About Credit Saison India: Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities: Promote DataOps approach to Data science, engineering and analytics delivery processes to automate the provision of data, testing and monitoring and shorten CI/CD. Collaborate with data & ML leads and create and build optimal data pipeline architecture for the data solutions including data science products Ensure the data pipelines are scalable and performant as well as creating and maintaining service to connect data products Create dashboards and other tools required to efficiently monitor our data and ML infrastructure, pipelines, ETL and analytics delivery processes. Building end-to-end event instrumentation and alerting system to detect and alert any anomaly in the system or in the data Assist in managing our data and ML infrastructure (upgrading, monitoring, optimising) Collaborate with IT DevOps engineers and participate in enterprise DevOps activities. Exchange your knowledge on infra and data standards with other developers and be part of our tech community. Promote the use of engineering best practices. Contribute to innovative POCs with our data & engineering teams. Remain flexible towards technology approaches to ensure that the best advantage is being taken by new technologies. Required skills & Qualifications: Strong drive to solve problems, communicate clearly and contribute positively to a DevOps/DataOps culture Knowledge of the latest DevOps tools and practices. Experience with data pipelines within AWS (Glue, DataPipeline, Athena, EMR, DMS, Spark) Experience of Database Replication and databases like Aurora, MySQL, MariaDB, etc. Efficient in building CI/CD pipelines for containerized Java/Python codestack Comfortable with Git workflow. Experience with applications deployed in AWS. Experience with configuration management and provisioning tools (e.g., Ansible, CloudFormation, Terraform) Knowledge of one or more scripting languages - Bash/Python/JavaScript Orchestration/containerisation using Docker and Kubernetes. Basic knowledge of data science & ML engineering Bachelors Degree in computer science or similar degree or Big Data Background from top tier universities. Experience: 6 - 10 years of experience. About Credit Saison India:Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled ...

About Credit Saison India Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities: Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well. Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.) Identify trends by performing necessary analytics at various cuts for the Portfolio Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio Work with Product team and engineering team to help implements the Risk strategies Work with Data science team to effectively provide inputs on the key model variables and optimise the cut off for various risk models Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting Should have good understanding about various unsecured credit products Should be able to understand the business problems and helps convert them into the analytical solutions Required skills & Qualifications: Bachelors degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS) 2-5 years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights Proficiency in SQL and other analytical tools/scripting languages such as Python or R Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions Proficiency with statistical and data mining techniques Proficiency with machine learning techniques such as decision tree learning etc. Should have an experience working with both structured and unstructured data Fintech or Retail/ SME/LAP/Secured lending experience is preferred About Credit Saison IndiaEstablished in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled p...

About Credit Saison India Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities: Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well. Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.) Identify trends by performing necessary analytics at various cuts for the Portfolio Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio Work with Product team and engineering team to help implements the Risk strategies Work with Data science team to effectively provide inputs on the key model variables and optimise the cut off for various risk models Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting Should have good understanding about various unsecured credit products Should be able to understand the business problems and helps convert them into the analytical solutions Required skills & Qualifications: Bachelors degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS) 5 -7 years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights Proficiency in SQL and other analytical tools/scripting languages such as Python or R Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions Proficiency with statistical and data mining techniques Proficiency with machine learning techniques such as decision tree learning etc. Should have an experience working with both structured and unstructured data Fintech or Retail/ SME/LAP/Secured lending experience is preferred About Credit Saison IndiaEstablished in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled p...

