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
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 Qualifications: 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
The job involves overseeing and managing End-to-End PPI Operations, including implementing automation and process enhancements for operational efficiency. You will be responsible for tracking key operational metrics such as transaction success rates, fraud detection, reconciliation accuracy, and settlement efficiency. Additionally, you will oversee Transaction Reconciliation & Settlement by ensuring daily reconciliation of PPI transactions, timely settlement of funds, and implementing automated reconciliation processes to minimize errors and operational risks. Your role will also involve Regulatory Compliance & Risk Management, where you will lead audits, regulatory reporting, and implement risk monitoring frameworks to detect fraud, unauthorized transactions, and compliance violations. In terms of Dispute Resolution & Customer Experience, you will be responsible for handling customer escalations, chargebacks, transaction disputes, and working with customer service teams to ensure timely resolution and service delivery improvements. You will drive Operational Efficiency & Process Optimization by ensuring smooth day-to-day PPI operations, identifying and implementing process improvements, and leveraging automation and digital solutions to streamline workflows. Moreover, you will lead Technology & Digital Transformation initiatives by driving system upgrades, fintech integrations, cybersecurity measures, and implementing digital innovations to enhance user experience and transaction efficiency. Stakeholder Management & Cross-Functional Coordination will also be a key aspect of the role, involving liaising with internal teams and acting as a bridge between business teams and regulatory authorities for operational execution. Minimum qualifications include any Graduate degree, with a strong understanding of PPI operations, regulatory compliance, risk management, and experience in managing high-volume transactions. Excellent communication skills and the ability to handle high-pressure situations are essential for this role. If you have a proven track record in managing PPI operations, regulatory audits, risk assessments, and stakeholder coordination, this role offers an opportunity to drive operational excellence and digital transformation in the PPI domain.,
Led by technology, powered by creative thinking and driven by innovative partnerships, DMI is reimagining the transmission of credit in India. Founded in 2008 by Shivashish Chatterjee and Yuvraja C. Singh, and supported by a deeply experienced team, DMI has grown into a pan-India credit platform with core businesses in corporate lending, housing finance, digital consumer and MSME finance and asset management. DMI is supported by global institutional investors, strategic family offices and leading banks and public market creditors in India. Job Purp ose: Incumbent will be part Secured Loan- MSME - Risk & Policy Team for DMI Consumer Credit team. Core responsibilities would include evaluating creditworthiness of the clients by analyzing the financial performance of the clients for secured products primarily Loan against property. Key Accountabilities: Credit underwriting § Underwriting Secured loans – Loan against property proposals as per the laid down policies and procedure § Identify & assess the risk in the proposal, provide adequate credit support to the business, approve credit applications § Conducting PD and field visits to understand the client requirements and check credit worthiness. § Scrutinizing the financials and relevant documents and checking the credit history of the client Policy Support formulation § Suggest policies modifications, wherever required, for new partners and channels (Acquisition & Line management) § Identify and re-engineer processes on an ongoing basis and take corrective action in a timely manner without disrupting regular lending workflow § Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies. Portfolio Management § Constantly Evaluate portfolio performance. § Benchmark to Industry Standards. Stakeholder Management § Working closely with business sales managers to maintain a balanced and profitable credit portfolio. § Providing guidance to the business team w.r.t areas of policy and processes would be required on an ongoing basis. § Interacting with cross functional teams and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms Qualifications: Minimum Qualification: Postgraduate degree in management / CA Skills: Digital Assessment, Tech-savviness, Advanced Excel Work Experience: § 6-8 Years of relevant experience for Senior Manager
