Ever since we began our journey in 2013, our aim has been to enable credit for every possible earning individual. Like payments, which have become digital, embedded & ubiquitous in the last 8 years, credit too will become a ubiquitous instrument for a consumer/business owner to transact for various purchases whether it is a vanilla Term Loan to consumer financing to working capital finance. And we are at the forefront of this shift.

We are one of the top-rated AI companies in India built credit scores, and alternate data products using multiple data sources, and operate as "SAAS" for 50+ clients across the banking and tech industry.

We are technology first, customer first and build products that help us give asymmetric scale

We launched embedded credit in 2020 under the brand name where we deeply embed our solution within a large online distribution platform at the time of the transaction for consumers via Personal Loan/Consumer Loan

We have embedded our solution with over 30 partners

Our current annualized disbursals as of FY 2023 stand at ~$200mn

Our team comes from a variety of backgrounds: Experts from NBFC, Bureaus, Banking, Technology, ex-entrepreneurs, co-located, PAN-India, diverse.

From your experience you should :

- Have thorough knowledge of risk & business analytics concepts - scorecard performance review, gap analysis, hypothesis testing, etc.

- Have understanding on credit policy, underwriting process, and experience of implementing credit strategies for unsecured lending products

- 2.5+ years of experience doing qualitative and quantitative analysis in the similar domain

- Extract valuable insights through by creating new variables and establishing relationships among them

- Extract valuable insights from performance data and make recommendations

- Have the ability to translate hypothesis into nuanced analytical intent

- Have the ability to work independently and derive desired results

- Be analytically rigorous and structured

- Work with partner teams to communicate requirements and drive necessary outputs

What will you be doing:

- Evaluate acquisition and portfolio risk in our lending portfolio, by complete assessment of our internal scorecards and policy matrices.

- Constantly assess effectiveness of existing credit policies and recommend new policies and corresponding operating guidelines for unsecured lending products

- Work closely with business teams in building pricing, limit enhancements and cross sell strategies

- Leverage data to build, monitor and deploy strategies to enhance collections efficiencies

- Work closely with collections and underwriting team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies

- Interact with lending partners in helping them understand innovative programs and define metrics for tracking

- Own the periodic review with the lending partners to track portfolio performance

What will you get?

- Good pay. We will pay well enough that money alone would not be a blocker for you joining.

- Mentorship and a chance to grow professionally by experts from NBFC, Banking, Bureau, Technology

- A chance at a career-building stint., excellent shape and poised to become significant.

- An opportunity to be part of a blitz scaling team and shape the industry's narrative.

- A chance to define the company culture, be a stakeholder in how we do things. Don't like something? Make your case; change it.

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