Identify potential clients and generate leads through various channels. Promote and sell DMI Finance products such as personal loans, business loans, or other financial services. Meet or exceed monthly and quarterly sales targets. Build and maintain strong relationships with clients and partners. Provide accurate information about products, pricing, and services. Maintain proper documentation and records of client interactions. Collaborate with internal teams to ensure smooth customer onboarding and service delivery. Job Type: Full-time Pay: ₹10,000.00 - ₹20,000.00 per month Benefits: Cell phone reimbursement Schedule: Day shift Education: Bachelor's (Preferred) Language: English (Preferred) Hindi (Preferred) Location: Bangalore, Karnataka (Required) Work Location: In person Speak with the employer +91 7986324061

Job Purpose In this role, the incumbent will be overseeing the finance of real estate across various projects. The incumbent will play a crucial role in investor reporting, raising finance, ensuring the efficient deployment of capital and managing financial risk throughout the company. Principanl Accountabilities Financial Reporting to investors Raising finance through banks, including negotiating terms, pricing, and conditions with financial institutions and lenders. Risk Management: Evaluate project feasibility and financial viability through detailed financial analysis, market research, and risk assessment. Implement strategies to mitigate financial and operational risks associated with Real Estate. Financial Oversight: Monitor projects, project budgets, and cash flows, ensure compliance with approved financing terms and regulatory requirements. Provide on-going financial oversight and reporting to stakeholders. Relationship Management: Cultivate and maintain relationships with financial partners, lenders, and investors. Serve as the primary point of contact for financing inquiries and manage due diligence processes. Project Coordination: Collaborate with project managers, developers, and construction teams to ensure alignment of financing activities with project timelines and milestones. Facilitate effective communication and problem-solving to address financing-related issues. Compliance and Reporting: Ensure adherence to internal policies, regulatory guidelines, and industry standards related to construction lending. Prepare accurate and timely financial reports for internal and external stakeholders. Continuous Improvement: Identify opportunities for process improvements and efficiencies in Real Estate management. Implement best practices and financial controls to optimize performance and mitigate risks. Education & Experience B.Com (Hons) / CA / MBA with a Finance major. Minimum of 15 years of progressive experience in construction lending, project finance or commercial real estate finance. Strong understanding of real estate, financial modelling and risk management principles. Proven track record in negotiating complex financing transactions and managing large scale projects. Knowledge of regulatory requirements and compliance standards in real estate Excellent analytical skills with the ability to interpret financial data and make informed decisions. Strong leadership and communication skills with the ability to collaborate effectively departments and with external stakeholders. Familiarity with Investor Reporting and FEMA (ref:iimjobs.com) Show more Show less

