Credit Risk Manager

Join Meesho as a Program Manager in the Risk and Collection team, where you will play a pivotal role in our financial operations. You will be responsible for developing and managing strategies that mitigate risks and enhance our collection processes, ensuring a seamless experience for our users.Your expertise will help drive initiatives that improve our financial performance while maintaining compliance with industry standards. If you are passionate about risk management and collections, and thrive in a dynamic environment, we encourage you to apply!

Join Stripe as a Technical Program Manager specializing in Risk Management. In this role, you will leverage your expertise to oversee complex projects that enhance our risk assessment strategies and improve overall operational efficiency. You will collaborate with cross-functional teams to identify potential risks, develop mitigation strategies, and implement solutions that align with our company’s vision.

The Area Collections Manager at Paytm leads the collections process across several delinquency segments in Bangalore, Karnataka. This role shapes strategies for account resolution, maintains the health of the lending portfolio, and manages both field and tele-calling teams. Strong experience in delinquency management, compliance, analytics, and team leadership is essential for success. Key Responsibilities Bucket and Portfolio Management Supervise collections across delinquency buckets, including 0–30, 31–60, and higher DPD segments. Work to improve resolution rates in both early and late-stage accounts. Focus on non-starter and delinquent accounts to prevent further roll-forward. Increase collection efficiency and support portfolio health. Track daily performance and ensure compliance with CAPE norms. Tele-Collections Management Oversee soft delinquency buckets (0–30 and 31–60 DPD) using targeted tele-calling approaches. Develop and update calling patterns based on customer risk profiles. Improve dialer efficiency, call connection rates, and campaign outcomes. Maximize early-stage resolutions to prevent escalation. Field Collections and Risk Control Enforce field discipline, including app usage, visit tracking, and audit trails. Escalate high-risk cases through legal channels when necessary. Conduct audits to identify and address portfolio risks. Maintain strong governance and control practices. Team Leadership and Vendor Management Lead teams of Collection Managers, Team Leaders, and Executives. Manage relationships with third-party and vendor collection agencies. Distribute portfolios and set collection targets by bucket. Run daily huddles, reviews, and track team performance. Coach teams on negotiation, objection handling, and resolution tactics. Target Achievement and Performance Delivery Drive monthly collection targets and improve resolution ratios. Increase Promise to Pay (PTP) conversion and adherence rates. Focus on First-Time Delinquent (FTD) customers to reduce future NPAs. Ensure productivity metrics such as calls, Right Party Contact (RPC), and Collection Efficiency (CE%) are met. Compliance and Governance Follow RBI guidelines and regulatory requirements. Address escalations and customer complaints effectively. Maintain ethical and compliant recovery practices. Support both internal and external audit processes. MIS, Analytics, and Reporting Monitor and analyze KPIs, including Collection Efficiency (CE%), Right Party Contact (RPC), Promise to Pay (PTP), dialer metrics, and resolution ratios.

About PayJoyPayJoy is a mission-driven credit provider committed to empowering underserved customers in emerging markets to achieve financial stability and success. Our innovative secured credit technology opens doors for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card solutions, customers enjoy enhanced quality of life. Additionally, our credit offerings enable customers to capitalize on opportunities as micro-entrepreneurs and provide a safety net during challenging times. With our state-of-the-art machine learning, data science, and anti-fraud AI capabilities, we have successfully served over 18 million customers by 2025, achieving sustainable profitability and growth.Role OverviewPayJoy is expanding its smartphone financing initiatives on a global scale. We are in search of a Senior Technical Program Manager to spearhead the launch and scaling of our Phone Finance business in India. This pivotal role connects Product, Engineering, Risk, and the India country team.You will be responsible for overseeing the delivery governance of India Phone Finance, including roadmap development, managing dependencies, execution cadence, launch readiness, and post-launch iterations, collaborating closely with both India and global Product leads. You will serve as the vital link between global product teams and the Indian market, ensuring local requirements are accurately defined, prioritized, developed, tested, and successfully implemented.

Role Overview Rubrik is looking for a GSI Services Program Manager in Bangalore to guide key initiatives with Global Systems Integrator partners. This role centers on coordinating efforts across teams to deliver strong service and maintain productive relationships with strategic clients. What You Will Do Lead programs that strengthen partnerships with Global Systems Integrators Coordinate cross-functional teams to meet project goals and client needs Ensure business objectives align with client expectations Location This position is based in Bangalore.

