1.JOB PURPOSE Analyze risk and assist the Supervisor to improve in securing sensitive information for DMI Group; Needs to work with different teams across the group to identify and correct flaws in the company’s security systems, solutions, and programs while recommending specific measures that can improve the company’s overall security posture; Gather information about ‘attack surface’ along with creation of offensive security metrics to defend the loopholes. 2.PRINCIPAL ACCOUNTABILITIES 1.Performing Test & Analysis w.r.t Cybersecurity & IT Evaluate Gap analysis, Risk Assessment and Test available control. Assess Vulnerability assessment (VA)/ Penetration Testing (PT) of Cloud and in premise network, servers, and endpoint devices. Gather information on incident, document RCA, keep a track of no. of RCAs and their action plans. Increase Continuous up-dation of company’s incident response and disaster recovery plans. 2.Reporting Generate reports post bug identification. Generate report on Risks identified and controls required. Report operational issues and violations. 3.Automation and Monitoring Conduct, review, and monitor automation of Security controls on the cloud Identify and document critical infra, customer data and security around the same. 4.Audit & Compliance Assist in Audit and certification w.r.t ISO, Cloud Security, Defensive and Offensive security. Create yearly audit calendar and necessary trails for compliance 3.SKILLS AND KNOWLEDGE a) Qualifications § Minimum Qualification required: Any Graduate Technical certification: CEH, Understanding of ISO, Cloud Security. Work Experience Minimum 1 years of experience Consulting / BFSI exposure is preferred. VA/PT, Forensics, AWS Cloud Security, API Testing, OSINT, Open-Source Monitoring Tools like Kali, Mobile Application Testing & API Testing Communication skills Collaboration skills

Job Purpose: We are looking for a Senior Credit Manager to manage and oversee the credit assessment process in our NBFC. The ideal candidate will be responsible for evaluating credit applications, implementing risk management strategies, and ensuring healthy portfolio quality while supporting business growth through sound lending practices. Key Responsibilities: Evaluate loan applications based on company policy and borrower risk profile. Perform detailed financial, creditworthiness, and analysis of individual and business clients. Conduct Personal Discussion at business premises of the customer to evaluate the proposal. Approve or recommend loan applications within designated credit authority limits. Develop credit appraisal models and risk assessment tools tailored to NBFC lending products. Regularly review and update credit policy and underwriting standards based on market trends and regulatory requirements. Monitor portfolio quality and flag early warning signs of potential delinquencies. Collaborate with collections team to minimize NPAs and manage recovery strategies. Ensure compliance with RBI guidelines and internal audit standards. Train and mentor a team of credit analysts or field officers. Coordinate with sales, legal, operations, and technology teams to streamline end-to-end credit workflows. Qualifications/Experience: Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CA preferred). 4–8 years of experience in credit underwriting, loan evaluation, or risk management in an NBFC, bank, or fintech. Strong knowledge of retail and MSME lending products and processes. Hands-on experience with credit bureau reports (CIBIL, CRIF, etc.) and alternative credit scoring. Familiarity with NBFC compliance and RBI regulatory framework. Proficiency in financial tools, spreadsheets, and lending platforms/LOS. Excellent analytical, communication, and decision-making skills.

Job Purpose: We are looking for a Senior Credit Manager to manage and oversee the credit assessment process in our NBFC. The ideal candidate will be responsible for evaluating credit applications, implementing risk management strategies, and ensuring healthy portfolio quality while supporting business growth through sound lending practices. Key Responsibilities: Evaluate loan applications based on company policy and borrower risk profile. Perform detailed financial, creditworthiness, and analysis of individual and business clients. Conduct Personal Discussion at business premises of the customer to evaluate the proposal. Approve or recommend loan applications within designated credit authority limits. Develop credit appraisal models and risk assessment tools tailored to NBFC lending products. Regularly review and update credit policy and underwriting standards based on market trends and regulatory requirements. Monitor portfolio quality and flag early warning signs of potential delinquencies. Collaborate with collections team to minimize NPAs and manage recovery strategies. Ensure compliance with RBI guidelines and internal audit standards. Train and mentor a team of credit analysts or field officers. Coordinate with sales, legal, operations, and technology teams to streamline end-to-end credit workflows. Qualifications/Experience: Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CA preferred). 4–8 years of experience in credit underwriting, loan evaluation, or risk management in an NBFC, bank, or fintech. Strong knowledge of retail and MSME lending products and processes. Hands-on experience with credit bureau reports (CIBIL, CRIF, etc.) and alternative credit scoring. Familiarity with NBFC compliance and RBI regulatory framework. Proficiency in financial tools, spreadsheets, and lending platforms/LOS. Excellent analytical, communication, and decision-making skills.