Job Purpose: Responsible for building growth product experiences and infrastructure to grow the business across Mobile APP & Web platforms . Role will entail owning the strategy, roadmap, and execution of key growth product initiatives focused on unlocking remarkable experiences for our existing customers through data driven customer insights. Key Accountabilities: Product Vision & Roadmap for driving X-Sell/Up-Sell of Financial Services through APP & Web Channels Be responsible for creating a product vision and a roadmap that aligns with the overall cross-sell strategy of DMI vision leveraging customer research, customer experience and new technologies. Work with cross-functional teams to design, develop, and launch new products to drive higher X-Sell/Up-Sell/retention. End-to-end ownership of delivering the products in line with the roadmap Think holistically across the end-to-end journey of a customer and develop strategy and roadmap for when and how we should engage customers across different automated and human-assisted channels (sales, support, self-serve emails, …) to successfully address awareness gaps and friction points in the most cost-effective way. Write crystal clear User Stories & product requirements & work with the team to be create design/wireframe. Cooperating with the team to ensure quick implementation of product growth plans. Prior Experience in Mobile APP is a must. Responsible for monetization of the customer base by launching new products & business lines e.g., Insurance, Warranty, Payments, UPI etc. Optimize the product for customer and business needs through Funnel Optimization Be outcome-oriented; everything we do needs metrics, and the role will be expected to define and improve these metrics. Setting and ensuring the company achieves specific KPIs in product-related metrics, such as activation, acquisition, conversion, retention, referrals, and revenue. Performing detailed product analysis which covers the product management funnel with all its aspects. Improving various aspects of customer experience, such as early marketing impressions and new account onboarding Determining and monitoring the effects of the metrics optimization Drive retention strategies & drive higher DAU, MAU & reduce Churn. P&L Management Maximizing the customer lifetime value by managing the lifecycle & increasing retention Increase the X-Sell ratio for both the Credit & Fee products. Manage the marketing budget across channels and ensure blended CAC is within the target range. Manage the P&L for few of the business lines (Repeat Consumption Loans / Fee Income) Stakeholder Management Interacting with cross functional teams such as Product, Design, Tech, Credit, Operations, Communication & Customer Success to drive the Growth agenda & ensuring correct implementation of all the product growth hacks. Lead discussions with external stakeholders/ channel partners during engagement calls Role requires a very high level of cross-functional interaction to successfully drive the Product Growth initiatives. Education Qualifications: MBA from a reputed institute with 5-7+ years of fulltime experience as a product manager launching consumer or B2B products. Knowledge of tools- WebEngage, MoEngage, Clevertap, Adobe, Google Analytics, AppsFlyer, Branch etc. Work Experience: 5-7+ years of relevant proven experience from a numbers-driven and analytical marketing environments - perhaps in an online consumer business (Fintech) or a bank/NBFC Experience with iterative hypothesis-driven product development and experimentation Experience working with a broad set of stakeholders and driving alignment. Strong written and verbal communication skills Takes an ownership mindset and works on whatever it takes to solve problems and delight users. Spikes in cutting through ambiguity to produce strategic insights and opportunities. Expert knowledge of various testing methodologies (A/B testing, multivariate testing, incrementality testing, usability testing) Strong Analytical Skills & business acumen Skills: SQL, Advanced Excel including Pivot Tables, R/Python is good to have. Information Security expectation: (Please select one of them)
Job Purpose: Responsible for building growth product experiences and infrastructure to grow the business across Mobile APP & Web platforms . Role will entail owning the strategy, roadmap, and execution of key growth product initiatives focused on unlocking remarkable experiences for our existing customers through data driven customer insights. Key Accountabilities: Product Vision & Roadmap for driving X-Sell/Up-Sell of Financial Services through APP & Web Channels Be responsible for creating a product vision and a roadmap that aligns with the overall cross-sell strategy of DMI vision leveraging customer research, customer experience and new technologies. Work with cross-functional teams to design, develop, and launch new products to drive higher X-Sell/Up-Sell/retention. End-to-end ownership of delivering the products in line with the roadmap Think holistically across the end-to-end journey of a customer and develop strategy and roadmap for when and how we should engage customers across different automated and human-assisted channels (sales, support, self-serve emails, …) to successfully address awareness gaps and friction points in the most cost-effective way. Write crystal clear User Stories & product