Payoneer is hiring a Director of Risk for the Checkout Business Unit in Bangalore, India. This position centers on shaping and executing risk management strategies for payment solutions. The role involves direct leadership of a team focused on maintaining strong security and compliance standards while supporting business growth. Key responsibilities Lead and mentor the risk management team within the Checkout Business Unit Create and improve risk frameworks that align with business objectives Supervise procedures to identify, assess, and address potential risks Maintain security and compliance for payment solutions, ensuring adherence to regulations Direct the team in developing and applying risk mitigation strategies Role focus This leadership role requires hands-on involvement in both strategy and daily operations. The Director will work closely with the team to identify risks and implement effective controls, supporting Payoneer’s commitment to secure, compliant payment products.

Founded in 2007, Airbnb has transformed the way people travel by connecting over 5 million hosts with more than 2 billion guests worldwide. Our platform enables unique stays and experiences that foster authentic community connections.Join Our Community:At Airbnb, we strive to create a world where anyone can belong anywhere. We are seeking a dedicated and technically adept Senior Technical Program Manager (TPM) to enhance our Payments and Insurance Engineering team as we expand our capabilities and meet strategic business goals.This role will involve collaborating with our Payments and Insurance engineering, operations, and product teams to innovate and execute new capabilities that align with Airbnb’s mission. The ideal candidate will possess a solid technical background and will adeptly lead multiple strategic initiatives that provide value and uphold key commitments within the payments and insurance domains.Your Impact:You will be instrumental in navigating complexity and delivering predictable, impactful results. You will manage intricate projects that span various products, services, functions, and teams, requiring a balance between maintaining a holistic view and addressing granular details. Success in this position hinges on a strong sense of ownership, critical thinking, and strategic relationship management with cross-functional stakeholders.A Typical Day:Oversee the planning, execution, and delivery of extensive cross-functional initiatives focused on key business objectives.Balance overarching, outcome-oriented strategies with meticulous attention to critical details, exercising sound judgment in prioritization for successful execution.Shape and steer the technical trajectory of projects, ensuring stakeholder requirements are met while adhering to high-quality standards.

About BureauAt Bureau, we recognize that behind the seamless digital transactions that billions engage in daily lies a significant challenge: digital fraud and mistrust. With global losses surpassing US$486 billion each year, critical questions arise for businesses: “Who are you?” and “Can I trust you?” We provide the answer.Bureau stands as an integrated platform for identity decision-making, fraud prevention, and compliance assurance. We are dedicated to enhancing security and compliance while simplifying identity management for organizations. Our workplace fosters a culture of leadership, open communication, and idea generation where every voice is important. Our core values—confidence, growth, customer obsession, and speed—drive us to excel daily. Think of Bureau as your career launchpad.In just a few years, we have developed a knowledge graph comprising over 1 billion verified identities worldwide. Supported by Sorenson Capital and PayPal Ventures, Bureau is rapidly scaling while revolutionizing the landscape of digital trust.Position OverviewWe are seeking a seasoned and proactive Fraud and Risk Product Manager to join our innovative team. This essential role merges extensive technical knowledge with substantial client engagement, focusing on empowering organizations to tackle the ever-evolving threats of fraud through advanced risk management solutions and strategic product utilization. If you thrive on overcoming intricate challenges, excel at translating technical solutions into concrete business value, and flourish in collaborative settings, we invite you to apply.

Join our dynamic team at First Abu Dhabi Bank as a Senior Analyst in Technology Risk Management. In this pivotal role, you will play a crucial part in identifying, assessing, and mitigating technology-related risks that could impact our operations. You will collaborate with various stakeholders to ensure compliance with regulatory requirements and promote a culture of risk awareness across the organization. Your analytical skills will be key in evaluating existing controls and developing strategies to enhance our risk management framework.

We are looking for a talented and dynamic Program Manager for Data Operations to join our team at bespokelabs. In this role, you will play a pivotal part in overseeing data-driven projects, ensuring the seamless execution of our data operations, and driving the strategic objectives of our organization. You will work closely with cross-functional teams to enhance data processes and optimize our operational capabilities.