Job Purpose The Treasury Operations Head will be responsible for managing the company's liquidity, funding strategies, risk management, and regulatory compliance within the treasury function. This role requires deep expertise in NBFC operations, regulatory frameworks, and financial markets to optimize capital efficiency and ensure sustainable growth. Principal Liquidity & Fund Management Design and implement comprehensive liquidity management strategies aligned with multi-vertical business objectives including digital lending, housing finance, MSME loans, and payment services operations. Monitor daily cash flows, liquidity positions, and funding requirements across diverse business verticals (personal loans, consumption finance, real estate lending, PPI operations). Optimize funding mix through diverse sources including bank borrowings, NCDs, CPs, bonds, and specialized financing instruments for different asset classes. Develop segment-specific funding strategies considering varying maturity profiles of digital lending vs. housing finance portfolios. Maintain optimal liquidity buffers considering seasonal variations in MSME lending and real estate financing cycles. Develop and maintain relationships with banks, financial institutions, rating agencies, and specialized lenders for different business verticals. (b) Risk Management Establish and monitor comprehensive Asset-Liability Management (ALM) framework covering diverse portfolios including digital lending, housing finance, MSME loans, and real estate financing. Implement portfolio-specific hedging strategies considering different risk profiles of secured vs. unsecured lending. Conduct stress testing and scenario analysis across various business verticals and market conditions. Monitor concentration risks across geographies, segments (personal/MSME/housing), and digital vs. traditional lending channels. Manage liquidity risks specific to PPI operations and payment services business. Ensure compliance with segment-specific regulatory guidelines and internal risk limits. (c) Regulatory Compliance Ensure adherence to RBI guidelines, FEMA regulations, and other applicable laws. Maintain regulatory ratios including Capital Adequacy, Leverage Ratio, and Liquidity Coverage Ratio. Prepare and submit regulatory returns (ALM returns, Liquidity returns, etc.) accurately and timely. Coordinate with internal and external auditors for treasury-related audits. Stay updated with regulatory changes and implement necessary policy modifications. (d) Strategic Planning & Analytics Develop annual funding plans and capital allocation strategies. Conduct cost of funds analysis and optimize funding costs. Provide insights on market trends, interest rate movements, and their impact on business. Support business units with pricing strategies and profitability analysis. Lead treasury digitization initiatives and process improvements. (e) Team Leadership & Stakeholder Management Lead and mentor a team of treasury professionals. Collaborate with senior management on strategic financial decisions. Interface with Board committees including ALCO and Risk Management Committee. Coordinate with finance, credit, operations, and compliance teams. Manage relationships with external stakeholders including bankers, investors, and rating agencies. Education, Work Experience & Skills Education CA/CFA or MBA (Finance) from premier institution Professional certifications in treasury management (FRM, PRM) preferred Experience 12-15 years of progressive experience in treasury operations with multi-vertical NBFC exposure. Minimum 8 years of experience in NBFCs with diversified lending portfolios. Experience in managing treasury for organizations with AUM of - 5,000+ crores across multiple asset classes. Proven track record in fund raising for different business verticals and debt market operations. Technical Skills Deep understanding of RBI regulations applicable to NBFCs across multiple verticals (NBFC-MFI, HFC, PPI guidelines). Expertise in ALM for diversified portfolios including secured and unsecured lending. Knowledge of regulatory frameworks for digital lending, housing finance, and payment services. Experience with segment-specific funding instruments and capital requirements. Proficiency in treasury management systems and financial modeling for multi-vertical operations. Strong knowledge of debt capital markets and various funding instruments across different asset classes. Experience with rating processes covering diversified business portfolios. Understanding of fintech operations and digital payment ecosystems. Key Performance Indicators Cost of funds optimization across different business verticals and funding diversification. Maintenance of regulatory ratios within prescribed limits for all applicable licenses. Liquidity management efficiency considering seasonal variations across lending segments. Portfolio-specific risk mitigation and ALM effectiveness. Cross-vertical funding cost optimization and capital allocation efficiency. Team development and succession planning. Multi-regulatory compliance track record (NBFC, HFC, PPI regulations). Stakeholder relationship management across diverse funding sources and business partners. (ref:iimjobs.com) Show more Show less

Incumbent will be handling Secured 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. 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 Secured & Unsecured lending portfolios that would aid in customer segmentation. Policy formulation Develop new policies for new partners. 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 & PL portfolio on a daily/weekly basis for any increase in risk (loss rates) Forecast loss for CL & PL 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 Qualifications: Minimum Qualification: Bachelor of Engineering/ Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R) Preferred Qualification: MS/ MBA (with knowledge of Statistics and Python/R) Work Experience: 3-5 years Experience in Risk Management. Experience in unsecured lending Good to have experience in secured lending Skills: R/Python, SQL , Advanced Excel including Pivot Tables Show more Show less

