Visual/UI Designer

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.

Purpose

We are working hard to be the world's most loved skill-learning platform & build the future of passion. We are here to do the best work of our lives, and together, we hope you are too. Come & help shape the future of inspiration & passion. As an early team member, you get to shape the direction of our products, company culture, hiring & product engineering practices.

Performance Marketer

About the role

● Own and drive a full-funnel global paid media strategy. You’ll define and shape our paid acquisition strategy, driving acquisition and assessing the full-funnel impact of our paid channels on activation, conversion, and retention.

● Experiment and test campaigns. You’ll design and execute testing roadmaps to evolve new campaign strategies, measuring performance to achieve maximum returns in any paid spend.

● Analyse, assess performance and iterate. You’ll analyse performance results and make recommendations for decisions across spending, targeting, bidding, creative, landing pages, and more.

● Partner and collaborate cross-functionally. You are highly collaborative in your approach and work closely with your counterparts across design, engineering, growth, and product.

● Be a leader in your craft. You’ll stay abreast of industry best practices, channels, and strategies, and identify new growth opportunities.

● As the senior member of the Marketing and Growth team, you'll be expected to set up

repeatable processes and help us scale the function as we grow.

● Problem solves some of the best consumer marketing problems on a global scale

What are we looking for?

● 5+ years working in the marketing or growth function, preferably in a startup.

● Proven experience in managing paid digital campaigns. You have a solid understanding of performance marketing, conversion, and customer acquisition.

● Hands-on experience in Google AdWords and Display/Social ads is a must. Expertise in one of them is a pre-requisite.

● Experience in subscription businesses is a bonus (Free to Paid, Recurring constructs). Also, experience in web-based marketing (we use apps mostly for engagement, and most of us customers convert on the web - both desktop & web)

● You are a self-starter and can make decisions on your feet with minimal supervision, and end-to-end ownership to drive outcomes.

● You possess deep customer empathy and love getting your hands dirty with data

● We are location agnostic, but in the same time zone (India). We have a small garden office @Jayanagar, Bangalore (home to some of the best dosas in India) to jam together on anything that requires space.

⌛️ Where will you spend your time?

• Early-stage AI SaaS product with the potential to disrupt the Product Analytics space
• Relentlessly improving performance, scalability, and maintainability on top of being responsible for entire products
• Owning the design process, implementation, and verification of framework components leveraging standard software engineering methodologies
• Translating functional and technical requirements into detailed architecture and design.

🤝 What makes you a good fit?

• 0-2 years of experience in product development, architecture, data structures, algorithms and design.
• Experience with API integrations, database design, and backend frameworks on NodeJS and/or Python
• Experienced with an agile team environment and you prefer being a self-starter.

👀 What process do we follow?

• The whole process is designed so that it can wrap within 2 weeks
• Application: We will keep it simple. You can apply directly through this link. All we ask for is a Resume and a couple of lines around the motivation for the position you are applying for. Additional Portfolio links such as Github, Medium or a Personal website are welcome but not mandatory.
• Screening: We will screen your profile and get back with a decision within 72 working hours.
• Interviews: We will have 3 rounds of technical interviews and 2 rounds of cultural fitment interviews.
• Offer Rollout: If all looks well, we will pop a bottle of champagne.

❤️ Well Being, compensation and how we behave when no one is watching?

We care about your well-being. Along with excellent health insurance, we offer flexibility to work how you want to. We push for physical well-being and in addition to internal health sessions, you get a complimentary annual gym membership.

We assign dedicated work hours exclusively to learning & development initiatives. We respect your weekends and in terms of work hours, we believe in deliverables over anything else. We regularly host team-building sessions, off-sites and encourage discussions around mental well-being and physical well-being over everything else. Most importantly, when our chips are down, we behave the way a family would.

We admire talent and believe in rewarding people for their input. We understand that compensation is an important factor. Our compensation will be respectful to your situation, and the whole process will be transparent from the very minute we speak to you.

Most of us have grown up in a meritocratic culture where actions speak louder. We grew up saying yes to a lot of things outside of our comfort zone and we want to maintain the same without any compromise. When actions speak, we love to celebrate and amplify bold moves. We don’t have answers to a lot of questions and when we falter, we will acknowledge our missteps. There are no closed doors in the way we work. At the end of the day, we are human beings and we will ensure that you can proudly call Crunchit your home.

🍰 What gives you brownie points?

You demonstrate learnability. The founders have spent their years building things mostly independently and at times relying on the collective hive mind of peers. If you are willing to learn and dare to say yes to things that lie out of your comfort zone, you’ll love the growth and transformation.

🏡 Where will you work from?

We are operating out of Central Indiranagar, Bangalore. We are firm believers in "when we sit together on a table, we move mountains". So you will be required to come to our office [WFO], which we have designed with a lot of love and affection :)

Experience:

The candidate should have about 2+ years of experience with design and development in Java/Scala. Experience in algorithm, data-structure, database and distributed System is mandatory.

Required Skills:

Mandatory: -

1. Core Java or Scala
2. Experience in Big Data, Spark
3. Extensive experience in developing spark job. Should possess good Oops knowledge and be aware of enterprise application design patterns.
4. Should have the ability to analyze, design, develop and test complexity of spark job.
5. Working knowledge of Unix/Linux.
6. Hands on experience in Spark, creating RDD, applying operation - transformation-action

Good To have: -

1. Python
2. Spark streaming
3. Py Spark
4. Azure/AWS Cloud Knowledge of Data Storage and Compute side

• 2-5 years of work experience, preferably in a startup
• An engineering degree preferably, from a top-tier school (or equivalent experience)
• Hands-on experience in developing end-to-end applications using Node.Js, ReactJs,
• Knowledge of HTML/CSS, web standards, best practices
• Experience of working with databases - MySQL, MongoDB
• Good understanding of asynchronous request handling, partial page updates, and AJAX
• An experience in writing clean, semantic code with cross-browser compatibility in mind
• Proficient understanding of code versioning tools, such as Git/SVN
• Excellent coding and debugging skills
• A passion and the ability to make beautiful, smooth, delightful web experiences
• A Will-Do attitude

• A team of aces, from top-tier schools and startups, to work with
• A fast-paced, data-driven, and fun work environment
• A huge appetite for new, disruptive, creative and implementable ideas
• An open work culture

• Competitive salary
• Great working environment, opportunity to work directly with the founders on very exciting real-life problems.
• Opportunity to grow really fast.
• Opportunity to hire a team & mentor them in the future.
• ESOPs

• Shortlist
• Intro call of 15min
• 1-2 Tech rounds
• HR round
• Offer rollout