Customer Service Representative

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.

Job Title: Engineering Lead

Role Overview:

We are looking for an Engineering Lead to take end-to-end ownership of technical delivery, design, architecture, and quality for our multi-customer SaaS product. You will lead and mentor the engineering team, drive scalable design and high-quality delivery, manage releases across customer environments, and ensure the stability and performance of the product in production.

Key Responsibilities:

·        Delivery & Release Management: Plan and deliver product features and customer-specific releases on time with high quality, ensuring operational readiness and stability across environments.

·        Technical Design & Architecture: Lead technical design and high-scale architecture for new and existing modules, ensuring scalability, performance, and maintainability.

·        Team Management: Mentor and guide engineers, ensure clarity in priorities, unblock challenges, and foster a culture of ownership and quality within the team.

·        Requirement to Delivery: Work with product and customer teams to understand requirements, translate them into designs and implementation plans, and track them through to delivery.

·        Product Quality: Establish and maintain engineering best practices, code reviews, automated testing, and CI/CD pipelines to ensure high product quality and reliability.

·        Troubleshooting & Support: Lead the team in debugging complex issues in development and production, ensuring minimal downtime and strong customer satisfaction.

·        Hands-on Contribution: Actively contribute technically where needed, providing architectural guidance and coding support aligned with the team’s stack.

Requirements:

·        Experience: 8–12 years in software engineering with at least 3+ years in a lead role.

·        Proven experience in designing scalable, high-performance architectures and technical solutions.

·        Experience delivering multi-customer SaaS product releases, including phased and customer-specific configurations.

·        Strong track record of ensuring product quality and stability through structured processes, testing, and monitoring.

·        Ability to troubleshoot complex issues and guide teams towards resolution.

·        Experience in mentoring and managing engineering teams to drive aligned delivery and high performance.

·        Hands-on experience with your relevant tech stack (e.g., Python, Django, Angular, AWS, Docker, Redis, RabbitMQ).

·        Excellent communication and collaboration skills with Product, QA, and Customer Support teams.

·        Bachelor’s or Master’s degree in Engineering or related field.

We are looking for a Node.js Developer to join our team.

In this role, you will be entrusted with developing JavaScript applications using Node.js.

Apply now for the role of a Node.js Developer at CodeBuddy that is opening doors for skilled, energetic developers looking for Mern Stack Developer Jobs.

If you can help us design and create multiple layers of applications while working cross-functionally across different infrastructures. You would fit perfectly if you love problem-solving, design, and creating quality offerings.

Technical Competency :

• Professional experience in Javascript Stack / Framework
• Development experience in Node.js
• Experience with backend using REST API.
• Proficiency in React.js concepts is a plus but not mandatory
• Experience with Object-Oriented Programming
• Ability to multitask and work in a fast-paced environment.
• Ability to document their code.
• Understanding accessibility and security compliance.
• To translate storyboards and various use cases to create high-performing apps
• Write, execute, and maintain clean, reusable, and scalable code
• Integrate our various data storage solutions
• Ensure the responsiveness and boost the performance of our apps
• Find and address the various bottlenecks and bug-fixes
• Help in code automatization
• Proficient use of GIT.

Interpersonal skills :

• Must be comfortable working in a team and independently when required.
• Must be disciplined, proactive, and self-motivated
• Needs to have problem-solving and analytical skills
• Good to have previous experience of direct client interaction for project briefs and updates.

What You Need To Apply:

• Previous work experience as a Node.js developer for 1 year at least.
• Strong experience with Javascript
• Self-motivated with the ability to work independently or jointly in a self-directed way.
• Demonstrated successful development of web or mobile-based applications
• Proven analytical and problem-solving capabilities
• Keen attention to detail
• Strong work ethic and desire to build industry-leading products
• Proactive instead of reactive
• Looking for ways to improve self and projects.

If you have it all in you, we are happy to have you with us!!!

Perks and Benefits:

We at Codebuddy believe our team is our biggest strength and we believe in paying our team members fair remuneration because we respect everyone’s effort.

