobank) for businesses in India with the mission is to enable frictionless banking and payments experiences for businesses of all shapes and sizes. What started as a B2B payments company is processing billions of dollars of payments for lakhs of businesses across India.

We are a full-stack financial services organisation, committed to helping Indian businesses with comprehensive and innovative payment and business banking solutions built over robust technology to address the entire length and breadth of the payment and banking journey for any business. Over the past year, we've disbursed loans worth millions of dollars in loans to thousands of businesses. In parallel, Razorpay is reimagining how businesses manage money by simplifying business banking (via Razorpay X) and enabling capital availability for businesses (via Razorpay Capital).

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

Razorpay believes in and follows an equal employment opportunity policy that doesn't discriminate on gender, religion, sexual orientation, colour, nationality, age, etc. We welcome interests and applications from all groups and communities across the globe.

Senior Manager - Risk Management

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