Senior Sales Executive

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.

Candidate must have experience 5+ years in automation

• At least two projects experience in automating mobile applications on mobile platforms (Android and iOS)
• Proven track record in integrating end to end process of mobile automation deployment solutions with CI/CD pipeline and running on emulators and physical devices
• Experience in creating branches and workflows using Git
• Experience in Appium, testng, cucumber, selenium, page factory, maven
• Experience with tools & applications such as JIRA, Confluence, BitBucket, Git
• Designs, develops, maintains, and troubleshoots automated suites of tests
• Work with developers to get bugs reproduced and tested
• Very good in java OOPs Concepts
• Good analytical and communication skills
• Strong Automation Scripting experience

Key Responsibilities 

• Responsible for managing end to end HR processes
• Design & implement recruiting strategies for each Business Unit by understanding the manpower requirements
• Lead and execute Recruitments for campus, Lateral, focusing on direct sourcing majorly
• Plan and execute the Talent Management process inclusive of performance appraisals, Career Development and advancement
• Candidates will be responsible to implement new HR programs and activities
• Plan & execute the employee engagement activities
• Solely responsible for maintaining the payroll & attendance system.
• Responsible for comp & ben, HR policies, other generalist activities or any ad hoc responsibilities.

Ideal candidate should have: 

• Should have 3 Years of experience in HR generalist responsibilities with focus on Recruitment and Performance Management.
• Proficient in Excel, Powerpoint with ability to manage MIS and reporting 
• Multitasker and able to manage any ad hoc tasks
• Desire to learn and develop.
• Strong organization skills - ability to meet deadlines, prioritize assignments, etc
• Capable of handling high pressure situations & excellent stakeholder management capabilities

Key Responsibility Areas:

Operate a hands-on role involving penetration testing and vulnerability assessment activities of complex Web applications, operating systems, wired and wireless networks, and mobile applications/devices Delivering targeted and intelligence led security penetration testing through a robust testing methodology and process Craft and develop scripts, frameworks, tools, and the methods required for facilitating and executing sophisticated charges, emulating malicious actor behavior sought at avoiding detection Conduct security assessments on a wide variety of technologies and implementations Develop and maintain security testing plans Maintain and evolve a mature set of security penetration testing and internal Red Team processes covering all areas of technology Automate penetration and other security testing on networks, systems and applications Develop meaningful metrics to reflect the true posture of the environment allowing the organization to make educated decisions based on risk Produce actionable, threat-based, reports on security testing results Act as a source of direction, training, and guidance for less experienced staff Consult with application developers, systems administrators, and management to demonstrate security testing results, explain the threat presented by the results, and consult on remediation Communicate security issues to a wide variety of internal and external “customers” to include technical teams, executives, risk groups, vendors and regulators Foster and maintain relationships with key stakeholders and business partners

Required Skills:

2 to 6 years of experience in information security with web application and network penetration testing experience Fluent in common cyber security domains such as cloud security, access control, encryption, identify management, security operations, application security, penetration tests, endpoint security, vulnerability management, threat intelligence Strong understanding of OWASP top 10.

Experience or knowledge of IT security risk assessments and gap analysis In-depth knowledge of application development processes and at least one programing or scripting language (e.g., Java, Scala, C#, Ruby, Perl, Python, PowerShell) Hands on experience with testing frameworks such as the PTES and OWASP Experience of functional testing, UI/UX testing and manual testing, Load, Performance testing across multiple browsers and devices Hands-on experience in designing and writing test automation scripts using test automation frameworks and knowledge on API Testing Applicable knowledge of Windows client/server, Unix/Linux systems, Mac OS X, VMware/Xen, and cloud technologies such as AWS, Azure, or Google Cloud

Qualification: Masters/Bachelor’s Degree

Key Job Purpose: Responsible for demand acquisition from all the channels in a specific zone

Key Tasks/Responsibilities:
1. Discovery of small medium enterprises/ traders within the region and building supply pipeline for all operating routes
2. Provide requisite support to the team in negotiation & closure
3. Conduct regular outreach through calls/ in - person meetings with clients and team
4. Achieve monthly targets
5. Build effective teams and manage productivity of team members to deliver the results
6. Engagement of customers during free trial

Incentive- Profit sharing on monthly sales achieved.