Who We Are Kaleidofin Capital Pvt Ltd (KCPL), incorporated on March 19, 2021, is a prominent Non-Banking Financial Company (NBFC) focused on delivering innovative credit solutions to underserved communities often overlooked by traditional financial institutions. KCPL, a wholly owned subsidiary of Kaleidofin Pvt Ltd, operates as part of a larger fintech ecosystem dedicated to providing comprehensive, customer-centric financial services. With a mission to enhance financial inclusion, KCPL specializes in retail lending through partnerships with Business Correspondents (BC), targeting both individual and Micro, Small, and Medium Enterprise (MSME) customers. KCPL received its NBFC certification in 2022, officially authorizing it to conduct lending activities. Since then, the company has expanded its operations to over 437 districts across 12+ states in India, leveraging Kaleidofin's established presence in these regions. This extensive reach allows KCPL to make a substantial impact in rural and semi-urban regions, effectively bridging the financial services gap for informal and small-scale businesses. KCPL uses cutting-edge technology and data analytics to create personalized financial plans that align with customer goals. Utilizing the proprietary "ki score" - an advanced supervised machine learning algorithm which helps in ensuring efficient service delivery, affordability, and accessibility by underwriting loans for customers with limited documentary evidence on income. With robust underwriting and risk management frameworks KCPL has pioneered innovative lending solutions such as small business loan securitizations and co-lending models. KCPL has built credit book of INR 1.1 billion, primarily focused on informal micro-enterprises, agricultural and allied industries, and loans for women entrepreneurs. This growth has been driven by partnerships with banks, large NBFCs, and a strong network of originators. Additionally, KCPL's expertise in debt capital markets and structured finance has enabled it to leverage a diverse set of funding sources to support its lending initiatives. KCPL's strategic direction is guided by a distinguished board, including three promoter directors: Mr. Puneet Gupta, Mrs. Sucharita Mukherjee, and Mr. Vipul Sekhsaria. They are supported by Independent Director Mr. Ramanathan. Kaleidofin Capital is led by a team of seasoned professionals with deep expertise in finance, technology, and social impact. The leadership team combines years of experience with a shared commitment to driving meaningful change through financial empowerment. This experienced leadership team brings a wealth of industry expertise, driving KCPL's mission. Through a combination of deep market presence, cutting-edge technology, and strong partnerships, KCPL is positioned as a trusted financial services provider, fostering financial inclusion and supporting the growth of India's underserved communities. What you'll do? Responsible for assessing and evaluating partner organizations and monitoring performance of existing partners. Contribute to development of underwriting standards for selection of partners. Conduct due diligence & prepare clear and crisp credit notes / documents, working together with senior colleagues. Present risk opinion to credit committee and assist with on- boarding of partner organizations. On-going monitoring of Kaleidofin partner organizations. The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them. The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them. Who you need to be? Ability to write clear and coherent reports in English. Financial analysis skills and quick to understand numbers and trends. Good skills in Microsoft Excel Teamwork and collaborative approach Fluent in English, Hindi, and any other Indian / Foreign language(s). (ref:iimjobs.com) Show more Show less

Responsibilities Provide first-level support via email and chat to help resolve technical and functional issues across the company's products. Take initiative in assisting users and work under guidance to resolve issues effectively. Follow documented procedures and escalate complex issues to relevant internal teams as required. Assist in reporting any issues that may impact business operations. Ensure all support interactions are logged properly in the internal ticketing system. Help keep users and stakeholders informed during downtimes or system issues. Learn and familiarize yourself with the company's software, tools, and technologies. Support the team in researching, diagnosing, and troubleshooting issues. Contribute to accurate and timely reporting of support metrics. Requirements Good Understanding of SQL. 1+ years of experience in Production Support. Understanding of Linux/UNIX systems, databases (e. g., MySQL, SQL Server), and web technologies. Exposure to or willingness to learn scripting or programming basics. Familiarity with Excel and documentation tools. Good communication skills written and verbal. A proactive attitude, eagerness to learn, and a customer-first mindset. Exposure to ticketing tools. Good Understanding of Debugging and analysis. Good Understanding of AWS Cloud. This job was posted by Poornima B from Kaleidofin. Show more Show less