About Credit Saison India Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities Define and lead the data architecture vision and strategy, ensuring it supports analytics, ML, and business operations at scale. Architect and manage cloud-native data platforms using Databricks and AWS, leveraging the lakehouse architecture to unify data engineering and ML workflows. Build and optimize large-scale batch and streaming pipelines using Apache Spark, Airflow, and AWS Glue, ensuring high availability and fault tolerance. Design and develop data marts, warehouses, and analytics-ready datasets tailored for BI, product, and data science teams. Implement robust ETL/ELT pipelines with a focus on reusability, modularity, and automated testing. Enforce and scale data governance practices, including data lineage, cataloging, access management, and compliance with security and privacy standards. Partner with ML Engineers and Data Scientists to build and deploy ML pipelines, leveraging Databricks MLflow, Feature Store, and MLOps practices. Provide architectural leadership across data modeling, data observability, pipeline monitoring, and CI/CD for data workflows. Evaluate emerging tools and frameworks, recommending technologies that align with platform scalability and cost-efficiency. Mentor data engineers and foster a culture of technical excellence, innovation, and ownership across data teams. Required Skills & Qualifications 8+ years of hands-on experience in data engineering, with at least 4 years in a lead or architect-level role. Deep expertise in Apache Spark, with proven experience developing large-scale distributed data processing pipelines. Strong experience with Databricks platform and its internal ecosystem (e.g., Delta Lake, Unity Catalog, MLflow, Job orchestration, Workspaces, Clusters, Lakehouse architecture). Extensive experience with workflow orchestration using Apache Airflow. Proficiency in both SQL and NoSQL databases (e.g., Postgres, DynamoDB, MongoDB, Cassandra) with a deep understanding of schema design, query tuning, and data partitioning. Proven background in building data warehouse/data mart architectures using AWS services like Redshift, Athena, Glue, Lambda, DMS, and S3. Strong programming and scripting ability in Python (preferred) or other AWS-compatible languages. Solid understanding of data modeling techniques, versioned datasets, and performance tuning strategies. Hands-on experience implementing data governance, lineage tracking, data cataloging, and compliance frameworks (GDPR, HIPAA, etc.). Experience with real-time data streaming using tools like Kafka, Kinesis, or Flink. Working knowledge of MLOps tooling and workflows, including automated model deployment, monitoring, and ML pipeline orchestration. Familiarity with MLflow, Feature Store, and Databricks-native ML tooling is a plus. Strong grasp of CI/CD for data and ML pipelines, automated testing, and infrastructure-as-code (Terraform, CDK, etc.). Excellent communication, leadership, and mentoring skills with a collaborative mindset and the ability to influence across functions. About Credit Saison IndiaEstablished in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled p...

About Credit Saison India: Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities: Promote DataOps approach to Data science, engineering and analytics delivery processes to automate the provision of data, testing and monitoring and shorten CI/CD. Collaborate with data & ML leads and create and build optimal data pipeline architecture for the data solutions including data science products Ensure the data pipelines are scalable and performant as well as creating and maintaining service to connect data products Create dashboards and other tools required to efficiently monitor our data and ML infrastructure, pipelines, ETL and analytics delivery processes. Building end-to-end event instrumentation and alerting system to detect and alert any anomaly in the system or in the data Assist in managing our data and ML infrastructure (upgrading, monitoring, optimising) Collaborate with IT DevOps engineers and participate in enterprise DevOps activities. Exchange your knowledge on infra and data standards with other developers and be part of our tech community. Promote the use of engineering best practices. Contribute to innovative POCs with our data & engineering teams. Remain flexible towards technology approaches to ensure that the best advantage is being taken by new technologies. Required skills & Qualifications: Strong drive to solve problems, communicate clearly and contribute positively to a DevOps/DataOps culture Knowledge of the latest DevOps tools and practices. Experience with data pipelines within AWS (Glue, DataPipeline, Athena, EMR, DMS, Spark) Experience of Database Replication and databases like Aurora, MySQL, MariaDB, etc. Efficient in building CI/CD pipelines for containerized Java/Python codestack Comfortable with Git workflow. Experience with applications deployed in AWS. Experience with configuration management and provisioning tools (e.g., Ansible, CloudFormation, Terraform) Knowledge of one or more scripting languages - Bash/Python/JavaScript Orchestration/containerisation using Docker and Kubernetes. Basic knowledge of data science & ML engineering Bachelors Degree in computer science or similar degree or Big Data Background from top tier universities. Experience: 6 - 10 years of experience. About Credit Saison India:Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled ...

