
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 Requirements:
Intermediate Linux Knowledge
- Experience with shell scripting
- Familiarity with Linux commands such as grep, awk, sed
- Required
Advanced Python Scripting Knowledge
- Strong expertise in Python
- Required
Ruby
- Nice to have
Basic Knowledge of Network Protocols
- Understanding of TCP/UDP, Multicast/Unicast
- Required
Packet Captures
- Experience with tools like Wireshark, tcpdump, tshark
- Nice to have
High-Performance Messaging Libraries
- Familiarity with tools like Tibco, 29West, LBM, Aeron
- Nice to have
Key Skills Required
- 5–7 years of experience in Oracle Fusion Cloud Applications
- Strong hands-on experience in:
- BI Publisher (BIP)
- OBIEE reports
- AP Payment Templates
- Experience in minimum 2 end-to-end implementations including:
- Fusion Finance implementations
- Rollouts, upgrades, lift & shift
- Managed services projects
- Good process and table-level knowledge of Fusion Financial modules:
- GL, AP, AR, FA, Cash Management
- Intercompany, Expenses, Procurement
- Experience with Flexfields and Extensions
- Hands-on experience in Unit Testing & UAT support
- Experience in data upload/migration using FBDI / ADFDI
- Strong communication and client-handling skills
- Ability to independently conduct client workshops
Key Responsibilities
• Design and architect robust, scalable, and secure software solutions.
• Providing technical advice by evaluating new technologies and products to determine feasibility and desirability of the current business environment and to detect critical deficiencies and recommend
solutions.
• Supervising and reviewing technology diagnosis and assessment activities.
• Working with the project managers to define the scope and cost estimation.
• Collaborate closely with product managers, developers, and stakeholders to align technical solutions with business objectives.
• Provide leadership and mentorship to the development team, fostering a culture of innovation and excellence.
• Evaluate and recommend tools, technologies, and frameworks to optimize product performance and development.
• Oversee the end-to-end technical implementation of projects, ensuring high-quality deliverables within defined timelines.
• Establish the best practices for software development, deployment, and maintenance.
• Stay updated on emerging trends in software architecture and maritime technology to integrate industry best practices.
Required Skills and Qualifications
• Bachelor’s or master’s degree in computer science, Engineering, or a related field.
• Proven experience (8+ years) in software architecture and design with a focus on Python
• Strong proficiency in web-based application development and cloud computing technologies.
• Expertise in modern architecture frameworks, microservices, and RESTful API design.
• Excellent communication and interpersonal skills, with the ability to convey technical concepts to
non-technical stakeholders.
• Strong problem-solving skills and a proactive approach to addressing challenges.
Company Description
Welcome to W3era - Your Path to Digital Marketing Excellence! We are a powerhouse of digital marketing expertise, committed to helping businesses thrive online. With a decadelong web journey, we've built a global family of happy customers, endorsing our exceptional services. At W3era, we are obsessed with success. Your brand's ascent to the top page of Google and beyond is our relentless pursuit. We deliver beyond perfection, surprising clients with outstanding results. Our team is a blend of hardworking, creative, and young professionals. We hire the best and train them to become future leaders. An SEO off-page person, also known as an off-page SEO specialist, is responsible for improving a website's search engine rankings through activities that take place outside of the website itself. Their roles and responsibilities include: Link Building: An SEO off-page person, also known as an off-page SEO specialist, is responsible for improving a website's search engine rankings through activities that take place outside of the website itself. Their roles and responsibilities include: • Link Building: This involves acquiring high-quality backlinks from other websites to improve the website's authority and rankings. This can be done through outreach, content creation, and networking. • Content Promotion: The off-page SEO specialist may be responsible for promoting the website's content on social media, forums, and other online platforms to increase visibility and attract natural backlinks. • Social Media Engagement: Engaging with the website's audience on social media platforms, building relationships, and promoting content to drive traffic and improve brand visibility. • Influencer Outreach: Collaborating with influencers and industry experts to gain exposure and backlinks for the website. • Online Reputation Management: Monitoring and managing the website's online reputation, including addressing negative reviews and comments. • Local SEO: Implementing strategies to improve the website's visibility in local search results, such as optimizing for local keywords and managing local business listings. Overall, the off-page SEO specialist plays a crucial role in building the website's authority, attracting organic traffic, and improving its overall search engine performance through various off-site optimization techniques.
Dues & Responsibilies:
Gathers, Analyses, conclude projects requirements, design drawings, specificaons, etc.to prepare
BOQs, Cost Esmates
Idenfy and quanfy cost factors, such as producon me, materials, and labor expenses, etc.
Collaborate with engineers, architects, clients, and Sub-contractors
Can do Value Engineering / Alternaves Cosng
Prepare detailed reports or bids for submission to appropriate pares
wide knowledge and experience working in different construcon projects esmang labor cost, me
and construcon materials from local and internaonal markets (including MEP, Civil, Architectural
works)
Prepare BOQ (Bill of quanes) includes all project items descripons, preambles, pricing of items
Preparaon of B.O.Q template in the required format (familiar with Uniformat or Master Format)
Prepare Project specificaons in the required format.
Contract management
In-depth knowledge and experience in M.O.M (method of measurements).
