
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.

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Job Title: Business Development Associate (Soft Sales)
Experience: Freshers to 3 years
Location: Gurgaon
Employment Type: Full Time, Permanent
Education: Undergraduate / Graduate
Working Days: 6 days a week (Rotational week off between Monday to Friday)
Job Description
Growing Stars Consulting Pvt. Ltd. is hiring Business Development Associates. This role focuses on converting users with free subscriptions into paid subscribers — no cold calling involved. We are looking for energetic, driven, and customer-focused individuals who can deliver exceptional results through consultative selling and effective communication.
Key Responsibilities
- Engage with new and existing users through outbound calls to explain products, pricing, and subscription options.
- Convert free plan users into paid subscribers through effective persuasion and product knowledge.
- Maintain follow-ups to ensure successful conversions and address any user queries.
- Handle customer concerns regarding product understanding and usage.
- Follow approved communication scripts and workflows during interactions.
- Ensure excellent customer experience and consistently achieve sales targets.
Required Skills
- Excellent verbal and written communication skills.
- Confident, persuasive, and customer-centric communication style.
- Strong follow-up, negotiation, and closing abilities.
- Ability to perform under pressure and meet deadlines.
- Basic understanding of the stock market or financial products (preferred).
Why Join Us
- Fixed salary with attractive monthly incentives (up to ₹25,000).
- Supportive and youthful work environment.
- Ample growth opportunities based on performance.
• You have a strong technical background, with 5+ years of experience with software
engineering
• You have managed engineering teams that have a strong record of shipping products
• You have successfully recruited and mentored engineers
• Prefer simple solutions and designs over complex ones, and have a good intuition for what is lasting and scalable
Proficiency in Javascript, HTML5/CSS3, SQL
• Experience with frameworks like React, ReactNative, Node.js, GraphQL
• Experience with databases technologies like PostgreSQL, ElasticSearch, Redis
• Experience with dev ops - AWS, CI/CD
• Understanding of security principles and possible attacks
Looking for a Web Developer with good hands-on Experience in Laravel.
- Candidates have good Team Interactions.
Experience : 1 to 2 years
Responsibilities :
- Strong coding knowledge in Laravel Framework.
- Responsible for handling projects independently as well as collaboratively.
- Should be capable of handling multiple PHP projects.
- Analyse scope of work and time frame accordingly.
- Should have good analytical and problem solving skills.
- Ability to motivate teammates.
- Mentor and lead a team of junior developers.
- Provide technical guidance to development team members’
Key Skills:
Php, Laravel, MySQL, JavaScript, jQuery, HTML, CSS,DB
Added advantage to have : Code igniter, Angular
Job Types: Full-time, Walk-In preferred:immediate joinee
We are looking for a Data Analyst that oversees organisational data analytics. This will require you to design and help implement the data analytics platform that will keep the organisation running. The team will be the go-to for all data needs for the app and we are looking for a self-starter who is hands on and yet able to abstract problems and anticipate data requirements.
This person should be very strong technical data analyst who can design and implement data systems on his own. Along with him, he also needs to be proficient in business reporting and should have keen interest in provided data needed for business.
Tools familiarity: SQL, Python, Mix panel, Metabase, Google Analytics, Clever Tap, App Analytics
Responsibilities
- Processes and frameworks for metrics, analytics, experimentation and user insights, lead the data analytics team
- Metrics alignment across teams to make them actionable and promote accountability
- Data based frameworks for assessing and strengthening Product Market Fit
- Identify viable growth strategies through data and experimentation
- Experimentation for product optimisation and understanding user behaviour
- Structured approach towards deriving user insights, answer questions using data
- This person needs to closely work with Technical and Business teams to get this implemented.
Skills
- 4 to 6 years at a relevant role in data analytics in a Product Oriented company
- Highly organised, technically sound & good at communication
- Ability to handle & build for cross functional data requirements / interactions with teams
- Great with Python, SQL
- Can build, mentor a team
- Knowledge of key business metrics like cohort, engagement cohort, LTV, ROAS, ROE
Eligibility
BTech or MTech in Computer Science/Engineering from a Tier1, Tier2 colleges
Good knowledge on Data Analytics, Data Visualization tools. A formal certification would be added advantage.
We are more interested in what you CAN DO than your location, education, or experience levels.
Send us your code samples / GitHub profile / published articles if applicable.
Front End developers
- Angular.JS experience
- MongoDB query and aggregation experience (not a database administrator)
- GraphQL experience
- Node.JS and Typescript experience
- CSS and SCSS experience
- CI/CD experience with GitHub actions
Backend Developers:
- Software development experience, one of Python (preferred) or Node.JS/Typescript)
- Experience with Messaging architectures - RabbitMQ (preference) or Kafka
- Experience with docker-containers
- Experience with Apache NiFi (valued but not necessary)
- Experience with designing or implementing horizontally scalable solutions
- Experience working with RESTful APIs
- CI/CD experience with GitHub actions
- Experience with Azure cloud
- Implement and constantly improve Processes and System to reduce inventory, minimize cost and maximize inventory utilization.
- Responsible for entire inventory movement cycle immediately after the PO is raised at HO.
- Tracking ETD & ETA of all Import Consignments as well as Internal Inventory movement within India Operations.
