About Us: Efficient Capital Labs (ECL) Location: India – Bangalore - Hybrid Job Type: Full-time About Us: Efficient Capital Labs (ECL) is a VC backed, innovative fintech company headquartered in the US with a subsidiary in Bangalore, India. At ECL, our vision is to enable border agnostic access to capital for businesses in emerging markets, such as India, so that they can benefit from lower capital costs that are available in markets such as the U.S. Our mission is to innovate for businesses and solve two of their biggest challenges: access to capital and cost of capital. We offer non-dilutive capital of up to US$2.5M for a fixed annual fee, with a 12-month repayment term. We serve our customers in a fast, seamless and cost-effective manner that does not require them to spend months of time and thousands of dollars in negotiating complex equity raises through preferred stock issuance. Job Summary: We are seeking a detail-oriented and analytical professional to join our team as an Analyst. In this role, you will be responsible for reviewing and interpreting bank statements to assess financial health, identify patterns, detect irregularities, and contribute to credit and risk decision-making. And accurately extracting, interpreting, and inputting financial data from customer-provided documents into internal credit models and systems. You will work closely with underwriting, data science, and product teams to improve automation and accuracy in financial evaluations. Key Responsibilities: Banking : Analyze customer bank statements to extract and validate key financial metrics such as income, expenses, cash flow, overdrafts, and transaction trends. • Identify financial risks, anomalies, and inconsistencies that may impact lending or credit decisions. • Collaborate with underwriting teams to assess borrower eligibility and creditworthiness. • Use bank statement parsing tools and financial data platforms (e.g., Plaid, Teller) to streamline analysis. • Document findings clearly and maintain accurate records in compliance with regulatory requirements. • Support the automation of financial data extraction and contribute to the refinement of underwriting models. • Work with product and engineering teams to enhance the accuracy and usability of bank statement analysis tools. Assist in fraud detection by identifying suspicious or manipulated financial documents Financial : Spread financial statements (Income Statement, Balance Sheet, and Cash Flow) from borrower-provided documents into internal systems and models. • Normalize data across varying formats including tax returns, bank statements, audited and unaudited financials. • Review and validate financial ratios, trends, and performance indicators used in credit assessments. • Collaborate with credit analysts and underwriters to ensure accurate inputs for risk models. • Maintain financial spreading templates and assist in continuous improvement of processes and tools. • Identify discrepancies or red flags in financial data and escalate appropriately. • Ensure compliance with internal policies, regulatory standards, and data privacy requirements. Requirements : Bachelor’s degree/MBA. • Fresher or experience in financial analysis, underwriting, or a similar role in Fintech, banking, or lending. • Strong understanding of financial statements and transactional data. • Familiarity with digital bank statement formats and aggregation tools (e.g., Plaid, Teller etc). • Proficiency in Microsoft Excel or Google Sheets; experience with SQL or Python is a plus. • Strong analytical and critical thinking skills with attention to detail. • Excellent written and verbal communication skills. Nice to Have: • Prior experience in small business lending, personal finance platforms, or digital banking. • Exposure to machine learning or AI-based financial document analysis tools. • Knowledge of US financial regulations, lending standards, and consumer protection policies. What We Offer: Competitive salary and benefits package Opportunity to work with a talented team of professionals Collaborative and dynamic work environment - Professional growth and development opportunities How to Apply: If you're a motivated and experienced technical leader looking for a new challenge, please submit your resume and cover letter to nithanth@ecaplabs.com Show more Show less
Efficient Capital Labs (ECL) is a VC backed, innovative fintech company headquartered in the US with a subsidiary in Bangalore, India. At ECL , our vision is to enable border agnostic access to capital for businesses in emerging markets, such as India, so that they can benefit from lower capital costs that are available in markets such as the U.S. Our mission is to innovate for businesses and solve two of their biggest challenges: access to capital and cost of capital. We offer non-dilutive capital of up to US$2.5M for a fixed annual fee, with a 12-month repayment term. We serve our customers in a fast, seamless and cost-effective manner that does not require them to spend months of time and thousands of dollars in negotiating complex equity raises through preferred stock issuance. Job Summary: We are looking for strong Full-stack engineer to join our team and help us build innovative, web applications and cloud services that deliver the power of generative AI to our customers. Key Responsibilities: Own the delivery of key product and technology initiatives across design, specification, development, testing and launch. Delivery high-quality software that can be easily read and leveraged by others. Collaborate with designers, product managers, marketing and other engineers. Investigate, prototype, and deliver innovative solutions throughout the stack Define and drive adoption of best practices for building modern web applications and cloud services. Requirements: Total Experience: 2 to 4 years of software development experience with development in web technology with hands-on coding, execution of complex projects, and extensive use of AWS services. Proficiency in modern web technologies (e.g., JavaScript, HTML5, CSS3, ReactJs and Python) Experience with backend technologies (e.g., RESTful APIs, database management). Demonstrated ability to monitor and manage large-scale projects from inception to completion. Problem solving and communication skills: Proven problem-solving skills with a track record of addressing both technical and non-technical issues effectively to meet target deadlines. Comprehensive understanding of end-to-end web development, hosting, and DevOps practices. Excellent communication skills, capable of clearly articulating technical concepts to non- technical stakeholders. Full Stack and Microservices Experience: Extensive experience as a full stack engineer with exposure to microservice architecture. Proven ability in working with APIs and overseeing the complete end-to-end development and deployment process. Nice to Have: Experience with agile development methodologies Knowledge of cloud-based technologies Familiarity with DevOps practices What We Offer: Competitive salary and benefits package Opportunity to work with a talented team of professionals Collaborative and dynamic work environment Professional growth and development opportunities How to Apply: If you are a motivated and experienced technical leader looking for a new challenge, please submit your resume and cover letter to [HIDDEN TEXT] Show more Show less
As an Analyst at our company, you will play a crucial role in reviewing and interpreting bank statements to evaluate financial health, detect irregularities, and contribute to credit and risk decision-making. Your responsibilities will include extracting and inputting financial data accurately, collaborating with various teams to enhance automation and accuracy, and identifying financial risks and anomalies. Your attention to detail and analytical skills will be key in this role. Key Responsibilities: - Analyze customer bank statements to extract key financial metrics and identify financial risks and inconsistencies - Collaborate with underwriting teams to assess borrower eligibility and creditworthiness - Utilize bank statement parsing tools and financial data platforms to streamline analysis - Spread financial statements from borrower-provided documents into internal systems and models - Review and validate financial ratios, trends, and performance indicators for credit assessments - Maintain financial spreading templates and ensure compliance with internal policies and regulatory standards Requirements: - Bachelor's degree/MBA in a relevant field - Strong understanding of financial statements and transactional data - Proficiency in Microsoft Excel or Google Sheets; experience with SQL or Python is a plus - Excellent analytical, critical thinking, and communication skills - Prior experience in financial analysis, underwriting, or Fintech is preferred Nice to Have: - Experience in small business lending, personal finance platforms, or digital banking - Exposure to machine learning or AI-based financial document analysis tools - Knowledge of US financial regulations and lending standards What We Offer: - Competitive salary and benefits package - Opportunity to work with a talented team of professionals - Collaborative and dynamic work environment with professional growth opportunities If you are a motivated professional with experience in financial analysis and underwriting, we encourage you to apply by submitting your resume and cover letter to nithanth@ecaplabs.com. Join us to be part of a team dedicated to enhancing financial evaluations and risk assessments.,