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.
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Top Skills
What We Do
Power your finance, grow your business.
Razorpay is India’s first full-stack financial solutions company. We are on a mission to enhance the payment experience of over 300 million end consumers. And in doing so, we aim to enable Indian businesses - big and small - accept payments digitally with minimal effort and maximum ease.
Razorpay has grown from being a payment gateway provider to a solutions-driven organization boasting of an extensive products suite to accept and disburse payments as well as raise capital and park money. In a nutshell, we fit into every nook and corner where your business touches money.
#OutgrowOrdinary
We identify ourselves as disruptors in the digital payments space and our vision is to power the financial ecosystem for other disruptors. Like attracts like and Razorpay actively looks to partner with established companies and startups that have either broken the glass ceiling in their industry or are set to.
The Razorpay Product Suite today comprises verticals, along with Payment Gateway, like Payment Links, Payment Pages, Subscriptions, Smart Collect, Route, Razorpay Capital, RazorpayX, Payroll and Thirdwatch.
Razorpay was started in 2014 by two IIT Roorkee alumni, Harshil Mathur and Shashank Kumar. Just a short few years later, Razorpay has evolved into a 800-odd strong organization with some of the best talents in the country helping some of the best companies manage their money movement seamlessly.
Certified cool
We are a bunch of spirited, ambitious and fun folks. And no, we’re not saying this ourselves--leading institutions have recognized Razorpay for the high trust and high-performance culture that we maintain.
Our strength lies in the people we are and we go to great lengths to nurture a family of coders, designers, sellers, marketers, analysts, writers, runners, photographers, gamers, tinkerers, and above all, people who are dreamers and doers at the same time. Be a part of our exciting journey.