Job Purpose: We are seeking a skilled and analytical Credit Policy Manager/Sr. Manager to manage credit policy design and monitoring for the Personal Loans portfolio. The ideal candidate will have deep expertise in credit risk frameworks, strong command of ECL and loss forecasting methodologies, and solid experience in tracking Through-the-Door (TTD) metrics. Exposure to digital lending journeys and API based decisioning is highly desirable. Accountabilities: Design, review, and enhance credit underwriting policies for the Personal Loans portfolio. Build and maintain ECL (Expected Credit Loss) models in compliance with regulatory and internal requirements. Drive monthly and quarterly loss forecasting to support risk provisioning and business planning. Track and analyse Through-the-Door (TTD) portfolio performance and recommend corrective policy actions. Partner with Product, Tech, and Data teams to embed policy rules into digital lending journeys and real-time decision engines. Work closely with Product, Analytics, Collections, and Tech teams to ensure risk-reward balance in policy decisions. Develop automated monitoring tools for early warning signals and policy exception tracking. Support audits, regulatory inspections, and internal governance reviews with robust documentation and analytical insights Education: Bachelor's or Master's degree in Statistics, Economics, Engineering, Finance, or a related field Work Experience: 5–8 years of experience in Credit Policy / Credit Risk roles within banking or NBFCs, ideally in unsecured lending. Strong knowledge of credit policy design, scorecard deployment, segmentation strategies, and risk-adjusted pricing. Hands-on experience in ECL computation and loss forecasting models. Strong SQL and Python skills for data analysis, model development, and risk dashboards. Experience working with large datasets, preferably from core lending systems or bureau sources. Familiarity with visualization tools (e.g., Power BI, Tableau) is a plus

Job Purpose: To lead and oversee the end-to-end operations of Prepaid Payment Instruments (PPI), ensuring seamless transaction processing, compliance with regulatory guidelines, and operational efficiency. The role involves managing PPI issuance, fund loading, transfers, redemptions, and dispute resolution while ensuring adherence to RBI regulations and risk mitigation policies. The AVP is responsible for optimizing processes, driving automation, managing vendor relationships, and enhancing customer experience by improving service reliability and transaction security. Principal Accountabilities: 1.End-to-End PPI Operations Management a)Monitoring the issuance, loading, transfer, redemption, and closure of Prepaid Payment Instruments (PPIs). b)Ensure smooth processing of transactions across multiple payment modes, including wallets, prepaid cards, and UPI-linked PPIs. c)Implement automation and process enhancements to improve operational efficiency. Track key operational metrics like transaction success rates, fraud detection, reconciliation accuracy, and settlement efficiency. 2.Transaction Reconciliation & Settlement a)Oversee daily reconciliation of PPI transactions, ensuring accuracy and resolving discrepancies. b)Ensure timely settlement of funds between customers, merchants, and partner banks. c)Implement automated reconciliation processes to minimize manual errors and operational risks. 3.Regulatory Compliance & Risk Management a)Ensure strict adherence to RBI guidelines, AML/KYC norms, and digital payment regulations. b)Lead audits, regulatory reporting, and coordination with authorities for PPI-related compliance. c)Implement risk monitoring frameworks to detect fraud, unauthorized transactions, and compliance violations. 4.Dispute Resolution & Customer Experience a)Oversee customer escalations, chargebacks, and transaction disputes related to PPIs. b)Work with customer service teams to ensure timely resolution of complaints and improve service delivery. c)Implement service quality enhancements to ensure a frictionless user experience for PPI customers. 5.Operational Efficiency & Process Optimization a)Ensure smooth and efficient day-to-day PPI operations across multiple functions (customer service, transaction processing, settlements, etc.). b)Identify and implement process improvements to enhance productivity and reduce turnaround time. c)Leverage automation and digital solutions to streamline workflows and eliminate manual inefficiencies. 6.Technology & Digital Transformation a)Drive PPI system upgrades, fintech integrations, and cybersecurity measures to enhance operational security. b)Collaborate with IT teams to improve transaction monitoring, fraud prevention, and reporting capabilities. c)Implement digital innovations to enhance user experience and transaction efficiency. 7.Stakeholder Management & Cross-Functional Coordination a)Liaise with internal teams (risk, finance, compliance, IT, customer service) to ensure seamless PPI operations. b)Act as a bridge between business teams and regulatory authorities for smooth operational execution. c)Represent the organization in industry forums, regulatory discussions, and payment ecosystem collaborations. Qualifications Minimum Qualification required: Any Graduate Work Experience 12 to 15 years of experience in digital payments, banking operations, or fintech, with at least 5+ years in PPI. Hands-on experience in prepaid wallets, digital payment systems, and digital money transfers. Strong understanding of PPI issuance, fund loading, transfers, redemptions, refunds and chargebacks. Proven track record in managing regulatory & internal audits, risk assessments, and fraud prevention strategies. Exposure to handling escalations from regulatory bodies like RBI, NPCI, Switch and Escrow partners. Managing high-volume transactions while maintaining accuracy in fund transfers and financial reporting. Hands-on experience with **core banking systems, fintech platforms, and API-based payment. Experience in leading large teams handling PPI operations, dispute resolution, and customer escalations. Proven ability to handle high-pressure situations like system downtimes, fraud incidents, and regulatory changes. Excellent verbal and written communication skills for reporting financial findings. 1. PP