requirements & work with the team to be create design/wireframe. Cooperating with the team to ensure quick implementation of product growth plans. Prior Experience in Mobile APP is a must. Responsible for monetization of the customer base by launching new products & business lines e.g., Insurance, Warranty, Payments, UPI etc. Optimize the product for customer and business needs through Funnel Optimization Be outcome-oriented; everything we do needs metrics, and the role will be expected to define and improve these metrics. Setting and ensuring the company achieves specific KPIs in product-related metrics, such as activation, acquisition, conversion, retention, referrals, and revenue. Performing detailed product analysis which covers the product management funnel with all its aspects. Improving various aspects of customer experience, such as early marketing impressions and new account onboarding Determining and monitoring the effects of the metrics optimization Drive retention strategies & drive higher DAU, MAU & reduce Churn. P&L Management Maximizing the customer lifetime value by managing the lifecycle & increasing retention Increase the X-Sell ratio for both the Credit & Fee products. Manage the marketing budget across channels and ensure blended CAC is within the target range. Manage the P&L for few of the business lines (Repeat Consumption Loans / Fee Income) Stakeholder Management Interacting with cross functional teams such as Product, Design, Tech, Credit, Operations, Communication & Customer Success to drive the Growth agenda & ensuring correct implementation of all the product growth hacks. Lead discussions with external stakeholders/ channel partners during engagement calls Role requires a very high level of cross-functional interaction to successfully drive the Product Growth initiatives. Education Qualifications: MBA from a reputed institute with 5-7+ years of fulltime experience as a product manager launching consumer or B2B products. Knowledge of tools- WebEngage, MoEngage, Clevertap, Adobe, Google Analytics, AppsFlyer, Branch etc. Work Experience: 5-7+ years of relevant proven experience from a numbers-driven and analytical marketing environments - perhaps in an online consumer business (Fintech) or a bank/NBFC Experience with iterative hypothesis-driven product development and experimentation Experience working with a broad set of stakeholders and driving alignment. Strong written and verbal communication skills Takes an ownership mindset and works on whatever it takes to solve problems and delight users. Spikes in cutting through ambiguity to produce strategic insights and opportunities. Expert knowledge of various testing methodologies (A/B testing, multivariate testing, incrementality testing, usability testing) Strong Analytical Skills & business acumen Skills: SQL, Advanced Excel including Pivot Tables, R/Python is good to have. Information Security expectation: (Please select one of them)
Job Purpose: To lead and execute strategies for App user acquisition, retention, engagement, and monetization. The role is responsible for driving measurable growth in new and returning installs, optimizing user engagement metrics, and managing the loyalty and monetization programs, including partnerships for third-party products such as insurance and financial services. Key Accountabilities: APP Growth & Engagement: Develop & implement marketing strategies (organic, CRM, CLM) for driving new & returning app installs through performance-driven initiatives Drive growth of DAU, MAU, sessions/user, aver session time through targeted campaigns via Push Notifications, SMS, Whatsapp, & RCS Manage the end-to-end customer lifecycle from acquisition to engagement to loyalty & referral through CLM journeys & targeted campaigns Implement effective re-engagement campaigns for activating dormant & at-risk users Implement effective churn prediction models and proactive retention initiatives Analyse uninstall trends and implement retention strategies to drive net app installs. Loyalty, Referral Program & Monetization: Design, manage, and optimize the app’s loyalty program to increase user retention and repeat usage. Develop and execute an effective referral program to drive organic acquisition and user advocacy. Track and analyse user behaviour to enhance reward mechanisms, gamification elements, and incentives. Collaborate with analytics and product teams to continuously refine loyalty and referral strategies based on performance. Drive monetization on APP through the sale of third-party products like insurance, fixed deposits, lead generation models, affiliate marketing, etc. Analytics & Reporting: Use tools like Webengage, firebase, playstore or equivalent for performance tracking and insights. Generate actionable insights from user data to inform future growth and engagement strategies. Present detailed reports on KPIs, campaign effectiveness, and strategic recommendations to senior leadership. Conduct A/B testing to optimize user journeys and conversion funnels Leverage data analytics for customer