Senior ServiceNow Consultant

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 : Software Engineer (.NET, Azure)

Location : Remote

Employment Type : [Full-time/Contract]

Experience Level : 3+ Years

Job Summary :

We are looking for a skilled Software Engineer (.NET, Azure) to develop high-quality, secure, and scalable software solutions. You will collaborate with product owners, security specialists, and engineers to deliver robust applications.

Responsibilities :

• Develop and maintain server-side software using .NET (C#), SQL, and Azure.
• Build and secure RESTful APIs.
• Deploy and manage applications on Azure.
• Ensure version control using Azure DevOps/Git.
• Write clean, maintainable, and scalable code.
• Debug and optimize application performance.

Qualifications :

• 3+ Years of server-side development experience.
• Strong proficiency in .NET, SQL, and Azure.
• Experience with RESTful APIs and DevOps/Git.
• Ability to work collaboratively and independently.
• Familiarity with Scrum methodologies.

• Building instranal dashboards to measure execution success of programs
• Identifying and build automated solutions for manual processes using data insights
• Supervising efficient working of all phases of product development.
• Administering the lifecycle of products from conceptualization to implementation, analyzing all business requirements and translating it into production
• Working closely with design, operations, engineering and testing teams in an agile environment to launch products with new features. 
• Determine the product requirements through user engagement, translate requirements to detailed, crisp business requirements and user stories that can be used to create product specifications and architecture. 
• To drive strategic projects aimed at improving the adoption of products/ services or their individual features 
• Driving operational efficiency by continually refining operational processes and influencing Product/engineering teams to enable automation and scale
• Providing directions to the team on technical, deployment procedures, operational process & communication areas.
• Analyzing reports and following up process and results, and monitoring meetings to identify and suggest product improvements and trends
• Managing different teams and complex business processes and working across internal and external stakeholders
• Suggest product enhancements to improve user experience
• Perform quality assurance controls on products
• Prioritize the implementation of new features and set specific timelines
• Create support and training documents for internal and external users

We at BitClass are looking for a Sr Product Manager to build the product management function at BitClass and be responsible for end to end product delivery.
We are looking for someone who has a few solid years of experience in product management across B2C companies.

Looking for people who are extremely good with thinking product specs, getting things live in quick time without compromising on the value. Looking for people with extremely strong logical reasoning, designing workflows.

This is as Entrepreneurial as a role can get at a startup and we are only looking for people who believe in what we are trying to do, are supremely vested in what we are building at BitClass and have a very very high sense of ownership.

What we offer in return is a chance to build something magical, generation defining, global product right from the very heart of Namma Bengaluru.
Can't wait to speak with you !

Requirements and Qualifications

• Bachelor’s or master degree in engineering
• 7+ years of work experience, 1+ years of experience as a lead
• Proficient understanding of HTML, CSS, and Javascript
• Proficient understanding of ReactJs or similar library
• Good understanding of responsive web development
• Good understanding of SEO and analytics
• Ability to break the business problem into smaller features
• Ability to access the technical feasibility of UI/UX designs
• Build reusable code and libraries for future use
• Optimize application for maximum speed and scalability
• Proficient understanding of cross-browser compatibility

• Develop and manage the outreach strategy across various segments of corporate users i.e., MNCs, start-ups, investors. Develop targeted value propositions for various segments of corporate users

• Conduct regular analysis of platform usage by companies to determine key issues / insights and suggest actions. Weekly follow-ups with key clients and developing client relationships 

• Independently, pitch the concept, manage follow-up, and ensure leads’ questions are answered

• Support design of key strategic initiatives through analytics and primary research and curation of the company side of the platform

• Envision and execute strategic partnerships e.g., industry associations, universities

• Managing own and team’s BD pipeline - tracking communications, success rates, etc.

• Refine the company outreach strategy jointly with the CEO and Marketing teams based on data on skills, usage patterns, success rates for different types of roles and organisations