About the Role: We are looking for a highly motivated Legal Executive to join our vibrant Collections team in Bangalore. This pivotal position will support our strategic transition towards more proactive legal measures, including litigation, aimed at significantly improving recovery rates. The primary responsibilities will revolve around legal activities related to collections, particularly involving Permanent Lok Adalat, necessitating full-time dedication and frequent court appearances.Key Responsibilities:Permanent Lok Adalat Activities: Oversee and manage all aspects related to Permanent Lok Adalat cases. This includes preparing and retrieving essential documents, filing applications, presenting evidence, attending court sessions, and effectively explaining accounts and loan agreements to the court to expedite case resolutions.Litigation Support: Play a crucial role in initiating and pursuing legal actions aimed at enhancing recovery for the collections business. This involves preparing and filing litigations on behalf of lenders such as SMFG and Admin Finance, with their approval.Court Appearances: Act as the representative for Lender/Paytm in court, ensuring the timely and accurate submission of all necessary documents and affidavits.Coordination: Collaborate seamlessly with external vendors responsible for managing legal notices and processes.Document Management: Organize and maintain accurate records for all legal activities, ensuring efficient documentation practices.Adaptability: Stay prepared to assist with other legal activities as business needs evolve beyond Permanent Lok Adalat.

About Our TeamAre you ready to embark on a journey to revolutionize financial inclusion in Bharat? Join us at Meesho as we strive to create a unicorn within a unicorn! Our Financial Services (FS) division represents one of our most significant strategic initiatives, aiming for exponential growth in the coming years. Just like Ant Financial transformed Alibaba and Mercado Pago elevated Mercado Libre, we envision building robust financial services that will drive growth and revenue for Meesho. Having established our Product-Market Fit and successfully navigated the initial phases of our journey, we are now seeking a visionary individual to spearhead our next growth chapter—transitioning from 10-100-1000. This role promises to be one of the most exhilarating and fulfilling experiences in your career.As part of the Financial Services team, we prioritize results while ensuring that learning and enjoyment are part of our journey.About the RoleIn this pivotal phase of our FS journey, lending will be our primary focus, with risk management at the heart of establishing a sustainable, scalable credit business. A key challenge lies in how we assess the risk of borrowers who lack credit histories. We need to explore alternative data sources to better profile our borrowers and leverage our platform to gain a sustainable competitive edge. You will take the lead in developing policies, driving data science initiatives, and conducting analytics to address these critical questions. Your responsibilities will include refining existing policies, creating analytical frameworks, developing robust analyses, and translating insights into actionable strategies. Initially, your role will involve designing credit policies based on Meesho platform data, bureau data, and alternative data, as well as building scorecards and models for approval. You will also design experiments to analyze cohort behavior and experimental policies, while automating portfolio reporting and tracking key performance indicators across various levels.

Join Payoneer as an Early Retention Program Manager and play a crucial role in enhancing the customer experience from the very beginning of their journey. As a key member of our team, you will develop and implement strategies aimed at maximizing customer retention and satisfaction.Your responsibilities will include analyzing customer data, designing retention programs, and collaborating with cross-functional teams to ensure a seamless experience for our clients. If you are passionate about customer engagement and have a knack for innovative solutions, we want to hear from you!

