3 Risk-based testing Jobs in India

Senior QA Engineer

Make quality part of the engineering system.

AbleCredit builds software for complex enterprise workflows where AI, APIs, business rules, human decisions, and real-world operations have to work together reliably. We care about building products that work in production - not just in demos. We're looking for a senior quality engineer who can move quality upstream: from release-time testing to better automation, contracts, observability, and engineering practices.

What You'll Own?

• Own quality strategy across web, mobile, backend APIs, integrations, and end-to-end workflows.

• Design and maintain automated regression suites for critical customer journeys.

• Build API, integration, contract, and workflow tests that catch failures before production.

• Partner with engineering and product teams during design - not only after development is complete.

• Define release readiness, risk-based testing, and production validation practices.

• Investigate escaped defects, identify systemic causes, and drive preventive improvements.

• Improve test data, environments, tooling, and CI integration so teams can ship confidently.

What We're Looking For?

• 5+ years in software quality engineering or test automation.

• Strong API and backend testing experience, including asynchronous and integration-heavy systems.

• Experience testing mobile and web applications and understanding client/ server failure modes.

• Ability to write automation in JavaScript/ TypeScript, Python, Java, or a similar language.

• Strong debugging skills across logs, network requests, databases, and distributed services.

• Experience with CI/CD and integrating automated tests into release pipelines.

• A product mindset: prioritize risk and customer impact rather than maximizing test-case counts.

Nice to Have

• Performance, load, security, or reliability testing.

• Experience with Playwright, Cypress, Appium, Postman/ Newman, k6, or similar tooling.

• Experience with event-driven systems, queues, webhooks, and long running workflows.

• Experience testing AI-assisted or non-deterministic product behavior.

How We Think About Quality?

Quality is an engineering responsibility. Automation should create confidence, not dashboards. A production escape should improve the system that allowed it to happen. The goal is simple: ship quickly without making customers our test environment.

REVIEW CRITERIA:

• Strong Credit & Risk strategist profile
• Must have 2.5+ years of experience as credit and risk strategist/analyst in unsecured personal loan in B2C Fintech Product Companies (or NBFC)
• Must have strong understanding of automated underwriting and SMS underwriting for lending
• Must have experience with scorecards, rule engine, bureau data, device signals and behavioural insights
• B2C Fintech Product companies 

ROLE & RESPONSIBILITIES:

We are looking for a Credit & Risk Lead who can craft smart, data-driven credit strategies to scale the app while keeping delinquencies low.

WHAT YOU’LL DO:

• Build and refine credit strategies for short-tenure, small-ticket unsecured personal loans.
• Work with Data Science to improve decision engines, scorecards, rules, and real-time underwriting models.
• Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends.
• Analyse bounce rates, roll rates, early-bucket trends, and cohort behaviour to identify segments driving delinquencies.
• Share clear insights with Collections to boost pre-due and early DPD performance and improve cure rates.
• Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously.
• Strengthen fraud detection, identity checks, and thin-file underwriting frameworks to ensure clean approvals.
• Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines.
• Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future-ready.

IDEAL CANDIDATE:

• 2.5+ years in unsecured personal loan risk within a fintech or NBFC.
• Strong understanding of digital underwriting, policy design, and credit decisioning for short-tenure PL.
• Experience working with scorecards, rule engines, bureau data, device signals, and behavioural insights.
• Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions.
• Strong communication, cross-functional collaboration, and a proactive, analytical mindset.

PERKS, BENEFITS AND WORK CULTURE:

• Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder.
• Best of both worlds: startup energy + listed company stability.
• Competitive pay and fast-track growth.

REVIEW CRITERIA:

• Strong Credit & Risk strategist profile
• Must have 2.5+ years of experience as credit and risk strategist/analyst in unsecured personal loan in B2C Fintech Product Companies (or NBFC)
• Must have strong understanding of automated underwriting and SMS underwriting for lending
• Must have experience with scorecards, rule engine, bureau data, device signals and behavioural insights
• B2C Fintech Product companies 

ROLE & RESPONSIBILITIES:

We are looking for a Credit & Risk Lead who can craft smart, data-driven credit strategies to scale the app while keeping delinquencies low.

WHAT YOU’LL DO:

• Build and refine credit strategies for short-tenure, small-ticket unsecured personal loans.
• Work with Data Science to improve decision engines, scorecards, rules, and real-time underwriting models.
• Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends.
• Analyse bounce rates, roll rates, early-bucket trends, and cohort behaviour to identify segments driving delinquencies.
• Share clear insights with Collections to boost pre-due and early DPD performance and improve cure rates.
• Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously.
• Strengthen fraud detection, identity checks, and thin-file underwriting frameworks to ensure clean approvals.
• Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines.
• Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future-ready.

IDEAL CANDIDATE:

• 2.5+ years in unsecured personal loan risk within a fintech or NBFC.
• Strong understanding of digital underwriting, policy design, and credit decisioning for short-tenure PL.
• Experience working with scorecards, rule engines, bureau data, device signals, and behavioural insights.
• Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions.
• Strong communication, cross-functional collaboration, and a proactive, analytical mindset.

PERKS, BENEFITS AND WORK CULTURE:

• Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder.
• Best of both worlds: startup energy + listed company stability.
• Competitive pay and fast-track growth.