
Credit Analyst
at a fintech start-up building payment solutions to make education payments convenient
Responsibilities:
- Analyze and assess the financial statements and credit history of existing and potential clients.
- Review credit applications and perform credit checks.
- Structure deals and perform risk assessments.
- present analysis, findings, and recommendations to managers, especially findings that involve a borrower's ability to repay.
- Ability to make informed decisions backed by sound assessment.
- Consult and negotiate with clients regarding financial transactions, payment terms, and credit limits.
- Ability to handle multiple projects and submit applications on time.
- Financial forecasting.
- Practice due diligence.
- Keep up to date with the company's lending protocols.
Requirements:
- Bachelor's degree in finance, accounting, or other business-related fields.
- Strong proficiency in MS Office and general computer use.
- Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision.
- Strong attention to detail and ability to notice discrepancies in data.
- Impeccable understanding of financial statements, ratios, and concepts.

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Cloud Architect
Role: Software Engineer/Senior Software Engineer
Openings: 2
YOE: 5+ years | 8+ years
Notice Period: Immediate to 60 days
Mandatory skills: Python/Go development with strong cloud engineering expertise in AWS/Azure
Responsibilities:
- Design, architect, and implement cloud solutions on AWS and Azure platforms.
- Collaborate with stakeholders to gather requirements and develop cloud strategies aligned with business objectives.
- Lead the technical design and implementation of cloud infrastructure, ensuring scalability, security, and performance.
- Provide guidance and best practices to development teams for cloud-native application development.
- Evaluate and recommend cloud services, tools, and technologies to optimize cloud infrastructure.
- Develop automation scripts and templates for provisioning and managing cloud resources.
- Conduct performance tuning, troubleshooting, and optimization of cloud environments.
- Stay current with industry trends and emerging technologies in cloud computing.
Requirements:
- Bachelor's degree in Computer Science, Engineering, or related field. Master's degree preferred.
- 5+ years of experience in cloud architecture and design.
- Proficiency in AWS and Azure cloud platforms, including but not limited to EC2, S3, Lambda, VPC, IAM, Azure VM, Azure Storage, Azure Functions, etc.
- Strong understanding of cloud-native architectures, microservices, containers, and serverless computing.
- Experience with infrastructure-as-code tools such as Terraform, CloudFormation, ARM templates, etc.
- Hands-on experience with DevOps practices and tools, including CI/CD pipelines, Docker, Kubernetes, etc.
- Excellent communication and collaboration skills, with the ability to work effectively in a cross-functional team environment.
- Certifications such as AWS Certified Solutions Architect, Azure Solutions Architect Expert, or equivalent are a plus.
We Build Responsible AI Solutions. We are:
- A Software/Product Development Organization delivering next-generation technologies.
- Great Place To Work (GPTW) Certified, fostering a culture of trust and collaboration.
- Recognized as ET's Future Ready Organization, driving innovation responsibly.
Why join us Multicoreware Inc?
● Shape the Future of AI: At MulticoreWare Inc., you’ll work on cutting-edge technologies like computer vision, natural language processing, and generative AI, redefining industries and advancing humanity's digital future.
● Be Part of a Visionary Team: Collaborate with some of the brightest minds in AI and software engineering, solving complex challenges and driving innovation in high-performance computing and AI-powered solutions.
● Accelerate Your Growth: Experience unparalleled career development with exposure to groundbreaking projects, advanced tools, and a culture that values continuous learning and professional excellence.
● Make an Impact Globally: Work on products and solutions that influence industries like automotive, media, and healthcare, delivering responsible AI-driven innovation worldwide.
● Innovate with Purpose: Join a team where your passion for technology meets a mission-driven approach, creating solutions that blend innovation, efficiency, and sustainability.

Required Skills for this Role:
Strong experience with full-stack Javascript framework, Mongo DB,Express,
React.JS, Node JS.
Must have worked with creation of deeplinks for mobile apps
Must be well experienced in AWS, especially elastic bean in AWS
Must have worked with push notifications service
Must know socket programming
Self-motivated with the ability to work independently or jointly in a self-directed
way.