segmentation and personalized user experiences Creative comprehensive dashboards with the help of analytics team to measure all app growth, activation, and reactivation trends Education Qualifications: 5-7 years of post-MBA experience in a digital tech company working in digital growth, app marketing, or product growth role Must have knowledge of the following tools- WebEngage/ MoEngage/Clevertap, Adobe/Google Analytics, Google Playstore/Firebase etc., SQL, Tableau etc. Work Experience: Strong experience in Growth Hacking, Customer Lifecycle Management & Digital Marketing Campaigns Knowledge of end-to-end campaign management on CDP tools like webengage & performance management Experience in running loyalty & referral programs along with its P&L management Ability to effectively communicate across stakeholders across functions and positions Strong Analytical Skills & business acumen
JOB JOB PURPOSE In In Incumbent will be handling Unsecured Loan-Risk & Policy for 1 or more Consumption and Personal loans portfolios. Incumbent is also expected to help maintain minimum loss rates for Loan portfolios and at the same time figure out opportunities to increase portfolio size. 1. PR PRINCIPAL ACCOUNTABILITIES Data Analytics § Analyze data to identify high risk segments to limit and decrease loss rates. § Perform exploratory data analysis to identify interesting data trend/ insights. § Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity. Model Validation § Build/Validate statistical scoring models on Unsecured lending portfolios that would aid in customer segmentation. Policy formulation § Develop new policies for new partners and channels (Acquisition & Line management) § Review and update policies for existing partners in case of any change. § Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies. Portfolio Management § Constantly Evaluate portfolio performance. § Benchmark to Industry Standards. Loss Management § Monitor CL portfolio on a daily/weekly basis for any increase in risk (loss rates) § Forecast loss for CL portfolios Stakeholder Management § Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms Lead discussions with external stakeholders/ channel partners during engagement calls 1 . SKILLS AND KNOWLEDGE a) Minimum Qualification: Bachelor of Engineering/ Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R) Pref Preferred Qualification: MS/ MBA (with knowledge of Statistics and Python/R) b) Work Experience § 3-7 years § Experience in Risk Management. § Experience in unsecured lending § Skills: R/Python, SQL , Advanced Excel including Pivot Tables
Job Purpose: As a Technical Manager, your key responsibilities will include evaluation of properties offered as collateral for loan applications and adherence to company policies & regulatory requirements. This further includes conducting comprehensive assessment & evaluation of properties using suitable methodologies of valuation & study of micro markets and regulatory compliance to prevent frauds. As a Technical Manager, you are expected to stay updated on industry trends, regulatory changes, and best practices in the industry and recommend process improvement to enhance efficiency and effectiveness. Key Accountabilities: Identify, empanel, and handle external technical agency. Manage property & project valuation (including periodic audit exercise), monitoring TAT for reports. Act as an expert in technical matters relating to statutory laws on real estate, urban/rural planning authorities, local practices and do's/don'ts in specific markets, types of property etc. Do periodic or trigger-based review of technical agencies. Prepare and present detailed analysis of real estate on periodic basis. Conduct collateral visits, if required, to resolve discrepancies raised in the valuation reports, control vendor quality and to advise on the collateral acceptance. Review and update best practices on valuation report structure and content to improve the quality of the valuation report appropriate to the type of lending. Liaison with technical/valuation agency managers, valuers, government bodies/authorities, and other stakeholders. Maintain a database of capital values (Land & Built-up area) and of local building bye-laws (State wise/Location wise). Collateral portfolio Analysis works- including collateral portfolio monitoring, deviation analysis, rejection data analysis. Create & timely update location / hub specific technical policy based on local byelaws & practices. Qualifications: § Educational Qualification: B.E/B.Tech (Civil Engineering) or equivalent degree with relevant experience. § Communication skills: Good written and verbal communications skills to interact with internal and external customers. Work Experience: § Minimum 5+ years working experience with HFC/NBFC/Bank in real estate verifications/valuations. § Basic knowledge of mortgage lending viz. technical (valuations & building bye law compliance) & legal (mortgage creation/title documentation). § Experience in risk mgmt., policy, data interpretation and reporting would be an added advantage.