About Credit Saison : Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintech s. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Credit Saison Co., Ltd. ( ) is a leading Japanese financial services company, founded in 1951 and headquartered in Tokyo. As the 3rd largest credit card issuer in Japan, Credit Saison boasts over 35 million cardholders. The company operates across five main segments: Payments (B2C): Offering a variety of payment services, including credit and prepaid cards, and smartphone-based payments. Payments (B2B): Providing credit cards and other payment services to businesses, enhancing cash flow and back-office efficiency. Finance: Offering financial products for home purchases, rentals, and leases. Global Business: Delivering digitalized and localized financial services to underserved communities in Southeast Asia, India, and Latin America. Asset Management: Providing asset management services tailored to business operators capital investment plans. Saison International serves as the international headquarters and global business arm of Credit Saison and plays a key role in connecting its subsidiaries. Established in 2014, Saison International operates in Southeast Asia, India, and Latin America, partnering with local non-bank financial institutions and FinTech companies to manage a lending business for individuals and MSMEs. This includes Onshore subsidiaries engaged in wholesale lending in Brazil and Mexico An offshore wholesale lending business based out of Singapore (Saison Investment Management Pte Ltd) A non bank finance company in India engaged in both retail and wholesale lending. Associates enagaged in retail and wholesale lending in south east Asian countries such as Indonesia and Vietnam. In addition to its lending business, Saison International also engages in Investment activities, including venture capital. Saison International has been the key driver of growth for Credit Saison, notably establishing a US$ 2bn lending business in India in the last 5 years. Saison International forms the core of the groups future growth strategy. Come join us and be a part of a unique and culturally modern fintech NBFC that is bound for greater success. We pride ourselves on a modern technology stack - reliable, scalable and highly secure!Our tech stack reads like this - Microservices architecture built on Java (Springboot),Kotlin, Go, Python and some serverless infra, Front-ends on VueJS, Mobility via Flutter fully deployed on an automated cloud environment. We have a robust data infrastructure to derive intuitive business insights and also perform automated decisions in our lending process. Skills/Qualifications: A solid grounding in Computer Science fundamentals (based on a BS or MS in CS or related field) Excellent Object Orientation, coupled with excellent problem solving and debugging skills. Highly skilled at Java and related technologies, including Java Frameworks like SpringBoot or Dropwizard, RESTful web services, JSON, Servlet, JSP, MySQL,MongoDB, Kafka,AWS etc. Must have hands-on experience on building scalable and secure backend systems. Should have working knowledge of DevOps concepts like Continuous Deployment, Jenkins, Kubernetes and deployment on AWS. Good understanding of one of the JavaScript libraries and frameworks such as ReactJS, AngularJS etc will be an added advantage. Well versed in software engineering principles, frameworks and technologies Job Duties: Develop server side components, REST APIs - Assume ownership for existing and new modules including design, development and unit testing for enhancements of existing modules and development of new modules. Follows coding standards, builds appropriate unit tests,integration tests and deployment scripts. Solve Problems - Analyse problems logically and exercise sound judgement in defining,evaluating, and solving difficult technical and operational problems where solutions may be of a precedent-establishing nature. Lead the design and architectural improvements - Participate and collaborate with team members in design discussions, determine areas of complexity, potential risks to successful implementation, suggest enhancements to architecture, implement POCs and enhance application. Work closely with team members, coordinate requirements, and perform feasibility studies to implement them in application, provide schedules, and activities; contribute to team meetings and activities; troubleshoot development and production problems across multiple environments and operating platforms About Credit Saison :Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partn...

About Credit Saison India Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Job Summary: As a Senior Mobile Developer, you will be responsible for designing, developing, and maintaining high-quality mobile applications. You will collaborate closely with cross-functional teams to deliver user-friendly and performant apps that meet our business objectives. Your role will involve working on complex mobile projects, contributing to the overall mobile strategy of the company. Key Responsibilities: Design and Development: Design, and develop mobile applications for Android , iOS platforms using Flutter (Dart) framework. Code Quality: Write clean, maintainable, and efficient code following best practices, including code reviews and continuous integration. Performance Optimisation: Ensure applications are optimised for speed, scalability, and reliability. User Experience: Collaborate with UX/UI designers to implement intuitive and responsive user interfaces. Security: Implement best practices for app security, data protection, and user privacy. Documentation: Maintain comprehensive documentation for code, architecture, and development processes. Qualifications & Education: Experience: 2-4 years of professional experience in mobile application development. Bachelor s degree in Computer Science, Software Engineering, or a related field (or equivalent experience). Technical Skills: Strong proficiency in either Android (Java/Kotlin) or iOS (Swift/Objective-C) development. Experience with Flutter (Dart) for cross-platform mobile development is a plus. Understanding of mobile architecture patterns (MVC, MVVM, VIPER, etc.). Familiarity with RESTful APIs, third-party libraries, and integration tools. Knowledge of mobile app deployment processes in Google Play Store and Apple App Store. Tools: Experience with version control (Git), CI/CD pipelines, and any mobile testing frameworks. About Credit Saison IndiaEstablished in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled p...

