Associate Product Manager

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.

JOB DETAILS:

* Job Title: Tester III - Software Testing- Playwright + API testing

* Industry: Global digital transformation solutions provide

* Salary: Best in Industry

* Experience: 4 -10 years

* Location: Hyderabad

Job Description

Responsibilities:

• Design, develop, and maintain automated test scripts for web applications using Playwright.
• Perform API testing using industry-standard tools and frameworks.
• Collaborate with developers, product owners, and QA teams to ensure high-quality releases.
• Analyze test results, identify defects, and track them to closure.
• Participate in requirement reviews, test planning, and test strategy discussions.
• Ensure automation coverage, maintain reusable test frameworks, and optimize execution pipelines.

Required Experience:

• Strong hands-on experience in Automation Testing for web-based applications.
• Proven expertise in Playwright (JavaScript, TypeScript, or Python-based scripting).
• Solid experience in API testing (Postman, REST Assured, or similar tools).
• Good understanding of software QA methodologies, tools, and processes.
• Ability to write clear, concise test cases and automation scripts.
• Experience with CI/CD pipelines (Jenkins, GitHub Actions, Azure DevOps) is an added advantage.

Good to Have:

• Knowledge of cloud environments (AWS/Azure)
• Experience with version control tools like Git
• Familiarity with Agile/Scrum methodologies

Skills: automation testing, sql, api testing, soap ui testing, playwright

• Demand planning
• Create the vendor funnel of ATL & BTL marketing agencies
• Procure to pay process management and ensuring compliance with process KPIs
• Order scheduling and expediting
• Work closely with suppliers to ensure effective support
• Supervising goods/service receipt and cycle count process at the office to ensure timely receiving of goods
• Support and coordinate with the various departments particularly with accounts with ease
• Handle internal audits
• MIS preparation

Customer Success Managers are responsible for creating policies and procedures that optimize the customer experience. Customer Success Managers may gather feedback from their customers, study other customer success programs, and analyze customer data to identify the best practices. The Customer Success Manager must establish policies the entire staff can adhere to so all customers receive the same quality of service.

Customer Success Managers must know the company’s products inside and out. They are often called upon to provide technical support to customers or to provide training on their products. They may even help customers plan and understand the best ways to utilize their software or products based on the customer’s business needs or business plans. The Customer Success Manager is not focused on making sales, rather on educating their customers on the flexibility and capabilities of their software so customers are encouraged to continue using their services.

We are an IIT Bombay incubated, early stage healthcare start up developing a mobile based Ai technology to help reduce health risks for women during their pregnancy. Our Founders are Harvard and Columbia University alums with extensive experience in digital health in the US and India.

Role: Back end developer ( Python + Flask/Django, Location Mumbai, Marol):

Must have:

• 1-4 years hands on experience in Core Python with preferably Flask framework for complex web and mobile applications. 
• Deployment experience
• Must have experience with Mongodb, MySQL and AWS
• Experience in Redis, Aerospike 
• Good command of API development and deployment ( G Unicorn, Supervisor, Jenkins) Algorithms, system design, OOPS concepts.
• Agility and flexibility to in start up environement with focus on customer, excellent communication skills, and high level of responsibility and responsiveness.
• Project management, scheduling, allocation and delivery.
• Proven experience in agile development, sprint planning and backlog management.

Good to Have:

Experience in Machine Learning, Dialogflow or Rasa for NLP,

 Excellent verbal/written communication in English.

·         Must be able to communicate with users of different levels from a developer to an IT executive.

·         Capable of articulating/writing technical documentation that helps all system users understand and use the product.

·         The candidate must be well versed in creating online help, end-user or technical manuals/guides, business communications, release mailers.

·         The candidate must be capable of articulating processes and products in all possible formats like print, video guides, online self-help guides, and other electronic means.

·         In addition to research, copywriting, language, writing, and revision skills, the candidate must also possess following attributes:

• Business analysis, Illustration/graphic design using power point presentation, Indexing of all help content, Training, E-learning, User interfaces, Video editing, Website content management

·         A technical writer must be able to elicit information from SMEs and conducts the research necessary to write and compile technically accurate content independently.

·         The candidate must be able to prioritize their tasks with project leader and able to multi task for different projects within the program.