Business Development Associate

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 Summary:

We are seeking a SAS Data Integration Developer to design, develop, and maintain Campaign Management Data Mart (CMDM) solutions, integrate multiple data sources, and ensure data quality for marketing analytics and campaign execution.

Key Responsibilities:

• Data Integration & ETL Development
• Develop data ingestion, transformation, and deduplication pipelines.
• Standardize, cleanse, and validate large-scale customer data.
• Work with GaussDB, SAS ESP, APIs, and SAS DI Studio for data processing.
• Master Data Management (CMDM) Configuration
• Implement unification & deduplication logic for a single customer view.
• Develop and manage data masking & encryption for security compliance.
• API & CI360 Integration
• Integrate CMDM with SAS CI360 for seamless campaign execution.
• Ensure API connectivity and data flow across platforms.
• Testing & Deployment
• Conduct Unit, Integration, and UAT Testing.
• Deploy CMDM solutions to production and provide knowledge transfer.

Key Skills Required:

• SAS Data Integration Studio (SAS DI Studio)
• Design, develop, and maintain Campaign Management  Data Mart  (CMDM)
• Data Management (SAS Base, SQL, Data Cleansing)
• SAS ESP, GaussDB, and API Integration
• Data Governance (RBAC, GDPR, PII Compliance)
• Data Masking & Encryption Techniques

Job brief

We are looking for an ambitious and energetic Business Development Manager to help us expand our clientele. You will be the front of the company and will have the dedication to create and apply an effective sales strategy.

The goal is to drive sustainable financial growth through boosting sales and forging strong relationships with clients.

Responsibilities

• Develop a growth strategy focused both on financial gain and customer satisfaction
• Conduct research to identify new markets and customer needs
• Arrange business meetings with prospective clients
• Promote the company’s products/services addressing or predicting clients’ objectives
• Prepare sales contracts ensuring adherence to law-established rules and guidelines
• Keep records of sales, revenue, invoices etc.
• Provide trustworthy feedback and after-sales support
• Build long-term relationships with new and existing customers
• Develop entry level staff into valuable salespeople 

Requirements and skills

• Proven working experience as a business development manager, sales executive or a relevant role
• Proven sales track record
• Experience in customer support is a plus
• Proficiency in MS Office and CRM software (e.g. Salesforce)
• Proficiency in English
• Market knowledge
• Communication and negotiation skills
• Ability to build rapport
• Time management and planning skills

we need Candidates for Sales and Marketing for pan India . Distribution Channels , Retail Channels ,and Entertainment

• You have experience with two or more development languages preferably Java or Python and React, etc 
• You can skillfully write high-quality, well-tested code and you are comfortable with Object-Oriented programming
• Comfortability with Agile methods, such as Extreme Programming (XP), Scrum and/or Kanban
• Bonus points if you have working knowledge of cloud technology such as AWS, Azure, Kubernetes and Docker

Responsibilities : 

• Design and develop scalable, high performance, and reliable API driven services/applications in Java language that operate whole day.
• Produce high quality software that is unit tested, code reviewed, and checked in regularly for continuous integration.
• Interact with both business, financial research, and technical stakeholders to deliver high quality products and services that meets/exceeds business, customer, and technical requirements.
• Own products and code from cradle to grave including production quality/performance monitoring.

Required Skills :

• Experience building and running high performance enterprise applications developed in Java language.
• Hands on experience developing Java web applications built with modern standards-based APIs including Java based REST APIs and implementations. 
• Experience in Java language APIs, Spring technologies, Hibernate, JDBC, RDBMS and NoSQL based data persistence.
• Experience developing solutions on AWS Cloud leveraging AWS Lambda, S3, DynamoDB, Cloud Formation, and other related AWS technologies. 
• Solid understanding of Domain Modeling with Relational and Non-Relational Databases.
• Excellent debugging and problem-solving skills, including ability to diagnose and fix performance and scalability issues.
• Experience working in an agile methodology-based development environment.
• Excellent written and verbal communication skills.
• BS/B.Tech/M.Tech in Computer Science or a related field.

• Planning, budgeting and forecasting
• Developing a framework and providing guidance on planning, budgeting and forecasting to various functions and businesses and ensuring adherence to corporate guidelines
• Performing financial reporting, ad-hoc business analyses and financial modelling
• Presenting recommendations to category leadership on strategic decisions and planned future initiatives
• Providing controllership to the business and building processes that augments transparency and improves controls
• Validating scenario analysis/simulations/ ‘what if’ analysis prepared by Functional Heads/ SBU Heads
• Historical trend analysis of capital and operating expenditures for budget creation and decision support
• Consolidating and monitoring annual budgets and forecasts received from various functions and SBU Heads
• Facilitating financial reviews with business group and working with category leader to ensure effective finance and cost management
• Managing financial planning and analysis, forecasting product lines using the key input levers to the business– pricing, selection and convenience
• Facilitating weekly/ monthly/ quarterly reviews (MBR, QBR) with data analysis and follow through with category leader on actionable items for improving business metrics over a period of time
• Providing commentary for budget vs. actual result variations

What you need to have:

• Qualified CA/ICWA with 3+ years of post-qualification experience
• In-depth knowledge of costing, reconciliation, planning, budgeting and forecasting
• Experience developing financial reports and metrics    

1. Work with Angular2, NodeJS, Meteor, and MongoDB as the stack to develop newer functionalities for our platform
2. Deploy application on AWS/ Google Cloud infrastructure
3. Monitor the application regularly and fix bugs
4. Work with team to create scalable and robust infrastructure from experts