Product Manager - Credit Risk

Credhive; Delhi; On-site; INR 2,500,000 - 4,500,000; Full time

Benefits offered by this job

Competitive salary

Real ownership

Fast execution

Job summary

Credhive is hiring a Product Manager - Credit Risk Platform in India to own a data-driven B2B trade data network and its intelligence layer. You will design data contributions, build scoring and insights, and drive growth through a defensible data moat.

This role emphasizes 0→1 product ownership, cross-functional execution, and delivering trusted credit signals for SMEs in a fast-growing startup.

Qualifications

• Prior ownership of a B2B product.
• 2–3+ years in one or more of: trade credit, B2B lending, supply-chain finance, SME credit risk, or procurement intelligence.
• Experience with Indian SME ecosystems - Tally/Vyapar/Khatabook landscape, trade-association dynamics, regional industry clusters, and the realities of MSMEs manage receivables/payables.
• Has built or scaled a product where user-contributed data is the core asset - reporting platforms, review networks, credit registries, or B2B marketplaces.
• Familiarity with Indian credit signals (ROC filings, GST compliance, bureau inputs, bank statement proxies, alternate data) and how they complement trade payment data.

Responsibilities

• Own the roadmap for the business intelligence data platform.
• Design the data contribution flywheel: incentive architecture and data flows.
• Build multi-channel ingestion paths — Tally plugin, Zoho/QuickBooks integrations, bulk Excel/CSV upload, WhatsApp-based submission.
• Design trust and privacy layers: anonymisation, consent flows, buyer notifications, and confidence scoring.
• Own network health metrics and prioritise growth investments.
• Coordinate cross-functional execution across Product, DS, Eng, Design, and GTM for the two-sided product.

Skills

B2B product ownership

Trade credit knowledge

Supply-chain finance

SME credit risk

Job description

We are a seed-funded startup using state-of-the-art AI to reimagine how businesses access credit and risk intelligence. Our team includes ML and engineering talent from top-tier US tech companies, the product is live with early customers, and we're building fast. With our product already in the market, first clients onboarded, and sufficient runway secured, we are passionate about using AI to enhance access to credit information for businesses.

We're hiring a Product Manager - Credit Risk Platform to own CredHive's proprietary B2B trade data network and the intelligence layer built on top of it. Think of this as building India's first contributed trade credit registry fused with company intelligence - where businesses report invoice and payment data, and the platform turns it into trade credit scores, buyer reliability signals, and supply-chain risk views that no public filing can provide. This is a high-ownership, 0→1 role where you'll design the data contribution flywheel, ship the scoring and intelligence products, and build the network effects that make CredHive's data moat permanently defensible.

Key Responsibilities

• Own the roadmap for the business intelligence data platform: contributed data ingestion, B2B trade credit scoring, supplier/buyer reliability profiles, and payment-behaviour analytics.
• Design the data contribution flywheel: incentive architecture, value exchange mechanics, and cold-start sequencing to drive businesses to report trade receivables and payment data.
• Build multi-channel ingestion paths — Tally plugin, Zoho/QuickBooks integrations, bulk Excel/CSV upload, WhatsApp-based invoice submission — prioritised by coverage and data quality tradeoffs.
• Design trust and privacy layers: anonymisation of reporting relationships, DPDP-compliant consent flows, buyer notification mechanics, and confidence scoring that reflects reporting density and data freshness.
• Own network health metrics: reporting density per buyer, geographic and sector coverage, reciprocity rates, data freshness SLAs — and use them to prioritise where to invest in growth next.
• Drive cross-functional execution across Product, DS, Eng, Design, and GTM — with a particular focus on coordinating the two-sided nature of the product (contributors and consumers).

Qualifications

• Prior ownership of a B2B product.
• Strong grounding (2–3+ years) in one or more of: trade credit, B2B lending, supply-chain finance, SME credit risk, or procurement intelligence.
• Experience with Indian SME ecosystems - Tally/Vyapar/Khatabook landscape, trade-association dynamics, regional industry clusters, and the realities of how MSMEs manage receivables and payables.
• Has built or scaled a product where user-contributed data is the core asset - reporting platforms, review networks, credit registries, or B2B marketplaces.
• Familiarity with Indian credit signals (ROC filings, GST compliance, bureau inputs, bank statement proxies, alternate data) and how they complement trade payment data.

What We Offer

• Competitive salary and benefits package.
• Real ownership and fast execution.