About Credit Saison India Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities: Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well. Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.) Identify trends by performing necessary analytics at various cuts for the Portfolio Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio Work with Product team and engineering team to help implements the Risk strategies Work with Data science team to effectively provide inputs on the key model variables and optimise the cut off for various risk models Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting Should have good understanding about various unsecured credit products Should be able to understand the business problems and helps convert them into the analytical solutions Required skills & Qualifications: Bachelors degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS) 5 + years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights Proficiency in SQL and other analytical tools/scripting languages such as Python or R Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions Proficiency with statistical and data mining techniques Proficiency with machine learning techniques such as decision tree learning etc. Should have an experience working with both structured and unstructured data Fintech or Retail/ SME/LAP/Secured lending experience is preferred About Credit Saison IndiaEstablished in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled p...

About Credit Saison India Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of SP Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Job Summary: We are seeking a data-driven and strategic professional to lead our collection strategy for retail and SME loans in India. The ideal candidate will develop, implement, and optimize debt collection strategies that improve recovery rates, reduce delinquency, and ensure compliance with regulatory guidelines. The role requires a strong understanding of analytics, collection processes, RBI regulations, and customer segmentation. Key Responsibilities: Strategy Development: Design and implement end-to-end collection strategies across delinquency buckets (soft, hard, and legal collections). Develop risk-based segmentation to prioritize accounts and personalize recovery actions. Optimize contact strategies (SMS, IVR, email, field visits, call center) based on customer behavior and risk profile. Portfolio Management: Monitor portfolio performance, delinquency trends, and recovery rates. Identify stress segments and design focused recovery campaigns. Analytics Reporting: Use data analytics and machine learning models to forecast recoveries and predict roll rates. Work closely with the data science team to improve scoring models. Build dashboards and performance reports for senior management. Process Optimization: Drive automation and digitization of collections processes. Collaborate with tech teams to implement collection systems (CRM, dialers, payment gateways). Identify and fix bottlenecks in existing collection flows. Agency Vendor Management: Onboard and manage third-party collection agencies and legal vendors. Define SLAs and ensure adherence to compliance and performance metrics. Compliance Risk: Ensure adherence to RBI guidelines, fair practices code, and regulatory requirements. Mitigate reputational and operational risk through effective control mechanisms. Qualifications Skills: Bachelor s degree in Business, Finance, Economics, or related field; MBA preferred. 5-10 years of experience in debt collections, preferably in a fintech, NBFC, or bank. Experience in managing unsecured and secured loan portfolios. Strong knowledge of Indian regulatory framework (RBI, DRA guidelines, SARFAESI). Proficient in Excel, SQL, Power BI/Tableau; knowledge of SAS/R/Python is a plus. Excellent problem-solving, analytical, and communication skills. Experience in working with cross-functional teams (tech, legal, product, operations). Preferred: Exposure to collections strategy in digital lending or consumer finance. Experience with AI/ML-based collection scorecards or decision engines. Multilingual proficiency to deal with regional agencies across India. About Credit Saison IndiaEstablished in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled p...

