Optimo Capital

About Us:

Optimo Capital is a newly established NBFC founded by Prashant Pitti, who is also a co-founder of EaseMyTrip (a billion-dollar listed startup that grew profitably without any funding).

Our mission is to serve the underserved MSME businesses with their credit needs in India. With less than 15% of MSMEs having access to formal credit, we aim to bridge this credit gap through a phygital model (physical branches + digital decision-making).

As a technology and data-first company, tech lovers and data enthusiasts play a crucial role in building the analytics & tech at Optimo that helps the company thrive.

What We Offer:

Join our dynamic startup team as a Senior Data Analyst and play a crucial role in core data analytics projects involving credit risk, lending strategy, credit underwriting features analytics, collections, and portfolio management. The analytics team at Optimo works closely with the Credit & Risk departments, helping them make data-backed decisions.

This is an exceptional opportunity to learn, grow, and make a significant impact in a fast-paced startup environment. We believe that the freedom and accountability to make decisions in analytics and technology bring out the best in you and help us build the best for the company. This environment offers you a steep learning curve and an opportunity to experience the direct impact of your analytics contributions. Along with this, we offer industry-standard compensation.

What We Look For:

We are looking for individuals with a strong analytical mindset and a fundamental understanding of the lending industry, primarily focused on credit risk. We value not only your skills but also your attitude and hunger to learn, grow, lead, and thrive, both individually and as part of a team. We encourage you to take on challenges, bring in new ideas, implement them, and build the best analytics systems. Your willingness to put in the extra hours to build the best will be recognized.

Skills/Requirements:

• Credit Risk & Underwriting: Fundamental knowledge of credit risk and underwriting processes is mandatory. Experience in any lending financial institution is a must. A thorough understanding of all the features evaluated in the underwriting process like credit report info, bank statements, GST data, demographics, etc., is essential.
• Analytics (Python): Excellent proficiency in Python - Pandas and Numpy. A strong analytical mindset and the ability to extract actionable insights from any analysis are crucial. The ability to convert the given problem statements into actionable analytics tasks and frame effective approaches to tackle them is highly desirable.
• Good to have but not mandatory: REST APIs: A fundamental understanding of APIs and previous experience or projects related to API development or integrations. Git: Proficiency in version control systems, particularly Git. Experience in collaborative projects using Git is highly valued.

What You'll Be Working On:

• Analyze data from different data sources, extract information, and create action items to tackle the given open-ended problems.
• Build strong analytics systems and dashboards that provide easy access to data and insights, including the current status of the company, portfolio health, static pool, branch-wise performance, TAT (turnaround time) monitoring, and more.
• Assist the credit and risk team with insights and action items, helping them make data-backed decisions and fine-tune the credit policy (high involvement in the credit and underwriting process).
• Work on different rule engines that automate the underwriting process end-to-end.

Other Requirements:

• Availability for full-time work in Bangalore. Immediate joiners are preferred.
• Strong passion for analytics and problem-solving.
• At least 1 year of industry experience in an analytics role, specifically in a lending institution, is a must.
• Self-motivated and capable of working both independently and collaboratively.

If you are ready to embark on an exciting journey of growth, learning, and innovation, apply now to join our pioneering team in Bangalore.