Job Title: Lead - Frontend Web Developer Experience: 4+ Years Location: Pune About Us: InCred Money was launched in May 2023 with the acquisition of Orowealth, one of the pioneers of the digital wealth ecosystem and a leading investment platform with an AuM of 1,150+ Cr. Under the InCred fold, InCred Money will have significant competitive advantages with access to a deep network of issuers and industry leading credit & risk assessment capabilities. In addition to its fintech capabilities, InCred Money will also have the added advantage of the support of a large financial services organization. This will greatly help in the journey of making alternate assets easy, trustworthy, and lucrative for the end investor. Job Description: We are looking for an experienced Frontend Web Developer with strong expertise in React, React Native, Next.js, and UI/UX design. The ideal candidate will have a solid foundation in front-end technologies, a keen eye for user-centric design, ability to collaborate with cross-functional teams to deliver high-quality web applications that provide an exceptional user experience and handle team of developers. Key Responsibilities: Cross-Platform Development: Develop and maintain web applications using React and Next.js, based on technical specifications, ensuring compatibility across different browsers and devices. UI/UX Design: Implement user-centric interfaces that are visually appealing, responsive, and intuitive, with a focus on enhancing the overall user experience. API Integration: Work closely with the backend team to understand and consume RESTful APIs as per the requirements of the project. Design & Technical Decision-Making: Make informed design and technical decisions to optimize React and Next.js projects for performance, scalability, and maintainability. Code Development & Testing: Write clean, maintainable application code and unit tests to ensure the robustness and reliability of the application. Version Management: Manage multiple application releases and ensure a seamless, frictionless process for version upgrades. Collaboration & Communication: Effectively communicate with team members, stakeholders, and other departments to ensure alignment on project goals and deliverables. Qualifications: Education: BE/BTech/ME/MTech in Computer Engineering from a reputed college. Experience: At least 6+ years of experience in React and Next.js web development with a strong focus on UI/UX design. Team Handling experience. Technical Skills: Strong expertise in React, Next.js, JavaScript, HTML, and CSS.Proficiency in writing cross-browser compatible code and implementing responsive designs.Experience with RESTful Web Services and API consumption.Familiarity with testing frameworks and version control systems, particularly Git. UI/UX Skills: A strong portfolio showcasing UI/UX design skills, with the ability to create visually appealing and user-friendly interfaces. Communication Skills: Strong oral and written communication skills, with the ability to effectively convey technical concepts to both technical and non-technical stakeholders.

Job Title: Senior DevOps Engineer Work Experience: 6 + years Location: Pune About Us: InCred Money was launched in May 2023 with the acquisition of Orowealth, one of the pioneers of the digital wealth ecosystem and a leading investment platform with an AuM of 1,150+ Cr. Under the InCred fold, InCred Money will have significant competitive advantages with access to a deep network of issuers and industry leading credit & risk assessment capabilities. In addition to its fintech capabilities, InCred Money will also have the added advantage of the support of a large financial services organization. This will greatly help in the journey of making alternate assets easy, trustworthy, and lucrative for the end investor. Job Description: We are seeking a skilled and experienced DevOps Engineer to join our dynamic team. With 6+ years of experience in the field, the ideal candidate will be responsible for automating and optimizing our operations and processes, building and maintaining tools for deployment, monitoring, and operations. They will also troubleshoot and resolve issues in our dev, test, and production environments. The role demands a proactive individual who can work collaboratively with software development teams to enable continuous integration, continuous delivery, and ensure high availability and reliability of our applications. Responsibilities: Design, develop, and implement software integrations based on user feedback. Implement automation tools and frameworks (CI/CD pipelines). Collaborate with team members to improve the companys engineering tools, systems and procedures, and data security. Conduct systems tests for security, performance, and availability. Develop and maintain design and troubleshooting documentation. Participate in the processes of strategic project-planning meetings. Provide guidance and expertise on system options, risk, impact, and costs vs. benefits. Create and maintain detailed documentation of configurations and processes. Engage in and improve the whole lifecycle of servicesfrom inception and design, through deployment, operation, and refinement. Support services before they go live through activities such as system design consulting, developing software platforms and frameworks, capacity planning, and launch reviews. Maintain services once they are live by measuring and monitoring availability, latency, and overall system health. Qualifications: Bachelors degree in computer science, engineering, or relevant field. 6+ years of experience as a DevOps Engineer or equivalent software-engineering role. Expert in code deployment tools like (Argo CD, Puppet, Ansible, and Chef). Experience in network, server, and application-status monitoring. Strong command of software-automation production systems (Jenkins and Selenium). Expertise in software development methodologies. Working knowledge of JavaScript and known DevOps tools like Git and GitHub. Working knowledge of databases and SQL. Problem-solving attitude. Collaborative team spirit.