- Coordinate with Buying Team and Location Teams on Periodic Sales & Inventory Requirement Forecast – at least for a period of 3 months / 1 Qrtr in advance.
- analyze Inventory requirement at location as per Promotion Calendar in coordination with respective Buyer and Track / Monitor Efficacy of each Promotion.
- Interacts with each Location Team and ensure steady flow of valid and valuable feedback on sales and inventory.
- Execute & Maintain Category & Merchandising Planogram as prescribed by respective Buyer.
- Responsible for Setting up and Implementation of Auto Replenishment Process at all locations in coordination with Location team and IS team.
- Formulate, Generate and Share Inventory related MIS reports with HO Functions on periodic basis. For example – Self-life Expiry Report, Stock Availability Report, Flagging all potential alert situation
Job Description:
- Understand business model and create project roadmap. Break down the big requirements into smaller chunks and prioritize as per the business outcome
- Actively work with product and technology team in a seamless manner
- Coordinate with the User Experience team to design the final intuitive UI and define the overall tech solution along with the IT team
- Leading project planning sessions
- Managing project progress and adapt work as required
- Ensuring projects meet deadlines
- Managing relationships with clients and stakeholders
- Conducting project review and creating detailed reports for executive staff
- Optimizing and improving processes and the overall approach where necessary
- Create User Journey as per Business expectations along with well-defined user cases, wire frames and workflow diagram
- Own the overall product and feature development projects
- Analyse user data & develop innovative growth hacks to drive user growth and engagement via all channels
Requirement / Desired Skills:
- Proven ability to lead, collaborate with cross-functional teams and manage interactions across Project life Cycle
- Hands on experience in creating user stories, user journey wire frames and workflow and defining acceptance criteria and success matrix
- Strong product design skills from both a technical API integration and user interface design perspective
- Excellent Project Management skills and experience working in Agile fashion
- Excellent communication skills to handle both executive-level discussions as well as functional/technical deep dives
- Demonstrate analytical and quantitative skills over performance matrices such as engagement, retention, conversion funnel, etc.
- Experience in a fin-tech domain is a plus.
Job description :
Functional a. Build client relationship
- Manage Development and Delivery of technical solutions
- Manage ways to work across departments including outsource partner
- Deep dive into Technical integration, content ingestion & reporting of viewership & revenue numbers et.al.
- Support and maintain technology development strategy
- Aligning Solutions with architecture
- Develop coding standards
- Requirement understanding
- Provide technical leadership and innovation across all aspects of technology development including Engineering, Bas, QAs, UI/UX etc.
- Manage delivery teams which includes recruit hire, train, supervise, coach and mentor
- Project Management Skills
- Manage Deadlines
- Manage Deliveries
- Manage Customers
- Multitasking
- Reporting – Customers / ELT
- Assist in talent acquisition
- Applying Agile principles in delivery
- Upto date with latest technology and innovation
- Good communicator
- Good understanding of CDN
- Technical Documentation
- Coding Best Practices a. Guidelines for Coding Best Practices
- Cloud Best Practices
- Tech. Stack Selection
- Code Review
- Regression, Functional and Automation QA
- Caching technologies
- Tech. Approval & Sign-Off
- Site / App Performance a. Load & Performance testing
- Automation testing
- Code Coverage
- Code walk-thru
- System Upgrade
- Effort Estimation
- R&D
- Technical Evaluation a. RFP technical evaluation
- Deployment
- Integration
- Assist in resolving Technical Problems
- Map Security & Compliance
- Support Project Management
- Support DevOps
- Conducting Technical
- Ability to code and implement front-end web applications and backend processing systems.
- Research, evaluate, and prototype new methodologies, technologies, Prepare proofs-of-concept.
- Convert business requirements into technical documentation using UML diagrams.
- Accountable for peer review, and quality using various design principles and patterns.
- Responsible for team members learning.
- Enforce to follow Secure Coding guidelines.
- Provide clear communication and set expectations to team members.
- Assist Project Manager in defining and refining project scope and work.
- Foreseeing the project risk and define mitigation plan and keep the manager updated.
Skills Required:
- Multi-tier Web Services / RESTful APIs
- C++, Java, C#, .Net
- Web API Frameworks (spring, ASP .NET Core, ExpressJS, etc.)
- Frontend Javascript Frameworks (Angular, React, etc.)
- Understanding and usage of the unit testing framework. Like NUnit, x unit, and JUnit
- Knowledge of SQL and writing queries
- Agile and DevOps methodologies
- Effective communication, Teamwork, Team Handling, Adaptability, Flexibility, Leadership, Problem-solving, Work Ethics, and Creativity.
- Well-versed with the version control systems. Like git, gitlab, bitbucket etc.
- Good to have knowledge of Microservices architecture.
Education Required:
- Candidates with Bachelor's Degree in Computer Science (or equivalent) are preferred.
- 2+ years of experience participating in the delivery of technology services.
- A proven ability to learn new applications & innovate in technology
- Strong Experience in technologies like Node, Webservices and Microservices
- Experience with cloud components and services and containerization technologies is desirable
- Exposure to ReactJS desirable
- Experience working with multiple types of datastores: Mongo DB, SQL
- Experience in integrating, designing and developing solutions is desirable
- Experience with CI/CD and TDD is desirable
- Frameworks - Express , Hapi , feathers
- Strong knowledge in Javascript