Job Overview: DMI Finance is seeking an experienced Finance Controller to lead our financial operations and drive technological innovation in our accounting and financial processes. This senior leadership role requires a strategic financial professional with 15-18 years of progressive experience in the NBFC sector, combining deep financial expertise with a passion for leveraging technology to enhance operational efficiency and accuracy. Key Responsibilities: A. Financial Management & Reporting Oversee preparation and analysis of monthly, quarterly, and annual financial statements in compliance with RBI guidelines and accounting standards (Ind AS/IFRS) Lead the month-end and year-end closing processes, ensuring accuracy and timeliness of financial reporting Manage statutory and regulatory reporting requirements including RBI returns, GST filings, and other compliance obligations Develop and maintain comprehensive financial analysis and management reporting frameworks Coordinate with external auditors and ensure smooth audit processes B. Strategic Financial Planning Collaborate with the Business team on the annual budgeting, forecasting, and strategic planning processes Provide strategic financial insights to senior management and board of directors Conduct variance analysis and provide actionable recommendations for business improvement Support business development initiatives with financial modeling and feasibility analysis Oversee capital adequacy planning and regulatory capital management C. Taxation & Compliance Lead comprehensive tax planning and strategy for direct and indirect taxes Oversee GST compliance, return filings, and input tax credit optimization Manage income tax computations, advance tax payments, and TDS/TCS compliance Handle tax assessments, appeals, and liaison with tax authorities Ensure compliance with withholding tax requirements on various financial products Monitor changes in tax legislation and assess impact on business operations Coordinate with tax consultants and manage transfer pricing documentation Implement tax technology solutions for automated compliance and reporting D. Risk Management & Compliance Establish and maintain robust internal controls and risk management frameworks Ensure compliance with all regulatory requirements including RBI norms, Companies Act, and other applicable regulations Monitor and manage credit risk, operational risk, and market risk exposures (internal financial controls). Implement and oversee fraud prevention and detection mechanisms Coordinate with risk management and compliance teams Technology Integration & Process Innovation: Spearhead digital transformation initiatives in finance and accounting functions Evaluate, implement, and optimize financial systems, ERP solutions, and automation tools Drive process reengineering to eliminate manual interventions and enhance accuracy Develop and implement automated reconciliation processes and controls E. Team Leadership & Development Lead and mentor a team of finance professionals, fostering a culture of continuous learning and innovation Drive performance management and succession planning within the finance function Collaborate effectively with cross-functional teams including Operations, Technology, Risk, and Audit Champion change management initiatives and ensure smooth adoption of new processes and technologies Education/Qualifications: Chartered Accountant (CA) qualification is mandatory MBA in Finance/related field is an advantage Experience Requirements: 15-18 years of progressive experience in finance and accounting roles Minimum 8 years of recent experience in the NBFC and Banking ecosystem Hands-on experience with financial systems implementation and process automation Strong background in regulatory compliance and RBI guidelines Leadership & Operational Skills: Exceptional analytical and problem-solving capabilities Strong communication and presentation skills Proven ability to drive change and innovation in traditional environments Strategic thinking with attention to operational details Ability to work under pressure and manage multiple priorities
Group Company: DMI FINANCE PVT LTD Designation: Manager Office Location: Delhi ITO Position description: Coordinate operations, ensure timely delivery of the agreed SLAs, TATs to keep the error rate within the agreed benchmarks; Ensure error free transaction support & adherence to traditional operational & regulatory frameworks; Provide guidance to subordinates, including monitoring of performance standards & its execution Primary Responsibilities: 1.BAU Execution Execute overall disbursals TATs to reduce the error rate and keep within the agreed benchmark including 100% loan booking through digital way & timely payment. Maintain a high %Age of QA rate by adhering compliance guidelines for KYC, and other customer documents Ensure new processes to provide error free transaction support and adhere to traditional regulatory requirements required by RBI Monitor RBI/Grievance Level escalation and provide instant resolution for the improvement of customer experience with DMI. Conduct Regular review and enhanced monitoring of customer repayments instruments (NACH/Emandate) and bridge the gaps wherever required Guide & train the team on new process and integrations to increase efficiency and output 2. Operational Controls Conduct regular review and provides relevant process download to ensure team productivity. Conduct Channel Partner Portfolio review / reconciliation to ensure correct bureau reporting. Provide effective and proper client servicing, resolving queries and complaints. Formulate periodic MIS and weekly review content. Ensure policy adherence and documentation. Extend support to automate the process. Control, execute Audit and compliances Conduct regular reconciliation of disbursal made to Channel partners and customers 3.ORM Controls Establishing a live risk register with KRIs/KCIs; conducting regular RCSA and closing CAPAs on time. Third-party risk oversight: due diligence, infosec compliance, SLA monitoring, and exit/contingency planning. Strengthening incident management: rapid triage, root-cause analysis, and preventive controls for recurring issues. Enhancing BCP/DR readiness for critical journeys (onboarding, disbursal, repayments), including periodic failover tests. Prepares Channel partner NACH health report to be published to improve quality at the time of onboarding. Provide Alternate solutions including Direct Debits and E- Mandate with maximum Banks to be explored. 