Job Title: Back End Developer Location: Pune Work Experience: 3 - 7 years About Us: InCred Money was launched in May 2023 with the acquisition of Orowealth, one of the pioneers of the digital wealth ecosystem and a leading investment platform with an AuM of 1,150+ Cr. Under the InCred fold, InCred Money will have significant competitive advantages with access to a deep network of issuers and industry leading credit & risk assessment capabilities. In addition to its fintech capabilities, InCred Money will also have the added advantage of the support of a large financial services organization. This will greatly help in the journey of making alternate assets easy, trustworthy, and lucrative for the end investor. About the Job: We are looking for a talented and experienced Node.js backend application developer to join our team. The ideal candidate will have 3-7 years of experience developing and maintaining Node.js backend applications, and experience with TypeScript and Nest.js is a plus. Responsibilities: Develop and maintain Node.js backend applications Design and implement RESTful APIs Work with relational and non-relational databases. Write clean, efficient, and maintainable code Collaborate with cross-functional teams to develop and implement new features. Participate in code reviews and provide feedback to other developers Deploy and maintain applications in production environments Qualifications: 3 - 7 years of experience developing and maintaining Node.js backend applications Strong proficiency in JavaScript and TypeScript Experience with RESTful APIs, MONGODB, relational and non-relational databases, and containerization technologies Good understanding of software development principles and practices, including Agile and Scrum methodologies Excellent problem-solving and analytical skills Strong communication and collaboration skills Bonus Qualifications: Experience with Nest.js Experience with AWS or Azure cloud computing platforms Experience with continuous integration and continuous delivery (CI/CD) pipelines

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Location: Pune Experience Required: 5-7 years Company: Incred Money (www.incredmoney.com) Industry: Fintech / Financial Services About IncredMoney.com IncredMoney.com is a fast-growing digital wealth and investment platform empowering users with smart, simplified financial tools. We are passionate about financial inclusion, investor transparency, and secure digital experiences. As we scale, security remains central to our missionand thats where you come in. Role Summary We are looking for a dynamic and hands-on Senior Infosec Engineer who will be responsible for leading and implementing our information security and cyber-risk strategy. The ideal candidate will have strong experience in fintech or financial services, knowledge of regulatory frameworks (like RBI, SEBI), and the ability to build secure digital systems while enabling growth and innovation. Key Responsibilities Own and lead the company’s overall information security strategy. Build and implement policies, procedures, and controls aligned with industry best practices (e.g., ISO 27001, NIST, OWASP). Perform risk assessments, security audits, and regular vulnerability assessments of applications and infrastructure. Collaborate with engineering, DevOps, and product teams to embed security into the SDLC. Oversee data protection strategies (encryption, backups, data access) and ensure regulatory compliance (e.g., RBI, SEBI, GDPR, PCI-DSS if applicable). Manage internal and external security audits and ensure remediation of findings. Lead incident response planning and execution, including root cause analysis and post-mortem reviews. Evaluate and onboard security tools (e.g., SIEM, WAF, DLP, endpoint security). Build a security-first culture through training and awareness programs across teams. Serve as the primary point of contact for security with partners, auditors, and regulators. Key Requirements 4–7 years of progressive experience in Information Security, with at least 2 years in a leadership or ownership role. Strong understanding of cloud security (AWS preferred), web/mobile application security, and data privacy. Hands-on experience with firewalls, VPNs, intrusion detection/prevention systems, and endpoint protection tools. Familiarity with regulatory and compliance frameworks (especially RBI/SEBI guidelines for fintech). Bachelor’s or Master’s degree in Computer Science, Information Security, or related field. Industry certifications like CISSP, CISM, CEH, or ISO 27001 LA are a strong plus. Excellent communication and stakeholder management skills. Preferred Skills Prior experience in fintech, wealth-tech, or BFSI domain. Experience leading security in a startup or early-stage company. Knowledge of DevSecOps practices and CI/CD pipeline security.