About DMI: 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 Description: Purpose: Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey. Accountabilities: Underwriting Policies: Working on solutions for credit underwriting basis different product constructs Closely work with Data Science team to analyse of the underwriting models prepared by them and validate the performance of the same on current portfolio Determining performance benchmarks and identify course of action in case of breach Automation of Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthiness Determining the right pricing basis segmentation Working on standardization of policies and processes. 2. Performance monitoring: Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis Periodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments. Taking actions to mitigate the risks identified based on portfolio performance Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency. Identifying technological solutions to improve existing processes and overall portfolio management functions Analysis of various MIS to monitor portfolio performance and risk. 3. New Partner Integrations Understanding the product being offered by the new channel partner and the segment being catered to. Understanding the journey, identifying the set of information available with the channel partner and requisitioning the set of data to be provided at time of application Creation of policy basis the product, information available and prevailing models Facilitate data room exercise for new segment of customers Formulation of policy keeping the expected loss rates in consideration Monitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any 4. Relationship Management: - Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the company Qualifications: Minimum Qualification required: Postgraduate in Finance/Statistics/Management from A institutes Qualifications preferred: BTech with MBA Skills & Knowledge: Work Experience Minimum 7 years with 3 – 4 years in risk management and policy creation Should have a fair understanding of risk performance Should have a very good communication skill. Superior Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Legal, Technology, Operations, Collections, Customer Success team and external stakeholders. Hands-on experience to work on large structured and unstructured datasets using different data processing and statistical tools is must Data driven, Analytical approach, Team Player Main Skills: - Applicant should be Proficient in - Data Analytics Model Validation Policy Formulation Portfolio Management Stake Holder Management Technical Skills: - Demonstrated Experience in R/Python (preferred), SQL (MANDATORY), Advanced Excel etc. Show more Show less

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. PRINCIPAL 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 Educational 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 Show more Show less

Job Summary: 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.\ Key Responsibilities: 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. Key Requirements: 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. Preferred Qualifications: Bachelor's or Master's degree in Statistics, Economics, Engineering, Finance, or a related field Familiarity with visualization tools (e.g., Power BI, Tableau) is a plus.

Job Purpose: Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey. Accountabilities: Underwriting Policies: Working on solutions for credit underwriting basis different product constructs Closely work with Data Science team to analyse of the underwriting models prepared by them and validate the performance of the same on current portfolio Determining performance benchmarks and identify course of action in case of breach Automation of Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthiness Determining the right pricing basis segmentation Working on standardization of policies and processes. 2. Performance monitoring: Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis Periodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments. Taking actions to mitigate the risks identified based on portfolio performance Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency. Identifying technological solutions to improve existing processes and overall portfolio management functions Analysis of various MIS to monitor portfolio performance and risk. 3. New Partner Integrations Understanding the product being offered by the new channel partner and the segment being catered to. Understanding the journey, identifying the set of information available with the channel partner and requisitioning the set of data to be provided at time of application Creation of policy basis the product, information available and prevailing models Facilitate data room exercise for new segment of customers Formulation of policy keeping the expected loss rates in consideration Monitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any 4. Relationship Management: - Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the company Education Qualification: Minimum Qualification required: Postgraduate in Finance/Statistics/Management from A institutes Qualifications preferred: BTech with MBA Work Experience: Minimum 7 years with 3 – 4 years in risk management and policy creation Should have a fair understanding of risk performance Should have a very good communication skill. Superior Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Legal, Technology, Operations, Collections, Customer Success team and external stakeholders. Hands-on experience to work on large structured and unstructured datasets using different data processing and statistical tools is must Data driven, Analytical approach, Team Player Main Skills: - Applicant should be Proficient in - Data Analytics Model Validation Policy Formulation Portfolio Management Stake Holder Management Technical Skills: - Demonstrated Experience in R/Python, SQL, Advanced Excel etc.