Creating and managing dashboards and templates for portfolio review. Monitoring of portfolio performance against defined thresholds and benchmarks. Defining and tracking Early Warning Signals (EWS) to take timely and preventive measures Benchmarking against industry and peers ECL budgeting and tracking actual performance against the budget Tracking macro indicators and its impact on the company Loss projections based on recent performance updates Stress testing analysis Reporting for senior management and board/ committees Adhoc risk analysis as required Liaison with different teams and stakeholders in terms of understanding, co-ordinating and communicating the outputs from portfolio risk analysis Knowledge and experience Significant prior experience in an portfolio risk management of lending business. Experience in market risk and liquidity risk 8+ years of total experience with Indian NBFC experience preferred. Understanding of financial sector/ lending business risk metrics (PAR, DPD, AUM, vintage, Loss curves, roll rates) Wide range of products experience - Retail and MSME loans, Secured and unsecured loans, partnerships, structured finance products etc. Risk and financial reporting, and MIS production experience Experience with working at NBFCs or banks or consulting to Banks and NBFCs Key competencies/behaviours Interpersonal and influencing skills, including strong oral and written communication Strong work ethic Ability to solve problems in creative, practical ways Ability to build relationships with Stakeholders at all levels of seniority. Liaison between various teams across disciplines. High personal standards with respect to the quality of your own work The ability to work seamlessly as part of a wider team, furthering common goals and working within demanding deadlines Qualifications Required for the role Master s degree in a relevant quantitative/risk/finance discipline CA/ CFA or other professional financial qualification Highly proficient user of Microsoft Excel including data analysis tools Prior exposure to Tableau will be better About Credit Saison:Established in 2019, CS India is one of the country s fastest-growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partne...

About Credit Saison: Established in 2019, CS India is one of the country’s fastest-growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. More about us on https://www.creditsaison.in Key Responsibilties Creating and managing dashboards and templates for portfolio review. Monitoring of portfolio performance against defined thresholds and benchmarks. Defining and tracking Early Warning Signals (EWS) to take timely and preventive measures Benchmarking against industry and peers ECL budgeting and tracking actual performance against the budget Tracking macro indicators and its impact on the company Loss projections based on recent performance updates Stress testing analysis Reporting for senior management and board/ committees Adhoc risk analysis as required Liaison with different teams and stakeholders in terms of understanding, co-ordinating and communicating the outputs from portfolio risk analysis Knowledge and experience Significant prior experience in an portfolio risk management of lending business. Experience in market risk and liquidity risk 8+ years of total experience with Indian NBFC experience preferred. Understanding of financial sector/ lending business risk metrics (PAR, DPD, AUM, vintage, Loss curves, roll rates) Wide range of products experience – Retail and MSME loans, Secured and unsecured loans, partnerships, structured finance products etc. Risk and financial reporting, and MIS production experience Experience with working at NBFCs or banks or consulting to Banks and NBFCs Key competencies/behaviours Interpersonal and influencing skills, including strong oral and written communication Strong work ethic Ability to solve problems in creative, practical ways Ability to build relationships with Stakeholders at all levels of seniority. Liaison between various teams across disciplines. High personal standards with respect to the quality of your own work The ability to work seamlessly as part of a wider team, furthering common goals and working within demanding deadlines Qualifications Required for the role Master’s degree in a relevant quantitative/risk/finance discipline CA/ CFA or other professional financial qualification Highly proficient user of Microsoft Excel including data analysis tools Prior exposure to Tableau will be better

About Credit Saison: A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of Individuals, SMEs, FinTechs, and NBFCs. Credit Saison India (“CS India”), having been founded in 2018, operates under the registered name Kisetsu Saison Finance India Private Limited as an MNC subsidiary of its parent company – Credit SaisonCo. Ltd in Japan. Across our various business verticals like Wholesale Financing, Co-origination Financing, Consumer Financing, and SME Financing we look towards reaching resilient Assets Under Management (“AUM”) of US1bn in record time. More about us on https://www.creditsaison.in Job Description: Conduct credit assessment of the leads & filtering them out for further evaluation. Assist in various aspects of Due Diligence activities of the prospective borrowers. Analyse financial statements of the prospects, including but not limited to Balance Sheet; Profit & Loss Statement; Cash Flow Statement, etc. Build various financial models/projections; detailed financial analysis outputs that shall assist in decision making. Prepare investment proposals as well as in preparing internal & external presentations & materials. Assist in sourcing new leads for lending Eligibility Criteria CA/ MBA/any other postgraduate degree related to finance or related areas. 0-2 years of related experience