4.Team Management Provide guidance and direction to subordinates, including setting performance standards and monitoring performance Guide & train the team on new processes and integrations to increase efficiency and output 5.Tech Requirements Oversee API Integrations and UAT: Coordinate end-to-end API integration between DMI’s digital lending platform and partner systems, including guiding User Acceptance Testing (UAT) to ensure error-free go-live. Requirements Gathering and Solution Design: Work closely with IT/Product teams to collect partner requirements, translate business needs into technical specifications, and review solution design for feasibility and alignment. Design new processes to improve the interaction of systems from process point of view to reduce the lapses in the overall process Oversee validation of data exchanged between partners and DMI systems (such as loan files, e-mandate/KYC data), ensuring accuracy and consistency—initiate reconciliation if discrepancies arise. Collaborate with Data/BI teams to build and maintain real-time dashboards for process KPIs, partner performance, and exception monitoring. a)Qualifications Minimum: Bachelor’s degree. Preferred: B.Tech/BE in Computer Science/IT/ECE or equivalent; MBA/PGDM in Operations/Finance/Analytics; or equivalent combination. b)Work Experience Minimum 3 years of experience Should have Banking & Lending operations background Should have updated knowledge of lending process and solutions available for digital lending platform Exposure of Stakeholder and team management
Group Company: DMI FINANCE PVT LTD Designation: Assistant Vice President Office Location: ITO New Delhi (HO) Position description: Develop, assess, and implement financial objectives and operational policy; Act as key advisor on resource enhancement and operational policy, providing guidance, education, and training; Oversee and assist management with annual budgeting, works towards reducing cost and in resource allocation; Utilize metrics to assess and drive operational performance, ensuring objectives are met Primary Responsibilities: 1.BAU Planning Drive overall operations, design SLAs, TATs to reduce the error rate and keep within the agreed benchmark Set up processes for the digital lending business and enjoying hands on experience in managing LOS, Virtual Assistant, Salesforce Service cloud and Customer Insights Ensure new processes to provide error free transaction support and adhere to traditional regulatory requirements required by RBI Guide & train the team on new process and integrations to increase efficiency and output 2.Stakeholder Management & New Channel Partner Onboarding Identify the needs of the channel partners and help them design processes to support business between both the organizations Design new processes to improve the interaction of systems from process point of view to reduce the lapse in the overall process Develop constructive and cooperative working relationships with our channel partners and maintaining them over time 3.Integrations & Tech Requirements Identify the needs of the channel partners and help them design processes to support business between both the organizations. Design new processes to improve the interaction of systems from process point of view to reduce the lapse in the overall process. Coordinate end-to-end API integration between DMI’s digital lending platform and partner systems, including guiding User Acceptance Testing (UAT) to ensure error-free go-live. Work closely with IT/Product teams to collect partner requirements, translate business needs into technical specifications, and review solution design for feasibility and alignment. Act as key escalation point for technical issues, quickly triage integration or process automation problems, and coordinate with Technology team for rapid resolution. Oversee validation of data exchanged between partners and DMI systems (such as loan files, e-mandate/KYC data), ensuring accuracy and consistency—initiate reconciliation if discrepancies arise. Maintain detailed SOPs and integration documentation for all tech processes; contribute to training sessions for internal staff and partners on new digital tools or processes. 4.Process enhancements & improvements Collaborate with Business, Compliance, Risk and Technology functions and responsible for GL control and regulatory reporting for the Consumer Business Monitors Surveillance across Fintech Partners from KYC and AML perspective and helps in process innovation to reduce cost and faster addressal of the customer’s need. Design and innovate existing process within the department to identify and implemented technology that can push towards paperless journey for the customers experience. 5.ORM Framework & Governance Establish and maintain an operational risk framework aligned to enterprise risk policies and RBI expectations, covering identification, assessment, mitigation, monitoring, and reporting. Define risk appetite and tolerances for core journeys (onboarding, disbursal, servicing, collections), with mapped KRIs/KCIs/KPIs and clear breach thresholds and escalation paths. Implement the three-lines-of-defense model in operations: clarify 1LoD ownership, ensure effective 2LoD challenge, and maintain audit readiness for 3LoD. Maintain a live operational risk register covering process, people, systems, data, third-party, and regulatory risks; refresh at defined cadence or upon material changes. Lead periodic RCSA for high-risk processes and new/changed initiatives (partners, products, APIs), documenting controls, residual risk ratings, and action plans. 6.Vendor & Cost Management Ensure cost control through an ongoing business process re-engineering projects, increased productivity, and vendors re-negotiations wherever changes are required. Analyze internal staff costing to control expenses and for better manpower planning. 7.Team Management Provide information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person. Providing guidance and direction to subordinates, including setting performance standards and monitoring performance Guide & train the team on new process and integrations to increase efficiency and output. Support team on Skill improvement wherever required. a)Qualifications Minimum: Bachelor’s degree; preferred tech background. Preferred: B.Tech/BE in Computer Science/IT/ECE or equivalent; MBA/PGDM in Operations/Finance/Analytics; or equivalent combination. b)Work Experience Minimum 7 years of experience Should have Banking & Lending operations background. Should have updated knowledge of lending process and solutions available for digital lending platforms. Exposure of Stakeholder and team management Experience in designing and maintaining the process Governance framework is additional. Sound knowledge of Operational Framework, Regulatory Requirements, and industry practices in digital lending. Strong Analytical Skills and Vendor management experience.