• Review in every 9-12 months
• Opportunity to learn new technologies at the company's expense
• On-time salary (7th of every month)
• Fair pay policy
• Easy leave structure
• Performance awards
• Festival gifts
• Annual picnic
• Monthly dinner parties

We will be even happier if you have:

• Proficiency in Nest.js or Express.js,
• Being an open-source contributor,
• Ability to discover functional and non-functional requirements of an app, based on various levels of inputs from clients,
• Ability to transform customer ideas to business model and scope understandable by technical experts,
• Having excellent stakeholder management and client-facing skills.

Joining Codebuddy Means:

• Working in a comfortable and stimulating environment that boosts creativity,
• Being involved in challenging projects,
• Taking part and initiating knowledge-sharing initiatives,
• Working with clients from around the world, 
• Having the opportunity to bounce your ideas off our experienced team,
• Enjoying flextime and flexplace: adjust your daily schedule to your individual needs!
• We decide together and value equality: there is no strong hierarchy in our teams, and every opinion is more than welcome,
• Processes based on Scrum and Agile methodologies,
• Dev-friendly processes such as Code Review,
• The constant development of your hard and soft skills 
• Having a smooth start: your leader and a buddy will support you and mentor you.

What will happen next?

• Fill out the form
• Give us some time to review your application
• Meet us for an interview
• Complete a recruitment task to see how we work
• Join our team!

1. Work closely with our customers to understand their needs and build high-quality user interfaces.
2. Build, test and ship dashboards using frameworks like React, ES6, and Webpack.
3. Work with engineers and senior leadership to turn our vision into a tangible roadmap every quarter.
4. Add positive energy in every meeting or interaction with your coworkers.

Minimum Qualifications

1. B.E/B.Tech/M.Tech in CS/CE/IT
2. Must-have requirements for candidates include proficiency in the following areas/aspects:
3. Git version control system
4. Ability to collaborate and communicate complex technical concepts.
5. Experience working with charting libraries (i.e. ChartJS, Chartist, Grafana).
6. Experience with ReactJS 
7. Experience building highly scalable, high performance, responsive web applications
8. Experience in fundamental front end web technologies including but not limited to HTML, CSS, JavaScript - Minimum work experience 2 years

Languages/Frameworks

Javascript, React, HTML/CSS

Preferred Qualifications

1. Experience building, adopting and maintaining RESTful APIs.
2. A passion for all things UI and Front End
3. Ability to work in a fast-paced and agile development environment
4. Strong customer focus and obsession with quality
5. Experience working with UI for data-heavy products. 

• Creating user-centric designs by understanding business requirements and user feedback 
• Creating user flows, wireframes and prototypes with tools such as Figma to showcase features 
• Collaborating with developers in seeing designs through to implementation 
• Incorporating customer feedback into design in order to enhance user experience 
• And lastly, showcasing UX and visual design work with strong design sense and articulated story telling 

Key Requirements: 

• 2+ years of experience as a UI/UX Designer  
• Portfolio of design projects 
• Understanding of design software like Figma, Adobe XD, Adobe Illustrator and Photoshop 
• UX research skills - interviewing, observing, benchmarking, conducting surveys and understanding how to synthesize data to define actionable insights 
• Strong communication skills to collaborate with various stakeholders 

• Work with the client and internal web development team to design new products or enhancements.
• Take part in system development including analysis, coding, and testing in an agile product development team.
• To develop business requirements into cost-effective and elegant technical solutions.
• Perform peer design and code reviews with other software engineers.
• Help to evaluate requirements and solutions from a technical perspective and implement custom built solutions. 
• Perform estimates of user stories that are to be implemented to help with product engineering planning.
• Work with backend development members to co-create APIs for frontend consumption
• Mentor less experienced team members on proper standards/techniques to improve their development practices and efficiency.
• Write scripts to perform unit testing, functional testing and assist with user acceptance testing support.
• Optimize UI for efficiency and maintainability
• Perform non-production and production deployment processes as scheduled.
• Provide on-going support to the application.

1) Core PHP: Yes/No(Mandatory)

2) JavaScript and JQuery: Yes/No(Mandatory)

3) Ajax: Yes/No

4) Curl: Yes/No

Github will be an added advantage

MYSQL: 

Stored Procedures: Yes/No

Indexes: Added advantage

Triggers: Added advantage