Prepare the esmated project B.O.Q.
Recommend acceptance, provide advice, and recommend revisions to specificaon documents.
Represent the Specificaon Unit and parcipate on commiees related to specificaon document
development.
In-depth experience in construcon (not oil and gas, not industrial)
Reviews drawings and other project informaon to write and edit specificaons for projects and
coordinates compliance with project requirements, instuonal guidelines, technical condions,
acceptable standards, and exisng laws, rules, regulaons, and codes.
Understands the project design requirements and translates those requirements into materials,
methods, equipment, procedures, installaon, and cerficaon tesng necessary to provide the
narrave descripons which are used to in the tender documents / contract documents
Job Requirements
Skills & Qualificaons:
A Bachelor degree in Architecture or Civil Engineering (A must)
Minimum 5-7 years of experience in the same posion (as Quanty surveyor, Esmaon Engineer,
Specifier)
Ability to use Revit, AutoCAD, MS Office (Excel).
Very good in English (able to write technical specificaons/ and BOQ in English)
Domain: Telecom
Location: All Metros
Skills: BRM or Amdocs Portal Infranet
Must have: 3-4 yrs of experience in BRM Application
Role: Content Writer
Job Summary :
We are seeking a talented and creative Content Writer to join our team. As a Content Writer, you will be responsible for creating high-quality, engaging, and informative content for our website, blog, social media channels, and other marketing materials.
Responsibilities:
- Develop and write compelling content that is in line with our brand and target audience.
- Research and analyze industry trends, competitors, and keywords to optimize content for search engines.
- Work collaboratively with cross-functional teams to develop content strategies and plans.
- Produce high-quality written content for various channels including blogs, social media, email campaigns, and other marketing materials.
- Ensure all content is grammatically correct, error-free, and consistent with our brand style guide.
- Edit and proofread content written by other team members, ensuring accuracy and consistency.
- Stay up-to-date with industry trends and best practices in content writing and apply them to improve our content strategy.
Qualifications:
- Bachelor's degree in English, Communications, Marketing, or related field.
- Minimum of 2 years of experience in SaaS based content writing for digital media.
- Exceptional writing, editing, and proofreading skills with a keen attention to detail.
- Strong research and analytical skills.
- Ability to work independently, manage multiple projects simultaneously, and meet deadlines.
- Proficiency in SEO and content marketing best practices.
- Excellent communication and interpersonal skills.
- Experience with CMS platforms, such as WordPress, and social media management tools.
If you are a creative thinker who is passionate about writing engaging and informative content, we would love to hear from you.
• Working alongside managers and clients to agree their IT requirements.
• Identifying the hardware and software requirements in the organization.
• Explaining plans agreed with managers todesigners and developers
• Organising the workloads of the technical teams in the most efficient way
• Monitoring progress of the project and ensuring it's completed on time
• Reporting progress back to managers and clients
• Carrying out some of the technical work, depending on the level of
seniority
• Checking IT systems work as intended
• Advising and suggesting future IT developments to managers or clients.
Soft Skills Required:
• Anticipating and solving problems - a key part of the role is seeing where problems might arise during an IT project and finding solutions before, they go 'live' and disrupt the organisation.
• Communication skills - Need to be adept at listening to, understanding and explaining concepts to both managerial and technical colleagues.
• Dealing with pressure - technical architects have a lot of responsibility and he/she have to be able to deliver results in high-pressure circumstances.
• Prioritisation and time management - IT projects often have
tight deadlines and missing them can have significant consequences for the organisation or client.
• Relationship-building - it's important to develop trust and understanding between the technical teams and managers or clients to ensure a project runs smoothly
You should have
- Degree in Computer Science or relevant field
- Strong knowledge and understanding of JavaScript and TypeScript
- Knowledge of multiple frontend languages and frameworks including HTML, CSS, SCSS, JavaScript and React.
- Knowledge of backend languages and frameworks primarily Node.js
- Familiarity with SQL databases (e.g. PostgreSQL)
- Knowledge of Docker, and Kubernetes would be a plus.
- Leadership skills for guiding and mentoring teammates.
- Understanding of CI/CD Concepts
- Awareness of key concepts in DevOps and Agile principles
Perks
- Flexible working hours - employee tracking is never a thing
- A fun and close-knit agile team.
- Open office layout that promotes collaboration, conversation, and camaraderie – the result-oriented team.
- Recreational activities to keep you away from the screen and live, laugh, and enjoy with the team.
- Manage sales operations in assigned district to achieve revenue goals.
- Supervise sales team members; the BSMs, on daily basis and provide guidance whenever needed.
- Identify skill gaps and conduct trainings to sales team.
- Work with team to implement new sales techniques to obtain profits.
- Assist in employee recruitment, promotion, retention and termination activities.
- Conduct employee performance evaluation and provide feedback for improvements.
- Contact potential customers and identify new business opportunities.
- Stay abreast with customer needs, market trends and competitors.
- Maintain clear and complete sales reports for management review.
- Build strong relationships with customers for business growth.
- Analyze sales performances and recommend improvements.
- Ensure that sales team follows company policies and procedures at all times.
- Develop promotional programs to increase sales and revenue.
- Plan and coordinate sales activities for assigned projects.