About Credit Saison India Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities: Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well. Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.) Identify trends by performing necessary analytics at various cuts for the Portfolio Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio Work with Product team and engineering team to help implements the Risk strategies Work with Data science team to effectively provide inputs on the key model variables and optimise the cut off for various risk models Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting Should have good understanding about various unsecured credit products Should be able to understand the business problems and helps convert them into the analytical solutions Required skills & Qualifications: Bachelor's degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS) 4-6 years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights Proficiency in SQL and other analytical tools/scripting languages such as Python or R Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions Proficiency with statistical and data mining techniques Proficiency with machine learning techniques such as decision tree learning etc. Should have an experience working with both structured and unstructured data Fintech or consumer lending experience is preferred

Promote DataOps approach to Data science, engineering and analytics delivery processes to automate the provision of data, testing and monitoring and shorten CI/CD. Collaborate with data ML leads and create and build optimal data pipeline architecture for the data solutions including data science products Ensure the data pipelines are scalable and performant as we'll as creating and maintaining service to connect data products Create dashboards and other tools required to efficiently monitor our data and ML infrastructure, pipelines, ETL and analytics delivery processes. Building end-to-end event instrumentation and alerting system to detect and alert any anomaly in the system or in the data Assist in managing our data and ML infrastructure (upgrading, monitoring, optimising) Collaborate with IT DevOps engineers and participate in enterprise DevOps activities. Exchange your knowledge on infra and data standards with other developers and be part of our tech community. Promote the use of engineering best practices. Contribute to innovative POCs with our data engineering teams. Remain flexible towards technology approaches to ensure that the best advantage is being taken by new technologies. Required skills Qualifications: Strong drive to solve problems, communicate clearly and contribute positively to a DevOps/DataOps culture Knowledge of the latest DevOps tools and practices. Experience with data pipelines within AWS (Glue, DataPipeline, Athena, EMR, DMS, Spark) Experience of Database Replication and databases like Aurora, MySQL, MariaDB, etc Efficient in building CI/CD pipelines for containerized Java/Python codestack Comfortable with Git workflow. Experience with applications deployed in AWS. Experience with configuration management and provisioning tools (eg, Ansible, CloudFormation, Terraform) Knowledge of one or more scripting languages - Bash/Python/JavaScript Orchestration/containerisation using Docker and Kubernetes. Basic knowledge of data science ML engineering Bachelors Degree in computer science or similar degree or Big Data Background from top tier universities.

About Credit Saison India Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities: Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well. Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.) Identify trends by performing necessary analytics at various cuts for the Portfolio Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio Work with Product team and engineering team to help implements the Risk strategies Work with Data science team to effectively provide inputs on the key model variables and optimise the cut off for various risk models Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting Should have good understanding about various unsecured credit products Should be able to understand the business problems and helps convert them into the analytical solutions Required skills & Qualifications: Bachelors degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS) 4-6 years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights Proficiency in SQL and other analytical tools/scripting languages such as Python or R Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions Proficiency with statistical and data mining techniques Proficiency with machine learning techniques such as decision tree learning etc. Should have an experience working with both structured and unstructured data Fintech or consumer lending experience is preferred About Credit Saison IndiaEstablished in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled p...

About Credit Saison: A Neo-Lending Conglomerate here to enable Indias credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate Indias credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of Individuals, SMEs, FinTechs, and NBFCs. Credit Saison India ( CS India ), having been founded in 2018, operates under the registered name Kisetsu Saison Finance India Private Limited as an MNC subsidiary of its parent company - Credit SaisonCo. Ltd in Japan. Across our various business verticals like Wholesale Financing, Co-origination Financing, Consumer Financing, and SME Financing we look towards reaching resilient Assets Under Management ( AUM ) of US1bn in record time. More about us on https://www.creditsaison.in Job Description: - Conduct credit assessment of the leads & filtering them out for further evaluation. - Assist in various aspects of Due Diligence activities of the prospective borrowers. - Analyse financial statements of the prospects, including but not limited to Balance Sheet; Profit & Loss Statement; Cash Flow Statement, etc. - Build various financial models/projections; detailed financial analysis outputs that shall assist in decision making. - Prepare investment proposals as well as in preparing internal & external presentations & materials. - Assist in sourcing new leads for lending Eligibility Criteria - CA/ MBA/any other postgraduate degree related to finance or related areas. - 0-2 years of related experience About Credit Saison: A Neo-Lending Conglomerate here to enable Indias credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate Indias credit growth s...