Job Purpose: We are looking for a seasoned credit professional to lead the underwriting function for unsecured lending products, including personal loans and top-up loans. The role involves overseeing policy execution, managing decisioning workflows, coordinating with internal and external partners, and driving consistent and quality credit outcomes. The ideal candidate should have a strong understanding of credit assessment, underwriting systems, and portfolio risk dynamics in the unsecured lending space. Principal Accountabilities: Policy Execution: Implement and monitor credit underwriting policies in line with risk appetite, product construct, and regulatory guidelines. Underwriting Oversight: Lead day-to-day underwriting operations for D2C and partner-originated loans, including exception handling and deviation approvals. Team Leadership: Supervise a team of credit underwriters and analysts to ensure turnaround time (TAT), accuracy, and portfolio quality are maintained. CPV & Fraud Controls: Collaborate with CPV, fraud control, and risk teams to ensure robust verification processes and fraud mitigation mechanisms. Credit Decisioning: Take ownership of decisioning logic deployed in underwriting platforms and BOT journeys; work with product/tech teams to enhance flow and automation. Portfolio Monitoring: Track and analyse portfolio behaviour – bounce rates, early delinquencies (FEMI), roll rates, and performance by channel/cohort. Stakeholder Coordination : Liaise with sales, operations, collections, and analytics teams to continuously optimize credit funnels and customer targeting. Audit & Compliance: Ensure adherence to internal policies and regulatory standards; support audits and implement control measures. Behavioural Competencies: Strong judgment and risk assessment capability Excellent team and stakeholder management Bias for execution, ownership, and continuous improvement Qualifications/Experience Bachelor's or Master's degree in Statistics, Economics, Engineering, Finance, or a related field Experience: 8–10 years in retail credit underwriting, with a focus on unsecured lending products Strong understanding of credit bureau data, scorecards, income proxies, and alternate data underwriting Familiarity with credit workflows, LOS/LMS systems, and digital underwriting tools Ability to drive decisions using analytics and field-level feedback Strong service provider management and governance

Roles & Responsibilities: Partnering with internal and external stakeholders to create financial models including MISs to help senior management take tactical and strategic business decisions. Eligibility Criteria: CA Fresher/MBA Excellent analytical and communication skills MS Excel and MS PowerPoint Fintech/NBFC/Banking articleship experience is a plus but not mandatory Job Description: Preparation of monthly MIS for the business unit to help senior management take tactical and strategic business decisions Perform competitive financial analysis from time to time enabling management with deep insights on competition Developing financial models and providing financial forecasts Co-ordinate with various stakeholders to get the required information and business insights Prepare response to management queries as an when required Performing ad-hoc financial analyses as needed Preferred Skills: Proficiency in MS Excel Proficient accounting and analytical skills Attention to detail Excellent written, oral communication and inter-personal skills Strong work-ethics and commitment