At Toast, we empower restaurants and local businesses to thrive in a digital landscape, enabling owners to operate efficiently, boost sales, foster customer engagement, and maintain employee satisfaction. Our mission is to build a comprehensive restaurant platform that enables businesses to adapt, take charge, and focus on their passion: cultivating the restaurants they love. With an unwavering commitment to our customers, the Toast team is equipped to assist restaurants in navigating challenging times through innovative technology, valuable resources, and a supportive community. Our purpose-built technology, crafted by industry experts, ensures that we meet today’s needs while investing in future experiences that will enhance the restaurant landscape. Bready* to make a change?As a Senior Analyst within our Model Risk Management team, you will play a pivotal role in overseeing the Model Risk Program, which encompasses conducting model validation reviews, managing the model risk inventory, and tracking model performance, particularly concerning Fraud and Generative AI Models. Collaboration with our Data Science Team, architects, engineers, and product managers will be key as you evaluate the risks associated with model design, implementation, and utilization across various product lines.A day in the life (Responsibilities) Lead the execution of the Second Line of Defense (2LOD) Model Risk Management (MRM) program for high-risk models, focusing on Fraud detection models (Transaction Fraud & Merchant Fraud) and Generative AI / LLM-based systems deployed across Toast.Support the enhancement of the Model Risk Management framework, including policies, procedures, validation standards, governance documentation, templates, and best practices in alignment with evolving regulatory and industry standards.Implement model lifecycle standards across development, implementation, monitoring, recalibration, change management, governance, and decommissioning, ensuring robust controls for traditional ML models and GenAI systems (e.g., RAG architectures, copilots, AI-assisted decision tools).Contribute to the creation, risk-tiering, and ongoing maintenance of a comprehensive model inventory, encompassing assessments of model impact, intrinsic risk (complexity and methodology), reliance on model outputs, and emerging AI-specific risks.Conduct independent model validation reviews under senior leadership guidance, focusing on conceptual soundness,...

About Paytm: Paytm stands as India’s premier mobile payments and financial services platform, revolutionizing the mobile QR payment landscape in the country. Our commitment lies in empowering small businesses through innovative technologies that facilitate seamless payments and commerce. Paytm aims to onboard half a billion Indians into the formal economy leveraging cutting-edge technology.About the Team: Join our dynamic Fraud & Risk Operations team as an Associate or Senior Associate, where your expertise will be pivotal in safeguarding our platform.About the Role: You will be responsible for reviewing and managing alerts triggered by defined parameters related to fraud and risk. Your analytical skills will enable you to document findings and thoroughly analyze information to uncover patterns and trends. You will also be expected to provide actionable insights to internal teams based on your analysis.Key Responsibilities:Analyze data to derive insights into merchant transaction behaviors and identify potential risk trends, translating these into effective risk strategies.Engage with merchants via calls and emails to logically review and resolve alerts.Perform thorough reviews to identify and mitigate potentially fraudulent activities.Support fraud detection processes through management reporting and automated workflows.Collaborate with both internal and external stakeholders.Conduct transaction data analysis across merchant platforms to provide insights into trends and customer behaviors.Manage risk cases, ensuring timely investigation and follow-up.Refine key risk indicators used on the platform and identify opportunities to enhance data quality.Utilize open-source searches to gather relevant information for investigations.Capture and document information in accordance with KYC policies.Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for merchants.Flexibility to work in rotational shifts is essential.Qualifications:A minimum of 1 to 3 years of relevant experience.Excellent verbal and written communication skills.Proactive, self-driven, and possess strong analytical capabilities.Strong interpersonal skills and an understanding of technology and user experience.

About Glean:Established in 2019, Glean is an avant-garde AI-driven knowledge management platform that empowers organizations to efficiently locate, organize, and disseminate information among their teams. By integrating seamlessly with popular tools like Google Drive, Slack, and Microsoft Teams, Glean guarantees that employees can access the right knowledge at the right moment, enhancing productivity and collaboration. Our state-of-the-art AI technology simplifies knowledge discovery, making it quicker and more efficient for teams to utilize their collective intelligence.Glean was founded by Arvind Jain, who recognized the challenges employees face when searching for and comprehending information at work. Witnessing how fragmented knowledge and numerous SaaS tools hindered productivity, he envisioned an improved solution—an AI-powered enterprise search platform that facilitates intuitive access to necessary information. Since its inception, Glean has transformed into the premier Work AI platform, merging enterprise-grade search capabilities with an AI assistant and robust application and agent-building functionalities to redefine workplace dynamics.About the Role:Glean is seeking a Senior Technical Program Manager to spearhead large-scale, cross-functional initiatives that will influence the trajectory of our products and infrastructure. This role presents numerous opportunities to engage in high-impact programs across engineering, product, design, and business teams, ensuring alignment, execution, and delivery of critical priorities. You will be instrumental in defining program objectives, structuring execution plans, and empowering teams to deliver results with agility and excellence. Initiatives you may lead include scaling infrastructure to accommodate substantial data volumes, coordinating multi-team feature launches, driving compliance and security efforts, and establishing frameworks to enhance execution efficiency across the organization.