About Credit Saison: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. More about us on https://www.creditsaison.in Job Description Responsibilities Partner with Businesses to drive and align with the organization's business plan. Implement HR plans and solutions to achieve strategic business initiatives and deliver results. Analyzes trends and metrics in partnership with COEs to develop solutions, programs, and policies. Drive all HR projects closely with the business team covering employee engagement, performance management, organizational design, talent management, policy, and process review. Analyzes trends and metrics in partnership with COEs to develop solutions, programs, and policies. Work closely with management and employees to improve work relationships, build morale and increase productivity and retention. Consults with line management, providing HR guidance when appropriate. Provide HR policy guidance and interpretation. Manages and resolves complex employee relations issues. Conducts effective, thorough, and objective investigations. Provides guidance and input on department restructures, manpower planning, and succession planning. Resolve employee issues/queries and address grievances. Conduct thorough investigations where required. Partnering with line management and employees to enhance employee engagement. Ensure adherence to legal compliance and governance guidelines in various business verticals / locations Driving various learning interventions and capability building programmes Monitor attrition and design strategies in collaboration with business function to reduce attrition Drive end to end Performance management cycle for the business units Create platform for solving employee grievances and ensure effective and timely resolution to same Effective stakeholder management Skills and attributes for success This role requires an experienced, innovative, and resilient team player with excellent project management, communication, and leadership skills and a strong foundational understanding of the intersection of people partnering Recruitment, and HR operations Excellent project management, problem-solving, and delegation abilities, ability to manage complex global processes and programs Exceptional attention to detail, organizational skills, and ability to multi-task, prioritize, manage deadlines, and work under tight deadlines. Qualifications Bachelor's or master's degree in a Relevant field At least 5-10 years of relevant experience Excellent command of spoken and written English Experience in NBFC or Financial services with a specific focus on leading business partnering for Branches, Sales, and Business development verticals is a must but should not be a limiting factor for the right candidate Experience leading and managing HRBP teams

1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process About Credit Saison:Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partne...

About Credit Saison: Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process About Credit Saison:Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partne...

About Credit Saison India: Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Intern Job Summary: We are looking for a passionate and driven Software Engineer Intern to join our engineering team. As an intern, you will gain hands-on experience working on real-world software development projects alongside experienced engineers. This is an excellent opportunity to enhance your programming skills, contribute to impactful projects, and gain exposure to the software development lifecycle in a collaborative environment. Key Responsibilities: * Collaborate with engineering teams to design, develop, test, and deploy software solutions. * Write clean, maintainable, and efficient code in [programming languages used, e.g., Python, JavaScript, Java, etc.]. * Assist in debugging and troubleshooting application issues. * Participate in code reviews and team meetings. * Work with modern development tools and frameworks (e.g., Git, Docker, React, Node.js, etc.). * Learn and apply software development best practices. Qualifications: * Currently pursuing a Bachelors or Master s degree in Computer Science, Software Engineering, * Solid foundation in computer science fundamentals such as data structures, algorithms, and object-oriented programming. * Familiarity with one or more programming languages (e.g., Python, Java, C++, JavaScript). * Basic understanding of version control systems like Git. * Excellent problem-solving, communication, and teamwork skills. * Self-motivated and eager to learn new technologies. Nice to Have: * Experience with web or mobile development. * Exposure to databases (SQL/NoSQL) and APIs. * Knowledge of cloud platforms (e.g., AWS, Azure, GCP). What You ll Gain: * Practical experience working on production-grade software. * Mentorship from experienced engineers. * Opportunity to contribute to real business outcomes. * Insight into Agile/Scrum methodologies and professional software development processes. * Networking opportunities within a growing tech company. About Credit Saison India:Established in 2019, CS India is one of the country s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled ...