Karzero · Careers · 2026Hiring

Build the lending system India deserves.

Karzero is a small, deliberate team building India's first zero-charge lending platform. We hire when a role can be defended in a single sentence — and when the person can defend their work in another.

I.Open roles

Five roles open this quarter. We close roles when filled — we do not keep job postings up to collect résumés.

01 · Engineering
Full-time
Senior product engineer
Mumbai · hybrid
Own end-to-end product surfaces in the customer + agent portals. Next.js, TypeScript, strong eye for typography and spacing. You have shipped something you are proud of.
Apply
02 · Credit & risk
Full-time
Credit policy lead
Mumbai
Design and own the underwriting model that decides who Karzero will absorb charges for. 7+ years at a bank, NBFC, or fintech risk team. You can defend a decline with one sentence.
Apply
03 · Operations
Full-time
City launch manager
Bengaluru · on-site
Take Karzero into a new metro: recruit the first 50 agents, sign the first 3 lender partners, run the first 100 disbursals. You have done a 0→1 launch before.
Apply
04 · Design
Contract → full-time
Brand designer
Anywhere in India
Karzero is a written voice and an editorial system. Write that system into the marketing site, the product, and the print collateral. Strong type sense. Indian context literate.
Apply
05 · Compliance
Full-time
RBI compliance counsel
Mumbai
Sit between Karzero and the regulator. Lending Service Provider operating under the 2022 Digital Lending Guidelines. Bar Council member, 5+ years in BFSI compliance.
Filled

II.How we work

Four principles that shape what we build, who we hire, and what we will not do.

i.
Customers pay zero — always.
Every internal decision, every roadmap, every feature flag is judged against this one line. If a feature pushes a charge back onto the customer, it does not ship.
ii.
Tell the math.
No marketing without disclosure. Our P&L is publishable. We open the books once a month at the Karzero Ledger — and we write the explainer to go with it.
iii.
Indian by default.
We build for ₹20,000 disbursals in Kanpur, not just ₹20 Lakh disbursals in Mumbai. Devanagari renders. Auto-debits work on every bank, including small co-ops.
iv.
Hire deliberately.
A small team that ships ten times what a large team ships. You will have outsized ownership. You will also be expected to write — internally and externally.

III.The interview

Four steps, two weeks

We do not believe in seven-round interviews. The whole process is four conversations and lands in two weeks if there are no scheduling conflicts.

I.Intro — 30 minutesFounder or department lead. We get your story; you get ours. No surprises about pay, equity, or growth.
II.Craft conversation — 60 minutesWalk us through one piece of work you shipped — code, a policy doc, a launch plan, a brand system. We ask why, not what.
III.Paid work trial — 1 dayA real problem from our current week. You are paid at your daily rate. We send back the same artifact we asked you for.
IV.Offer — 48 hoursWritten offer with the full pay band, equity slab, and what the first 90 days look like. Yes or no inside a week.

IV.Don't see your role

Karzero · Talent Ledger

OPEN

Open application

Write us a paragraph.

Tell us what role you would carve at Karzero if it existed. One paragraph. Attach what you would point to. We read every one.

careers@karzero.in