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.
Shubham Vishwakarma
Full Stack Developer - Averlon
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- Knowledge of PHP web frameworks including Yii, Laravel, or CodeIgniter.
- Knowledge of front-end technologies including CSS3 JavaScript, and HTML5
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- Previous experience creating scalable applications.
- Proficient with code versioning tools including Git, Mercurial, CVS, and SVN.
- Familiarity with SQL/NoSQL databases.
- Ability to project manage.
- Good problem-solving skills.
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- Bachelor's degree in Computer Science, Software Engineering, or a related field (or equivalent work experience).
- Proven experience as a PHP Developer with a portfolio showcasing PHP development projects.
- Proficiency in PHP programming and experience with one or more PHP frameworks.
- Strong understanding of web development principles, HTML, CSS, and JavaScript.
- Familiarity with front-end libraries and frameworks (React, Angular, Vue. js) is a plus.
- Knowledge of database management systems (e. g. , MySQL) and SQL queries.
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• Analyze and understand business requirements and translate them into efficient, scalable business logic.
• Develop, test, and maintain software that meets new requirements and integrates well with existing systems.
• Troubleshoot and debug software issues and provide solutions.
• Collaborate with cross-functional teams to deliver high-quality products, including product managers, designers, and developers.
• Write clean, maintainable, and efficient code.
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• Strong problem-solving skills with the ability to analyze complex issues and provide solutions.
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JavascriptJavaNodeJS (Node.js)We have openings for Fullstack / Backend / Frontend Developers who can write reliable, scalable, testable and maintainable code.
At Everest, we innovate at the intersection of design and engineering to produce outstanding products. The work we do is meaningful and challenging - which makes it interesting. Imagine each line of your code, making the world a better place. We work on five workdays weeks, and overtime is a rarity. If clean architecture, TDD, DDD, DevOps, Microservices, Micro-frontends, scalable systems resonate with you, please apply.
To see the quality of our code, you can checkout some of our open source projects: https://github.com/everest-engineering
If you want to know more about our culture:
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Some videos that can help:
https://www.youtube.com/watch?v=A7y9RpqXAdA;
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- Passion to own and create amazing product.
- Should be able to clearly understand the customer's problem.
- Should be a collaborative problem solver.
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- Should be a good problem solver.
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- Should commit to inclusion, equity & diversity.
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Familiarity with Agile methodologies and clean code.
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Design and/or contribute to client-side and server-side architecture.
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Well versed with fundamentals of REST.
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Build the front-end of applications through appealing visual design.
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Knowledge of one or more front-end languages and libraries (e.g. HTML / CSS, JavaScript, XML, jQuery, Typescript) JavaScript frameworks (e.g. Angular, React, Redux, Vue.js)
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Knowledge of one or more back-end languages (e.g. C#, Java, Python, Go, Node.js and frameworks like SpringBoot, .NET Core)
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Well versed with fundamentals of database design.
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Familiarity with databases - RDBMS like MySQL, Postgres & NoSQL like MongoDB, DynamoDB.
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Well versed with one or more cloud platforms like - AWS, Azure, GCP.
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Familiar with Infrastructure as Code - CloudFormation & Terraform & deployment tools like Docker, Kubernetes.
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Familiarity with CI/CD tools like Jenkins, CircleCI, Github Actions..
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Unit testing tools like Junit, Mockito, Chai, Mocha, Jest
CITRIOT – Job Description for Tech Lead
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- Analyzing existing operations and being a mentor towards the interns. Being empathetic towards the employees and resonating well with their level of knowledge and skills; while at the same time encouraging them to achieve more.
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Our client is a producer of superior quality products. Our client is the largest single location manufacturing facility in India with certifications of ISO 9001, 14001, OHSAS 18001 along with other product specific certifications.
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Mobile programming LLC is a US-based digital transformation company. We help enterprises transform ideas into innovative and intelligent solutions, governing the Internet of Things, Digital Commerce, Business Intelligence Analytics, and Cloud Programming.
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Evaluate ways to improve customer experience and contribute to development of solutions.
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Share feature requests and effective workarounds with team members.
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Strong team building, time management, and organizational skills.
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Problem solving, creative, organized and detail-oriented.
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Proficient in using Google Docs, Slides and Sheets.
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See what our past interns have to say about their experience -https://www.youtube.com/watch?v=1G3a-fkMAtU"> Interns @Springworks
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NOW is the time to join a growing company with strong roots, where you can take on your next challenge.
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We are looking for a Customer Support Associate with a genuine passion for all things tech to join our expert and superfriendly Windows and Virtualisation team.
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Bachelors Degree
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independent ranking. For the seventh straight year, Commvault has been named a leader. And this year we're furthest on the
"completeness of vision" and highest on the "ability to execute."
Commvault offers its products through a broad array of distribution partners globally, while building upon its strong portfolio of strategic
partnerships with leading technology companies including Microsoft, Amazon Web Services, Cisco, Oracle, SAP, Nutanix, Pure, HP,
Hitachi, NetApp and many others. Commvault's global headquarters is located in Tinton Falls NJ, with additional offices that support
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Follow CutshortShubham Vishwakarma
Full Stack Developer - Averlon