Job Role: Analyst – Consumer Credit Company: DMI Finance Team: Consumer Credit Location: ITO, New Delhi Reporting to: Manager – Data Analytics About DMI Finance DMI Finance is a leading diversified financial services company in India, providing innovative credit solutions to individuals and businesses. With a strong focus on digital-first lending and leveraging cutting-edge technology, DMI is at the forefront of transforming credit delivery in the Indian market. The company partners with top-tier institutions and fintechs to provide accessible, efficient, and customer-centric financial products. Role Overview We are looking for a motivated Analyst to join our Consumer Credit team. The role involves working on the development, maintenance, and enhancement of Python-based utilities and scripts for generating loan offers based on bureau data. The candidate will also contribute to building and deploying APIs that serve as critical interfaces between our credit systems and external/internal stakeholders. This is an exciting opportunity for individuals passionate about coding, data, and financial technology, with a focus on delivering impactful solutions at scale. Key Responsibilities • Design, maintain, and optimize utilities comprising multiple Python scripts that process bureau data and generate customized loan offers. • Develop, test, and deploy robust APIs to facilitate data flow and integrations across systems. • Handle and manipulate large datasets efficiently using Python and analytics libraries. • Collaborate with credit risk, analytics, and product teams to enhance existing tools and develop new capabilities. • Ensure high-quality, well-documented, and scalable code that meets business and regulatory requirements. Skills & Qualifications Must-have: • Strong knowledge of Python programming , including data structures, algorithms, and OOPs concepts. • Proficiency in data analytics and processing libraries such as NumPy, Pandas, and handling JSON data. • Hands-on experience in API development and deployment. Good-to-have : • Working knowledge of SQL for querying and managing relational databases. • Proficiency in Excel for quick analysis and reporting. • Familiarity with Conda environment management. Additional Information • This is a full-time, work-from-office role (5 days a week) at our ITO, New Delhi office. • Candidates based in Delhi NCR will be preferred . If you are a problem-solver with a passion for technology and data-driven decision-making, we encourage you to apply and be part of our dynamic team!

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. Accountabilities: 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: 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: Partner with the F&A and Business teams to successfully manage Business P&L, Budgeting, Forecasting, optimizing/monitoring costs and income across partners and products Principal Accountabilities: 1. Financial Modelling, MIS, and Analysis of P&L Monthly review and variance analysis of the P&L to ensure the correctness and completeness of all income and costs items. Monthly review and analysis of various cost line items, explore opportunities to drive cost efficiency. Preparation of monthly MIS for the business unit to help senior management take tactical and strategic business decisions. Developing financial models and providing financial forecasts Analyzing and comparing current and past financial data and communicate insights. 2. Budgeting Own the divisions budgeting, forecasting, and financial planning processes, annual operating plans, rolling financial forecasts, monthly P&L estimates, annual budgets. Ensure budgeting is done as per the overall business goals. Automation of planning files to ensure minimal time on preparation and maximum on analysis. 3. Process Improvement Conduct meetings with all internal stakeholders to evaluate the requirements to improve the existing process. Develop the new process or improve the existing process with respect to new business requirements. 4. Partner Commercials Analysis Ensure new Partner and product commercials are in line with Profitability objectives. Review and suggest amends to existing partner arrangement. Educational Qualifications Qualifications Minimum Qualification required: Chartered Accountant and MBA from Tier I-2college Work Experience Minimum: Freshers, 1 year of experience Clear understanding of accounting concepts. Expertise in MS Excel and MS PowerPoint Should be well versed with accounting software like NAV, SAP, Oracle, Tally etc. Excellent analytical and communication skills

6 month internship The primary reason for establishing this project is to enhance our product design capabilities and accelerate product development through dedicated support. Key internal stakeholders include the digital platform product team, engineering team, and marketing department. External stakeholders may include potential customers providing feedback and partners involved in product integration or market analysis. Objective: The goal of this project is to secure an intern who can significantly contribute to product design initiatives, conduct thorough product research, and provide versatile support for various product related day-to-day. Key Activities: Assisting in product design conceptualization and iteration. Conducting market research to identify trends and customer needs. Assisting in the creation and refinement of product roadmaps Participating in product launch activities. Collecting and analysing customer feedback. Collaborating with cross-functional teams (e.g., engineering, marketing) to ensure product success Performing product testing and quality assurance tasks. Target Outcomes: Enhanced Product Design Contributions: Measured by the number of design iterations supported and successful integration of design feedback. Improved Product Research Insights: Measured by the number of market research reports generated and data-driven recommendations incorporated into product decisions.