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Key Responsibilities: Make outbound calls to customers with overdue personal, business, or consumer loans. Coordinate customers about their pending EMIs and payment due dates. Maintain a polite and professional attitude while handling customer queries. Record call details and payment commitments accurately in the system. Escalate unresolved issues to the senior team as needed. Achieve daily/weekly/monthly collection targets. Provide regular updates and feedback to the team lead. Follow company policies and comply with all regulatory requirements. Key Requirements: HSC or Graduate in any stream. 0-2 years of experience in telecalling, customer service, or collections preferred. Excellent verbal communication skills in English and [other local/regional languages]. Basic computer skills (MS Office, CRM systems). Strong listening, negotiation, and persuasion skills. Preferred Skills: Fluency in multiple languages (e.g., Hindi, English, Tamil, Telugu, etc.). Prior experience in BPO, financial services, or recovery processes is a plus.

Role & responsibilities Building & managing the team - optimizing team productivity and achieving team results. Sourcing business through open market and through different channels. Fulfilling the leads. Implement & develop sales activities to achieve target. Executing all the Sales planning and overseeing target allocation. Delivering the KRAs Effective coordination of business development & promotional activities across the alloted locations Ensure implementation of product policy and coordination with Credit, Legal, Product team, Central operations to manage customer journey from sourcing to disbursement. Process & regulatory compliance Sales force effectiveness program to build and drive best in class sales force with high productivity Preferred candidate profile Graduate with minimum of 12-15 years of relevant Mortgage experience. Understanding of local Market Ability to strategize the most optimum method to achieve business objectives for the geography Hiring, training and nurturing of an effective sales team Understanding of end-to-end processes related to customer interface

Identify and pursue new business opportunities in the assigned territory Build and maintain a strong pipeline of potential customers Conduct sales presentations and product demonstrations Negotiate contracts and close deals Collaborate with the sales team to achieve sales targets Provide excellent customer service and address customer concerns Stay up to date with industry trends and competitors' products

Job Description Title: Relationship Manager Location: Mumbai Work Experience: 4+ years of experience Company Overview InCred Value Plus is the most recent venture from the InCred Group, established to redefine the landscape of financial services. With a focus on providing a comprehensive suite of financial products, Value Plus offers an array of options, including Mutual Funds, PMS, AIF, listed and unlisted bonds, Market linked debentures (MLDs), and unlisted equities. Role Overview The Relationship Manager position at InCred Value Plus offers an exciting opportunity to play a crucial role in building and maintaining strong relationships with clients. As a Relationship Manager, you will be responsible for cultivating partnerships with Independent Financial Advisors (IFAs) and guiding them through the intricate world of Mutual Fund Distribution (MFD) and other financial products distribution. Responsibilities - Develop and maintain strong relationships with IFAs, ensuring a deep understanding of their investment needs and preferences. - Provide comprehensive product knowledge and guidance on InCred Value Plus's portfolio offerings, ensuring IFAs are well-equipped to make informed decisions for their clients. - Conduct regular training sessions and seminars for IFAs to enhance their understanding of market trends and investment strategies. - Collaborate with IFAs to identify new business opportunities and cross-sell additional financial products. - Monitor and track the performance of InCred Value Plus's financial products, providing valuable insights to IFAs to help them optimise their investment portfolios. - Act as the primary point of contact for IFAs, handling any queries or concerns they may have. - Stay updated with the latest industry trends and regulations related to investment products, ensuring compliance requirements are met. - Provide excellent customer service to IFAs and their clients, ensuring a positive experience throughout their investment journey. - Collaborate with the marketing, sales, and product development teams to develop and execute strategies to drive business growth. Qualifications - Bachelor's degree in finance, business, or a related field. - Proven experience in a similar role in financial services, preferably with experience managing relationships with IFAs. - In-depth knowledge of mutual funds, PMS, AIF, listed and unlisted bonds, MLDs, and unlisted equities. - Excellent communication and interpersonal skills, with the ability to build rapport and credibility with stakeholders. - Strong analytical and problem-solving skills, with the ability to analyse market trends and make data-driven decisions. - Proficient in Microsoft Office Suite and comfortable working with CRM software. - Ability to work independently and as part of a team. - Demonstrated passion for financial services and a commitment to delivering exceptional results.

