Business Developer

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 Description:

As an Azure Data Engineer, your role will involve designing, developing, and maintaining data solutions on the Azure platform. You will be responsible for building and optimizing data pipelines, ensuring data quality and reliability, and implementing data processing and transformation logic. Your expertise in Azure Databricks, Python, SQL, Azure Data Factory (ADF), PySpark, and Scala will be essential for performing the following key responsibilities:

Designing and developing data pipelines: You will design and implement scalable and efficient data pipelines using Azure Databricks, PySpark, and Scala. This includes data ingestion, data transformation, and data loading processes.

Data modeling and database design: You will design and implement data models to support efficient data storage, retrieval, and analysis. This may involve working with relational databases, data lakes, or other storage solutions on the Azure platform.

Data integration and orchestration: You will leverage Azure Data Factory (ADF) to orchestrate data integration workflows and manage data movement across various data sources and targets. This includes scheduling and monitoring data pipelines.

Data quality and governance: You will implement data quality checks, validation rules, and data governance processes to ensure data accuracy, consistency, and compliance with relevant regulations and standards.

Performance optimization: You will optimize data pipelines and queries to improve overall system performance and reduce processing time. This may involve tuning SQL queries, optimizing data transformation logic, and leveraging caching techniques.

Monitoring and troubleshooting: You will monitor data pipelines, identify performance bottlenecks, and troubleshoot issues related to data ingestion, processing, and transformation. You will work closely with cross-functional teams to resolve data-related problems.

Documentation and collaboration: You will document data pipelines, data flows, and data transformation processes. You will collaborate with data scientists, analysts, and other stakeholders to understand their data requirements and provide data engineering support.

Skills and Qualifications:

Strong experience with Azure Databricks, Python, SQL, ADF, PySpark, and Scala.

Proficiency in designing and developing data pipelines and ETL processes.

Solid understanding of data modeling concepts and database design principles.

Familiarity with data integration and orchestration using Azure Data Factory.

Knowledge of data quality management and data governance practices.

Experience with performance tuning and optimization of data pipelines.

Strong problem-solving and troubleshooting skills related to data engineering.

Excellent collaboration and communication skills to work effectively in cross-functional teams.

Understanding of cloud computing principles and experience with Azure services.

• Writing, developing, testing, and implementing new software and web applications in Ruby
• Develop back-end components and integrate them with front-end
• Testing and improving existing Ruby software
• Create sufficient documentation of the software
• Offer customers specific advice and suggestions in the Ruby area
• Creation, administration, and maintenance of APIs
• Carry out troubleshooting in appropriate cases
• Good understanding of the syntax of the Ruby language
• Knowledge of RoR and libraries (Resque or RSpec)
• Knowledge of OOP
• Front-end technologies – such as JavaScript, HTML5, and CSS3
• Familiarity with automated testing, continuous integration
• Experience in handling and developing APIs
• Knowledge of Mocking, MVC, RESTful
• Ability to integrate multiple data sources and databases into one system
• Knowledge of basic design principles for an app
• Skilled at code versioning tools such as Git, Mercurial, or SVN
• Enthusiasm for emerging technologies and methods
• Pragmatism, reliability, and curiosity
• Excellent written and spoken communication skills
•  

In a mobile-first world, there is always an inevitable risk posed by cyber security concerns, which is addressed by our client through API-based solutions. They focus on securing mobile-first enterprises against new age cyber fraud. Their aim is to reduce risk and accelerate the growth of all mobile transactions.

• Devising campaigns and strategies to increase end-consumer sign-up
• Being guardian for the Conversion rate optimization (CRO) for the entire merchant funnel - Landing page, Signup, Onboarding, Referral and Engagement
• Handling all merchant lifecycle communication to optimize merchant funnels via emails, sms, push notifications and more
• Working closely with Product team to create viral loops across the merchant and consumer lifecycle to drive sustainable product-led growth
• Working on content for various use cases and mediums - blogs, video scripts, ads copies, landing pages, social media copies, etc.
• Enabling sales and business teams with lead generation - sales kits, testimonials, case-studies to better the conversion funnel
• Improving merchant sign-ups to keep the top-line ticking - community building, webinars, event organization etc. to increase brand awareness

What you need to have:

• At least 3+ years experience working in D2C/ SaaS/ Payments space with focus on building strategies around growth, conversions, engagement and retention either in a product marketing/ growth marketing role
• Ability to build a trackable and transparent leads pipeline for sales teams to hunt
• Excellent verbal and written communication skills
• Experience with analytics and event tracking tools (Mixpanel, Google Analytics)
• Experience with marketing automation tools or CRMs
• Experience with HubSpot would be a bonus    

Skills Required (Mandatory):

• Automation Testing- using Selenium Java

Roles and Responsibilities:

Experienced with automation tools -Selenium or Appium

Defect management tools (ie: JIRA) Scripting knowledge with Java Programming language 

Understanding of current technologies, Software Test Life Cycle (STLC), Agile and Iterative Development methodologies.

Identify and communicate test plan / cases to automate based on automation framework and approach Defect management tools (ie: JIRA).

Good to Have:

Jmeter, Saucelabs, Testfairy, Postman, Charles proxy, Logcat, etc.

Agile methodology.

Logo Designing? Image editing? Creating Sales Pages? And contagious conversations? If these are your 'things' then read on:

What you will do: