Bussiness 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.

GroundTruth is an advertising platform that turns real-world behavior into marketing that drives in-store visits and other real business results. We use observed real-world consumer behavior, including location and purchase data, to create targeted advertising campaigns across all screens, measure how consumers respond, and uncover unique insights to help optimize ongoing and future marketing efforts.

With this focus on media, measurement, and insights, we provide marketers with tools to deliver media campaigns that drive measurable impact, such as in-store visits, sales, and more.

Learn more at groundtruth.com.

We believe that innovative technology starts with the best talent and have been ranked one of Ad Age’s Best Places to Work in 2021, 2022, 2023 & 2025! Learn more about the perks of joining our team here.

Location: Remote, India

About Us

The bidding team is responsible for developing and maintaining our real-time advertising bidder and the data processes generating the index files powering it. Our bidder currently receives ~500k transactions per second on AWS infrastructure typically responding to internal bid requests in under 10ms. This is a high-volume low-latency system and the team focuses on technical excellence in C++, perl, and python to continuously improve cost performance while bringing new features and optimization strategies to market for our customers.

You will:

• Proactively work to develop the skills and behaviors of each team member, coaching and mentoring them toward success in their tasks and careers
• Collaborate with management, stakeholders, and the team to evaluate, plan, and deliver projects involving advertising software systems, components, and features
• Promote transparency regarding the team’s activities across the organization through documentation, structured processes, and effective communications
• Facilitate the team’s learning, growth, and maturity in their agile practices
• Lead by example writing production-ready front-end and backend-code with a continuous delivery & deployment pipeline on AWS
• Support employees by having regular 1:1 conversations, providing feedback, planning for and conducting quarterly reviews, scheduling time-off, facilitating training, providing recognition, and managing any personal or performance issues

You have:

• Education and professional experience: Bachelor’s degree in Computer Engineering or equivalent.
• 8+ experience in technology, including software development, architecture, or related areas.
• 2+ years of experience in team management or technical leadership.
• Primary Skills : C++14/17/20/23, perl, AWS, Git, STL
• Additional nice to have skills/certifications: Python, Apache Web Server, Nginx, Protocol Buffers, HAProxy, Redis, Kinesis, Sed, Awk, Athena

How you can impress us:

• A team player who is organized, flexible and willing to adapt
• Not afraid of new technologies and driven to learn
• A detail-oriented person, who catches problems early and adjusts
• A strong communicator who is able to collaborate with multiple business and engineering stakeholders and work through conflicting needs
• A problem solver who likes to dive deep into a problem, diagnose root causes and work with multiple teams to come up with a solution
• Eager to provide direction and build consistent processes in a maturing start-up culture
• A self-starter who can operate with minimal supervision

What We offer:

At GroundTruth, we want our employees to be comfortable with their benefits so they can focus on doing the work they love.

• Parental leave- Maternity and Paternity
• Flexible Time Offs (Earned Leaves, Sick Leaves, Birthday leave, Bereavement leave & Company Holidays) 
• In Office Daily Catered Breakfast, Lunch, Snacks and Beverages
• Health cover for any hospitalization. Covers both nuclear family and parents
• Tele-med for free doctor consultation, discounts on health checkups and medicines
• Wellness/Gym Reimbursement
• Pet Expense Reimbursement
• Childcare Expenses and reimbursements
• Employee referral program
• Education reimbursement program
• Skill development program
• Cell phone reimbursement (Mobile Subsidy program).
• Internet reimbursement/Postpaid cell phone bill/or both.
• Birthday treat reimbursement
• Employee Provident Fund Scheme offering different tax saving options such as Voluntary Provident Fund and employee and employer contribution up to 12% Basic
• Creche reimbursement
• Co-working space reimbursement
• National Pension System employer match
• Meal card for tax benefit
• Special benefits on salary account

Individual Contributor

Product Owner

6 years plus on Angular with TypeScript/React.js

Immediate Joiners Only

Worked on Dashboards customising Components

Roles & responsibilities :

- Developing new user-facing features using React.js

- Building reusable components and front-end libraries for future use

- Translating designs and wireframes into high quality code

- Optimizing components for maximum performance across a vast array of web-capable devices and browsers

Desired skills :

- Strong knowledge of Javascript (ES6) including all the latest features

- Ability to create flexbox driven UI layout

- Ability to comprehend performance issues and solve them

- Strong debugging skills using the browser

- Knowledge of Git (including merging, branching and resolving merge conflicts)

Responsibilities

• Create content marketing campaigns to drive leads and subscribers, using SEO best practices to generate traffic to our site
• Regularly produce various content types, including email, social media posts, blogs and white papers
• Actively manage and promote our blog, and pitch articles to relevant third-party platforms
• Edit content produced by other members of the team
• Analyses content marketing metrics and make changes as needed.
• Optimizing current content on our website (page titles, meta descriptions, h1s, alts, anchor text, etc.)
• SEO-friendly writing (as well as other forms of PR--media pitches, articles, etc.)
• Excellent verbal and written communication skills

Qualifications

Any Graduate/Post Graduate

6+ years of experience developing on Shopify’s eCommerce platform including customization of various themes using Liquid

● 6+ years of experience in front-end technologies including JavaScript, AJAX, HTML, CSS, SCSS, and GraphQL.

● Superb troubleshooting & debugging skills.

● Interest in staying current and applying the most current best practices.

● Able to work effectively in a fluid, fast-paced environment. ● Experience working with many cross functional partners to drive complex projects forward. ● Experience working with agile teams and making rapid decisions in a dynamic and disruptive environment.

● A disciplined approach to testing and quality assurance.

● Positive Attitude, high energy, and love for broadening web development skill set. ● Proficient in co-coordinating with teams and clients across different time zones. ● Familiar with JIRA, ConfluenceKnowledge in other ecommerce platforms such as BigCommerce orCommercetools is big plus

Net Developer

• Experience range 2-7 years
• Excellent web development experience in large scale applications
• Experience with Winforms
• Classic ASP, C#, .NET, MVC, SQL, JavaScript Bootstrap, Web API skills are a must
• Strong experience with C#, .NET Core, and relevant design patterns
• Strong MS-SQL query skills
• Knowledge of classic .asp
• Proficiency in front-end development with JavaScript and HTML

Responsibilities:

· Excellent knowledge of all leading social media platforms such as, Facebook, Twitter, Instagram, LinkedIn etc.

· Assist with the planning of marketing strategies to help drive traffic and engagement to the website

· Produce content for social media channels such as Facebook, Twitter, Instagram, LinkedIn, Pinterest etc.

· Keep up to date with any social media trends

· Track social media influencers

· Ensure you produce a consistent brand message across all the social media channels

· Regularly monitor competitor social media sites and create competitor analysis reports

· Contribute to the company blog

· Assist with social media performance reports

· Engage with social media users and respond to any mentions over Facebook, Twitter, Instagram, LinkedIn, Pinterest etc.

· Writing effective SEO content for blogs, websites and social media accounts.

· Coordination with the digital marketing team to report findings and recommendations.

Qualifications:

· Outgoing and easy to work with.

· Substantial social media presence.

· Ambitious and hardworking.

· Knowledge of Adobe Photoshop/ Illustrator and video editing is an added advantage.

· Excellent communication skills

Relevant experience in determining a target audience and how to cater to unique marketing campaigns to capture their attention.