Job Title: Sales Apprenticeship Location: Kurnool, Andhra Pradesh Employment Type: Apprenticeship Overview: It is designed to provide aspiring professionals with hands-on experience and mentorship in a dynamic sales environment. What We Offer: Hands-On Experience: Work directly with experienced sales professionals to gain practical, real-world experience. Mentorship: Receive personalized guidance from mentors dedicated to your growth and development. Skill Development: Participate in specialized sales training sessions and workshops to build essential skills. Networking Opportunities: Connect with industry professionals and expand your professional network. Who We Are Looking For: Motivated individuals eager to learn and grow in sales. Initiative and willingness to learn new concepts and techniques and to travel. Eligibility: Recent graduates in any streams, Must be available for the full duration of the apprenticeship program. How to Apply: Interested candidates are invited to share their resumes at namrata.gupta@incred.com

Internship highlights BA/B.Com/M.Com/MBA in Sales & Marketing Engage in B2B sales, lead generation, client onboarding, and compliance management Stipend of 11,000/- per month with potential integration into the organization after apprenticeship Program Overview: Program: Apprenticeship Program Duration: 1 year Qualification: BA/B.Com/M.Com/MBA - Sales & Marketing Location: Hisar, Kaithal, Delhi Stipend 11,000/- per month Depending on your performance, you may be integrated into the organization after successful complition of apprenticeship program and assessment. Learning Journey B2B Sales (Lead generation, Engagement, Presentation, Objection handling & Closer) Effective Communication Client support, Service and handholding Complience management Grievance Management Data Management and analysis Performance evaluation Feedback mail your credentials: navneet.kaur@temp.incred.com

Job Title: Sales Coordinator Trainee(Apprenticeship) Location: Bangalore, Karnataka Employment Type: Apprenticeship Overview: It is designed to provide aspiring professionals with hands-on experience and mentorship in dynamic environment . What We Offer: Hands-On Experience: Work directly with experienced professionals to gain practical, real-world experience. Mentorship: Receive personalized guidance from mentors dedicated to your growth and development. Skill Development: Participate in specialized sales training sessions and workshops to build essential skills. Networking Opportunities: Connect with industry professionals and expand your professional network. Who We Are Looking For: Motivated individuals eager to learn and grow in sales. Initiative and willingness to learn new concepts and techniques and to travel. Eligibility: Recent graduates in any streams, Must be available for the full duration of the apprenticeship program. How to Apply: Interested candidates are invited to share their resumes at namrata.gupta@incred.com

Role & responsibilities Reach out to applicants and co-applicants whose Education Loan EMIs are scheduled to begin. Clearly explain the EMI structure, including the difference between current instalment types (e.g., simple interest, partial interest) and full EMI schedules. Address borrower queries and provide clarity on repayment expectations and timelines. Handle requests for EMI deferrals from customers unable to commence payments due to valid reasons. Process deferral cases in line with RBI, IBA guidelines, and internal policy frameworks. Ensure proper documentation and approval flow for each case Regular follow-ups and communication via phone and email with borrowers regarding EMI status, deferrals, and repayment reminders. Maintain a professional, empathetic tone in all customer interactions to ensure a positive borrower experience Execute planned call-outs to assigned customer portfolios for EMI tracking and coordination. Prior telecalling or customer service experience will be considered a strong advantage Prepare and manage daily, weekly, and monthly MIS reports related to EMI collections, deferral status, and customer responses. Ensure accuracy and timely submission of reports to internal stakeholders. Liaise with internal departments such as Credit, Collections, Legal, and Customer Service to ensure smooth operations and resolution of customer concerns. Support process improvement initiatives and contribute to operational excellence. Preferred candidate profile The ideal candidate should have 2-4 years of experience in loan operations or customer service, preferably within the financial services or NBFC sector. Strong communication skills, comfort with telecalling, and a good understanding of EMI structures and deferral processes are essential. Proficiency in MIS reporting and cross-functional coordination will be an added advantage.