Abnormal Security is looking for an Associate Technical Program Manager to help drive the execution of AI-enhanced SaaS products. This hybrid role is based in Bangalore and is suited for early-career professionals interested in shaping the company's Research & Development Operating System. Role overview This position focuses on establishing predictable and standardized R&D processes, which are essential for Abnormal Security's growth. As the company develops new AI-powered products and features, Technical Program Managers play a key role in ensuring these projects are executed smoothly and efficiently. What you will do Work closely with Product and Engineering teams to design and implement systems that support efficient project execution Help create processes that make project progress visible and reliable Support the rollout of new products and features by providing structure and coordination Who succeeds here Thrives in an entrepreneurial environment and adapts to changing priorities Comfortable with ambiguity and able to navigate through it confidently Brings a growth mindset and learns quickly

Wrike is a leading work management platform that empowers teams and organizations to collaborate, innovate, and excel daily. By centralizing all work, Wrike simplifies processes, boosts productivity, and enables individuals to focus on their most impactful tasks. Our vision: A world where everyone is free to concentrate on their most meaningful work, together. About the RoleAs a Billing & Collections Specialist at Wrike, you will play a vital role in ensuring accurate and prompt billing and collections for our diverse global clientele. Your responsibilities will encompass managing invoices, payments, and contract processes, which will directly support revenue integrity and enhance customer satisfaction, thereby contributing to Wrike's financial stability and operational excellence.Your ImpactSupport US working hours (6:30pm IST to 3:30am IST) to collaborate with our global teams and clients.Proactively follow up on outstanding invoices by reaching out to customers via email and phone to ensure timely payments.Efficiently allocate incoming payments to the appropriate invoices and customer accounts.Review, validate, and process customer contracts using CPQ/Salesforce (SFDC).Ensure customers are provisioned according to signed agreements and fulfill all contractual obligations.Create, verify, and send invoices in accordance with internal policies, regulations, and customer specifications.Deliver operational and process support to Sales, Renewals, Legal, Customer Support, Customer Success, and other internal teams.Assist in structuring deals and contracts to develop optimal solutions for Sales while adhering to company guidelines and system regulations.Validate or escalate exceptions and customization requests when necessary.Utilize SFDC, CPQ, NetSuite, Wrike, and Zendesk daily to manage billing and customer inquiries.Troubleshoot any system limitations or issues related to billing and contracts.Address customer queries, including cancellation requests and vendor form completions.Provide assistance and coverage to other billing team members as required.Perform additional ad-hoc duties to support the broader Finance and Operations functions.Your QualificationsBachelor’s degree in Business, Finance, Accounting, or a related discipline.3+ years of relevant experience in billing, collections, order management, or a similar field.Proficient in verbal and written communication in English; additional languages are a plus.Experience with CPQ/Salesforce (SFDC) and NetSuite is advantageous.Strong analytical and problem-solving skills.Detail-oriented with a focus on accuracy and compliance.Ability to work under pressure and meet tight deadlines.

Meraki Labs, based in Bangalore’s HSR Layout, brings together experienced founders and engineers to turn ambitious ideas in technology, health, commerce, education, and AI into new ventures. The team is led by Mukesh Bansal and Peeyush Ranjan, who bring deep experience from companies like Myntra, Curefit, Google, Airbnb, and Flipkart. This Program Manager role offers the chance to work directly with the founding team from day one. The position is fully on-site, five days a week, and focuses on shaping new ventures from scratch. The work spans market research, customer interviews, and launching early-stage products. Expect to help create structure and formalize processes as each idea grows into a company. What you will do Identify and validate opportunities: Lead research into markets, analyze competitors, and use data and customer feedback to test new ideas. Go-to-market strategy: Develop and execute launch plans, including product positioning, pricing, and engaging with early users. Field engagement: Connect directly with customers, partners, and industry experts; translate insights into actionable steps. Build from scratch: Create key content, set up tools, onboard first users, and form partnerships independently. Operational frameworks: As ventures take shape, help establish processes, objectives, and internal systems to support growth. Requirements Initiative and adaptability in ambiguous situations Strong entrepreneurial drive Comfort building new projects with minimal direction Problem-solving skills in uncharted territory