State Head - (Business Development)

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.

Key responsibilities

• Develop and execute sales strategies to achieve sales targets and revenue goals.
• Identify and target potential clients in the assigned territory through market research, networking, and prospecting.
• Build and maintain strong relationships with existing clients, providing exceptional customer service and addressing their advertising needs.
• Conduct presentations and sales pitches to potential clients, effectively communicating the benefits and features of our transit media advertising solutions.
• Prepare and present sales proposals and contracts, negotiating terms and pricing to secure new business.
• Collaborate with the creative team to develop customized advertising solutions that meet the specific requirements of clients.
• Monitor market trends, competitor activities, and industry developments to identify new business opportunities.
• Meet or exceed sales targets and contribute to the overall growth and success of the company.
• Prepare regular sales reports, providing updates on sales activities, revenue forecasts, and client feedback.
• Stay up-to-date with industry trends and developments in transit media advertising, continuously enhancing product knowledge and sales techniques.

Key skills and experience required

• Bachelor's degree in Marketing, Business Administration, or a related field.
• Minimum of 1 years of successful sales experience in the advertising industry, preferably in transit media advertising, Digital Media Sales or related fields.
• Proven track record of meeting or exceeding sales targets.
• Strong communication and presentation skills, with the ability to articulate the value proposition of transit media advertising to clients.
• Excellent negotiation and closing skills, with the ability to create win-win solutions.
• Self-motivated and target-driven, with a proactive approach to sales.
• Ability to build and maintain strong relationships with clients and internal stakeholders.
• Proficient in using CRM software and sales analytics tools.
• Familiarity with the local advertising market and a strong network of potential clients is highly desirable.

Roles & Responsibilities

• You will be a key member in building modern web application platforms.
• Building user interfaces for management products
• Creating wireframes, prototypes based on the requirements.
• Building api for UI backend.
• Provide assistance in the up-gradation and maintenance of web applications.

Job Requirements

• 3 to 5 years of web development experience is required.
• Hands-on experience with api and microservice development.
• Proficiency with fundamental front-end languages such as JavaScript, HTML, CSS.
• Proficiency with JavaScript frameworks such as ReactJs.
• Proficiency with server-side languages such as NodeJs, Java, GoLang, etc.
• Exposure to wireframing and prototyping.
• Familiarity with database technology such as MongoDB.
• Good to have:
  1. Experience in UX design.
  2. Working experience on Linux environments.
  3. Working experience on Docker and Kubernetes.
  4. Working experience in microservices.
  5. Knowledge of the networking domain.

We are seeking a skilled Data Scientist with min 3 years of experience to join our team in Gurugram. This role will also require travelling within India . The ideal candidate should possess strong analytical skills, a solid understanding of statistical techniques, and hands-on experience with data visualization tools like PowerBI. Additionally, expertise in ETL (Extract, Transform, Load) processes is required.

Responsibilities:

• Analyze complex datasets to extract valuable insights and identify trends.
• Develop predictive models and algorithms to support business objectives.
• Collaborate with cross-functional teams to understand data needs and deliver actionable solutions.

Requirements:

• 3 plus years of proven experience as a Data Scientist or similar role.
• Proficiency in statistical analysis, machine learning techniques, and programming languages such as Python or R.

Join our dynamic team and contribute to driving data-driven decisions that impact our business success!

• Mandatory skills -PHP Experience.
• Experience in web application development and web developer.
• Good Knowledge of PHP, MySQL, jQuery, Javascript, HTML5, CSS3, XML
• Good debugging skills .
• Expertise in MVC Frameworks and good technology exposure of CI/Larvel frameworks added advantage.

Responsibilities:

• Writing and maintaining the automation for deployments across various cloud (AWS/Azure/GCP)
• Bring a passion to stay on top of DevOps trends, experiment, and learn new CI/CD technologies.
• Creating the Architecture Diagrams and documentation for various pieces
• Build tools and automation to improve the system's observability, availability, reliability, performance/latency, monitoring, emergency response

Requirements:

• 3 - 5 years of professional experience as a DevOps / System Engineer.
• Strong knowledge in Systems Administration & troubleshooting skills with Linux.
• Experience with CI/CD best practices and tooling, preferably Jenkins, Circle CI.
• Hands-on experience with Cloud platforms such as AWS/Azure/GCP or private cloud environments.
• Experience and understanding of modern container orchestration, Well-versed with the containerised applications (Docker, Docker-compose, Docker-swarm, Kubernetes).
• Experience in Infrastructure as code development using Terraform.
• Basic Networking knowledge VLAN, Subnet, VPC, Webserver like Nginx, Apache.
• Experience in handling different SQL and NoSQL databases (PostgreSQL, MySQL, Mongo).
• Experience with GIT Version Control Software.
• Proficiency in any programming or scripting language such as Shell Script, Python, Golang.
• Strong interpersonal and communication skills; ability to work in a team environment.

• AWS / Kubernetes Certifications: AWS Certified Solutions Architect / CKA.
• Setup and management of a Kubernetes cluster, including writing Docker files.
• Experience working in and advocating for agile environments.
• Knowledge in Microservice architecture.

• You have experience of 2-4 years in building high-performance consumer-facing mobile applications at Product companies of a decent scale.
• You can write code preferably in Golang and Python.
• You have experience with debugging production issues and writing RCAs.
• You have demonstrable stories of being on-call and how outages have been handled.
• You have experience developing products on Kubernetes and cloud providers like GCP and AWS.
• You have worked with Cloud Native (CNCF) technologies.
• You have experience automating CI/CD pipelines.
• You are an excellent collaborator & communicator. You know that start-ups are a team sport.
• You listen to others, aren’t afraid to speak your mind and always try to ask the right questions.
• You are excited by the prospect of working in a distributed team and company