Job Description: Assistant Manager HRMS Position Overview We are seeking a detail-oriented and tech-savvy to support the implementation, maintenance, and optimization of our Human Resource Management System. The ideal candidate will bridge the gap between HR operations and technology, ensuring seamless HR processes through effective system management. Key Responsibilities A) HRMS Administration: Manage day-to-day operations of the HRMS platform (e.g., Darwin Box, Turbo Hire,(etc), Ensure data accuracy, integrity, and security across all HR modules Monitor system performance and troubleshoot issues promptly Process Automation & Optimization B) Process Automation & Optimization dentify opportunities to automate HR workflows and improve efficiency Collaborate with HR and IT teams to implement system enhancements and upgrades Maintain documentation for HRMS processes and configurations C) Reporting & Analytics Generate and analyze HR reports and dashboards for management insights Support HR audits and compliance reporting through accurate data retrieval D) User Support & Training Provide first-level support to HRMS users and resolve queries Conduct training sessions and create user manuals for HR and employee self-service modules E) Project Management Assist in HRMS-related projects including new module rollouts, integrations, and migrations Coordinate with vendors and consultants for system customization and support. Qualifications & Experience Bachelors degree, Human Resource / Information Technology, or related field (MBA/PGDM preferred) Preferred Candidate Specification : 3-5 years of experience in HRMS administration or HR technology roles Hands-on experience with HRMS platforms (preferred experience in Darwin box will be an added advantage) Strong understanding of HR processes (recruitment, onboarding, payroll, performance management, etc.) Proficiency in Excel, data analysis, and report generation

Role & responsibilities Regulatory Compliance (RBI & IRDAI): Ensure ongoing adherence to all applicable RBI NBFC and IRDAI regulatory guidelines. Review and monitor timely and accurate filing of periodic returns and reports as per RBI regulations. Handle timely submission of ad hoc regulatory data requests and maintain liaison with RBI officials for compliance-related matters. Keep the company website and disclosures updated in line with regulatory requirements. KYC/AML & PMLA Compliance: Ensure compliance with KYC norms and PMLA regulations across customer onboarding and ongoing monitoring. Support the implementation and oversight of KYC and AML software systems. Conduct ML/TF (Money Laundering/Terror Financing) risk assessments and support suspicious transaction reviews. Inspection & Audit Coordination: Lead and manage regulatory inspections, particularly by the RBI, and ensure timely and accurate responses to queries. Liaise with internal auditors and statutory auditors on compliance matters and provide necessary data support. Ensure timely closure of audit observations and implementation of recommended actions. Policy, Process & Product Oversight: Review and update regulatory policies and compliance SOPs in line with legal and business requirements. Oversee compliance across all business products to ensure alignment with RBI norms. Review and vet loan documentation, customer-facing templates, and related legal documents from a compliance standpoint. Ensure branch-level compliance is maintained uniformly across locations. Compliance Monitoring & Testing: Conduct periodic compliance testing and monitoring to evaluate adherence to internal and regulatory controls. Continuously assess and enhance internal control mechanisms and streamline compliance processes. Maintain a robust compliance risk framework, including timely reviews of the business model for emerging regulatory risks. Preferred candidate profile The ideal candidate should be a qualified CA, MBA, or CS with a strong understanding of RBI and IRDAI regulatory frameworks. Prior experience in compliance roles within NBFCs or financial institutions is required.

Role & responsibilities Assist the team in raising funds from banks, mutual funds, financial institutions, insurance companies, and corporates through the issuance of various financial instruments. Prepare Credit Approval Memos (CAM) and maintain up-to-date treasury dockets. Address and resolve queries from potential lenders to ensure their satisfaction. Manage daily cash flows to guarantee the availability of funds for disbursements across business units. Maintain accurate daily cash flow statements. Oversee the investment of surplus funds and manage fund transfers between accounts. Handle post-sanction requirements by managing pre-disbursement and post-disbursement conditions set by lenders. Coordinate with internal departments to ensure timely completion of documentation. Prepare and maintain a covenant tracker to monitor compliance. Liaise effectively with internal stakeholders to support treasury operations. Engage with external stakeholders including credit agencies and auditors. Coordinate with auditors to ensure timely completion of audits. Communicate regularly with banks to confirm receipt of interest payments and periodic reports. Fulfill various information and certification requirements requested by banks. Monitor developments in the Indian banking and NBFC sectors to stay updated on industry trends. Preferred candidate profile MBA (Finance), or equivalent qualification with a strong understanding of financial markets, instruments, and treasury operations. 24 years of relevant experience in treasury front office roles within NBFCs, banks, or financial institutions, with hands-on exposure to fundraising, liquidity management, or investment activities. Strong analytical and communication skills, proficiency in Excel and financial modeling, and the ability to work under tight deadlines in a fast-paced environment.