Demonstrated successful development of enterprise-grade web applications
Proven analytical and problem-solving capabilities
Comfortable leading product development
Strong work ethic and desire to build industry-leading products
Also Nice to Have Skills and Background:
Startup experience
Worked on product development
While the role will vary depending on the company and the industry, you might expect your tasks to include:
· Identifying opportunities in target markets for your organization’s products and services
· Generating leads through cold calling prospective clients or networking at trade shows
· Developing and nurturing relationships with key customer accounts
· Keeping up with the latest industry developments, including market positioning of corporate competitors
· Assessing client needs and the company’s ability to meet those needs
· Following up with new leads and referrals generated from the sales team
· Preparing status reports on goals
· Using customer relationship management (CRM) software, such as Salesforce, to manage interactions
- OWASP Secure Code review,• Basic programing knowledge in any programming language and knowledge on secure development practices.
- OWASP TOP 10 vulnerabilities and their mitigations
- Hands on experience in Web Application Security Testing tools (SAST & DAST) and Penetration testing tools such as HP Fortify, Checkmarx, Acunetix, Nessus, Burp Suite, Metasploit., Qualys Guard, Kali Linux , etc.
- Understand/modify exploit code and find logical security flaws in applications
- Should have knowledge and experience on Network Security, Application Security, Internet Security, attack vectors.
- To carry out technical vulnerability assessments, identify potential vulnerabilities and provide recommended controls and support to mitigate them.
- 3+ years of Business Analyst experience preferably in Saas, customer experience or customer service domain.
- High attention to details and have proven ability to manage multiple, competing priorities simultaneously
- Experience with hands-on day-to-day problem solving, implementing quick and effective action plans to meet short term priorities.
- Manage a cross-functional process to translate the desired customer experience into a logically sequenced and optimized product roadmap and major product releases. Create buy-in for the product roadmap with internal and external stakeholders.
- Open to discuss the requirement with the client over a call/ in person meeting.
- Develop high quality BRD's and effectively prioritize and manage the scope of each product launch to deliver key capabilities on time and on budget.
- Coordinate with multiple stakeholders , including customer service teams, UX designers, and engineers, to share timelines and deliver the client requirement/ product features within the shared timelines.
- Daily standup with various teams to track the progress.
- To oversee the development and improvement of customer service products or platforms within an organization
- Execute on the existing roadmap and contribute towards shaping the long-term strategy for CS self-service products.
- Creating and maintaining a product roadmap that outlines the vision, goals, and timeline for the development and enhancement of customer service products.
- Effectively communicating product updates, progress, and milestones to internal stakeholders, executives, and customers, ensuring transparency and alignment throughout the organization.
POSITION:ITSM Consultant / ITSM Tech Lead
EXPERIENCE: 5-15YRS
NP :IMMEDIATE/10 DAYS
LOCATION: NOIDA
WORK FROM OFFICE
Job Description :
Demonstrates knowledge and experience in the following areas
- Service Management Office ( SMO) setup and operations
- ITIL / ISO 20000 / IT Operations process definition
- Service Integration and Management ( SIAM)
- Managed services operations – both AMS and IMS
- Incubating new services and solutions related to IT Service Management (ITSM)
You, as a Java Engineer and member of this team, would be working on our new and existing projects for our credit, payments, business services, member engagement or financial crime areas. We have a five years roadmap ahead of us with exciting new features and we’ll need you to solve interesting problems. Your fellow team members will get you up to speed in your business area and will help you develop the skills so that eventually you are the one coaching other new joiners. Joining one of our expanding agile teams, you will be required to work closely with product owners, mobile engineers, and other business members to translate requirements into well-engineered solutions.
You will ideally join our backend Community of Practices, learn from them and eventually propose your own to maintain a high quality across the backend. Career progression is as important to you as it is for us. With our expanding teams and business we will encourage you to outgrow your initial responsibilities. This role offers an exceptional opportunity to make a real difference with responsibilities across engineering practices in a rapidly expanding company!
About the Tech
Technology and our people is what makes Tide possible. We work in autonomous teams where backend, iOS, Android, web, QA, DevOps, agile coaches, data experts and product owners solve difficult problems together to get the job done. We self-organise and discuss technical challenges and set our own guidelines in the different Community of Practices.