Group Company: DMI FINANCE PVT LTD Designation: Manager Office Location: Delhi ITO Position description: Coordinate operations, ensure timely delivery of the agreed SLAs, TATs to keep the error rate within the agreed benchmarks; Ensure error free transaction support & adherence to traditional operational & regulatory frameworks; Provide guidance to subordinates, including monitoring of performance standards & its execution Primary Responsibilities: 1.BAU Execution Execute overall disbursals TATs to reduce the error rate and keep within the agreed benchmark including 100% loan booking through digital way & timely payment. Maintain a high %Age of QA rate by adhering compliance guidelines for KYC, and other customer documents Ensure new processes to provide error free transaction support and adhere to traditional regulatory requirements required by RBI Monitor RBI/Grievance Level escalation and provide instant resolution for the improvement of customer experience with DMI. Conduct Regular review and enhanced monitoring of customer repayments instruments (NACH/Emandate) and bridge the gaps wherever required Guide & train the team on new process and integrations to increase efficiency and output 2. Operational Controls Conduct regular review and provides relevant process download to ensure team productivity. Conduct Channel Partner Portfolio review / reconciliation to ensure correct bureau reporting. Provide effective and proper client servicing, resolving queries and complaints. Formulate periodic MIS and weekly review content. Ensure policy adherence and documentation. Extend support to automate the process. Control, execute Audit and compliances Conduct regular reconciliation of disbursal made to Channel partners and customers 3.ORM Controls Establishing a live risk register with KRIs/KCIs; conducting regular RCSA and closing CAPAs on time. Third-party risk oversight: due diligence, infosec compliance, SLA monitoring, and exit/contingency planning. Strengthening incident management: rapid triage, root-cause analysis, and preventive controls for recurring issues. Enhancing BCP/DR readiness for critical journeys (onboarding, disbursal, repayments), including periodic failover tests. Prepares Channel partner NACH health report to be published to improve quality at the time of onboarding. Provide Alternate solutions including Direct Debits and E- Mandate with maximum Banks to be explored. 4.Team Management Provide guidance and direction to subordinates, including setting performance standards and monitoring performance Guide & train the team on new processes and integrations to increase efficiency and output 5.Tech Requirements Oversee API Integrations and UAT: Coordinate end-to-end API integration between DMI’s digital lending platform and partner systems, including guiding User Acceptance Testing (UAT) to ensure error-free go-live. Requirements Gathering and Solution Design: Work closely with IT/Product teams to collect partner requirements, translate business needs into technical specifications, and review solution design for feasibility and alignment. Design new processes to improve the interaction of systems from process point of view to reduce the lapses in the overall process Oversee validation of data exchanged between partners and DMI systems (such as loan files, e-mandate/KYC data), ensuring accuracy and consistency—initiate reconciliation if discrepancies arise. Collaborate with Data/BI teams to build and maintain real-time dashboards for process KPIs, partner performance, and exception monitoring. a)Qualifications Minimum: Bachelor’s degree. Preferred: B.Tech/BE in Computer Science/IT/ECE or equivalent; MBA/PGDM in Operations/Finance/Analytics; or equivalent combination. b)Work Experience Minimum 3 years of experience Should have Banking & Lending operations background Should have updated knowledge of lending process and solutions available for digital lending platform Exposure of Stakeholder and team management