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Job Title: Full Stack Developer (Immediate Joiner) Experience: 4+ Years Location: Pune About Us: InCred Money was launched in May 2023 with the acquisition of Orowealth, one of the pioneers of the digital wealth ecosystem and a leading investment platform with an AuM of 1,150+ Cr. Under the InCred fold, InCred Money will have significant competitive advantages with access to a deep network of issuers and industry leading credit & risk assessment capabilities. In addition to its fintech capabilities, InCred Money will also have the added advantage of the support of a large financial services organization. This will greatly help in the journey of making alternate assets easy, trustworthy, and lucrative for the end investor. Key responsibilities: Play an important role in design/development of next-gen financial products/platforms Explore wide-range of new generation web technologies Responsible for complete software development cycle. Gather requirements and convert them into specifications. Write, debug, and deploy code to production; deliver timely fixes Responsible for ensuring timely and quality delivery Qualifications: 4+ years of experience. Angular, JavaScript is a plus. Hands on experience in backend technologies, React js/MERN preferred. Development experience in defining, developing and maintaining RESTful API. Good problem solving skills using data structures and algorithms. Experience in version control software like Git or SVN. Familiarity with Linux. Effective in oral and written communication. BE/BTech/ MTech in computer engineering are preferred.

Job Title: Frontend App Developer Experience: 4+ Years Location: Pune About Us: InCred Money was launched in May 2023 with the acquisition of Orowealth, one of the pioneers of the digital wealth ecosystem and a leading investment platform with an AuM of 1,150+ Cr. Under the InCred fold, InCred Money will have significant competitive advantages with access to a deep network of issuers and industry leading credit & risk assessment capabilities. In addition to its fintech capabilities, InCred Money will also have the added advantage of the support of a large financial services organization. This will greatly help in the journey of making alternate assets easy, trustworthy, and lucrative for the end investor. Job Description: We are looking for an experienced Frontend Web Developer with strong expertise in React, React Native, Next.js, and UI/UX design. The ideal candidate will have a solid foundation in front-end technologies, a keen eye for user-centric design, and the ability to collaborate with cross-functional teams to deliver high-quality web applications that provide an exceptional user experience. Key Responsibilities: Cross-Platform Development: Develop and maintain web applications using React and Next.js, based on technical specifications, ensuring compatibility across different browsers and devices. UI/UX Design: Implement user-centric interfaces that are visually appealing, responsive, and intuitive, with a focus on enhancing the overall user experience. API Integration: Work closely with the backend team to understand and consume RESTful APIs as per the requirements of the project. Design & Technical Decision-Making: Make informed design and technical decisions to optimize React and Next.js projects for performance, scalability, and maintainability. Code Development & Testing: Write clean, maintainable application code and unit tests to ensure the robustness and reliability of the application. Version Management: Manage multiple application releases and ensure a seamless, frictionless process for version upgrades. Collaboration & Communication: Effectively communicate with team members, stakeholders, and other departments to ensure alignment on project goals and deliverables. Qualifications: Education: BE/BTech/ME/MTech in Computer Engineering from a reputed college. Experience: At least 6+ years of experience in React and Next.js web development with a strong focus on UI/UX design. Technical Skills: Strong expertise in React, Next.js, JavaScript, HTML, and CSS. Proficiency in writing cross-browser compatible code and implementing responsive designs. Experience with RESTful Web Services and API consumption. Familiarity with testing frameworks and version control systems, particularly Git. UI/UX Skills: A strong portfolio showcasing UI/UX design skills, with the ability to create visually appealing and user-friendly interfaces. Communication Skills: Strong oral and written communication skills, with the ability to effectively convey technical concepts to both technical and non-technical stakeholders.