On the backend we see Java 8 as legacy and use Java 11+ for our micro-services. We provide RESTful APIs to our colleagues in the frontend, but also use gRPC for internal service-to-service communications. Spring Boot is our work horse, but we are open to new experiments. We are cloud-native and run everything on AWS. You’ll see containers (Docker), queues (SNS+SQS) and events everywhere. The nature of our business naturally fits with relational databases, but we have also found some use cases for NoSQL.
Our frontends have done an incredible job at consuming our APIs and providing the best UX to our members. They are fully native Android and iOS apps or Angular 2+ web apps. DevOps provides vital infrastructure and operations support.
About You
We’re an international scale up, we’re busy! If fast paced environments, cross team exposure, inquisitive freedom and the ability to have a real impact on a rapidly growing scale up appeals to you, then you already have the mind of a Tidean. If you have that along with the following experience, we’d love to hear from you.
The non-negotiables:
- Good commercial experience building server-side applications and detailed knowledge of the relevant programming languages for your stack (i.e Java 8 or newer).
- Sound knowledge of a Java backend framework (e.g. Spring/Spring Boot).
- Exposure to microservices and implementing and consuming RESTful APIs.
- A mindset of delivering secure, well-tested and well-documented software.
- Experience with relational databases.
The highly desirables:
- Exposure to continuous integration, delivery and deployment.
- Some experience integrating to third parties.
- Comfortable working in agile methodologies, ideally Scrum.
- Exposure to common development tools such as IntelliJ, Git, Jira, etc.
Why Tide?
Tide is the leading provider of UK SME business accounts and one of the fastest growing FinTechs in the UK. That’s not an unfounded boast - we have over 200,000 members (what we like to call our customers, over two percent market share, and have raised over £120m in funding.
SMEs have been underserved and overlooked by traditional banks for years. In an entrepreneurial age where everyone is expected to take a shot, traditional banks have not evolved with the needs of the market. That’s where Tide comes in. With quick on-boarding, low fees and innovative features, we thrive on making data driven decisions to help SMEs save both time and money.
We’re also one of LinkedIn’s top 10 hottest UK companies to work for, winner of Best Use of Technology (Growth Finance Awards); Best Banking Provider (Contracting Awards); Innovative Product of the Year (Growth Finance Awards) and we’re listed in the Top 100 FinTech Disruptors and The Startups 100. And that’s just for 2019.
Immediate Joiner Preferred
The job is applicable only for Mumbai-based candidates.
Digital Marketing Agency Experience preferred.
I. YOUR ROLE
Driving business objectives for the agency’s clientele through Paid marketing activities.
II. YOUR RESPONSIBILITIES
- Monitoring, Auditing and Executing Campaigns on Google display/search Ads, Facebook, and Instagram ads
- Ensuring campaign performance and identifying insights to drive incremental results.
- Collaborate with the Account Manager and creative teams for campaign planning.
- Drive positive curiosity and a hunger for learning and new ideas through the team.
- Initiate and drive case study creation that can be nominated for awards, post completion of noteworthy campaigns.
- Build trust with clients’ POCs and Digital Leads.
- Ability to represent the agency in account reviews and performance meetings
- Assisting the team in pitching for new business.
- Auditing Ad accounts of prospects and identifying opportunities for performance improvement.
- Deliver volume, quality leads , TAT & cost outcomes (in accordance with quarterly OKRs) for paid user acquisition (i.e. advertising)
III. ABOUT YOU
- Professional / Academic Requirements
- 2+ years of relevant work experience in Paid media
- A Degree in Engineering, Marketing, Advertising, Communication or another relevant field
- Technical Requirements
- Expert level command over Google Ads, Facebook/Instagram ads
- Exposure to multiple verticals like eCommerce, BFSI, Realty, Travel, etc.
- Proficient at Google Analytics, Apps-flyer, Similar web, Adobe solutions, etc.
- Master of decoding trends and analytics from data
- Proficient with the MS Office Software (PowerPoint, Excel)
- Superior communication and presentation skills
- Creative & Strategic thinking
- Up-to-date on creative and market trends
CTC upto Rs 3 LPA
Experience 2 years