Product Manager - Chennai Who we are? Kaleidofin is a financial platform for the masses in India, which provides intuitive solutions tailored to the customer’s goals and provides a payments platform for digitizing payments across financial institutions. We are working towards creating fair and transparent financial solutions that can target millions of customers and enterprises in India that don’t have easy access to formal financial planning. In a very short time span, global investors such as Oiko Credit, Omidyar Network and Blume Ventures have supported Kaleidofin’s well thought out business model with $8 million in seed and Series A funding. The company was one of only ten startups chosen for the Google LaunchPad Accelerator program in 2019, was recognized as India's Most Innovative Wealth, Asset and Investment Management Service/Product by the Internet & Mobile Association of India (IAMAI) and was selected to present at United Nations General Assembly Special Task Force Event. Kaleidofin aims to become a leading FinTech player bringing financial solutions to everyone. We have brought together a fantastic team with folks with prior experience at Google, Amazon, Oracle, Microsoft, IFMR, WebMD, that are all working towards this common mission together. To know more about Kaleidofin, do visit our site https://kaleidofin.com/ Key Responsibilities Manage the execution of the entire product lifecycle management from concept through launch and beyond. Break down the overall roadmap into specific components for you to own the backlog. Grow the products and features for both existing and new products. Own responsibility and accountability for the product experience and associated OKR’s. Define, implement, and own metrics to monitor and communicate product performance, validate hypothesis, refine content and experience. Analyze and educate the business on the market dynamics, trends and our competition. Requirements/Qualifications 3+ years of experience in product management. FinTech market experience a strong plus. Experience creating and contributing to a software product roadmap, evangelizing the product vision. Experience working directly and cross-functionally with developers, product managers, and other related stakeholders Excellent communication, presentation skills and ability to interact with all levels of the organization. Strong work ethic. Self-starting personality with the ability to problem solve and develop creative solutions. Works well and stays focused under little supervision. Bachelor’s degree or equivalent in work experience. Skills:- Product Management, Product Strategy and Product Lifecycle Management (PLM) Show more Show less

What youll do? About We are seeking extremely smart programmers who are gung-ho about building large scale systems that are going to have a big impact on millions of customers. You will : Design and develop products by working closely with business team. Gain experience with hands on coding and independent ownership of software components. Build performant, scalable, enterprise ready back-end architectures that can support millions of users in parallel. Follow strong engineering best practices and champion their adoption. The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them. Who you need to be? 1+ years experience in software product development and delivery Bachelors or masters degree in engineering from a reputed institute (preferably IITs, NITs, or other top engineering institutes). Strong grasp of CS fundamentals, algorithms and excellent problem-solving abilities. All experience should be from good product development or e-commerce background. Must have shown good stability in all your previous associations. Have strong backend knowledge and cloud development exposure. Expert at Java, Spring boot, Hibernate, REST API development. Worked with at least 1 RDBMS (Mysql preferred). NoSql is a plus. Have used or are very hands-on with Microservices, Docker, Kubernetes, Gradle/Ant, Kafka, GIT/bitbucket in a very agile workplace. Writing high quality code which is made better by unit tests and integration tests is how you work. Comfortable with exploring proven open-source tech stack like Grafana, Kibana, Jira, Prometheus, caches like Redis/Memcached, task queues like celery, to name a few Knowledge of test-driven development and AWS tech stack will be a good plus Job location : Chennai/Bangalore (work from office-Hybrid) (ref:hirist.tech) Show more Show less

ASSOCIATE- FUNDRAISING & INVESTMENT Who are we? Kaleidofin is a fintech focused on the mission to build a digital ecosystem ensuring finance for everyone, everywhere. We provide the ki credit platform, combining credit health assessment (ki score), middleware rails and best-in-class risk management (ki view) to enable the financial ecosystem to serve customers better. Via credit health scores for impactful finance and innovative debt structures to scale, Kaleidofin is driving towards its goal to unlock access to tailored finance for women, agri and nano entrepreneurs – in India, Bangladesh and East Africa and expanding. The platform has unlocked debt capital of cumulatively more than USD 3 billion for more than 5 million customers and small enterprises working in the informal economy. Over the years, Kaleidofin has rased capital of USD 37 million from marquee investors, including Rabo Partnerships, the Bill & Melinda Gates Foundation, the Michael & Susan Dell Foundation, Oiko Credit, Flourish, Omidyar Network, Blume Ventures, and Bharat Fund, who share our commitment to financial inclusion and impact. Kaleidofin has received exceptional international recognition in being featured as one of only six Indian companies on the Forbes 100 To Watch in Asia list and in being selected to present at the United Nations General Assembly Special Task Force.The company won the Amazon AI Conclave award for Fintech, was one of only ten startups chosen for Google LaunchPad Accelerator program in 2019 and was recognized as India’s Most Innovative Wealth, Asset and Investment Management Service/Product by IAMAI. Kaleidofin won the Swanari TechSprint 2023 organized by the RBI Innovation Hub, was recognized as a finalist in IFTA 2023 for ‘Best Use of AI in Fintech’, as a finalist at the prestigious Global SME Finance Awards 2024 hosted by the SME Finance Forum and IFC. Moreover, Kaleidofin emerged as a winner at the prestigious G20 TechSprint 2024 - Technology for the Planet. Kaleidofin aims to become a leading player in enabling finance for everyone, everywhere. We also invest in culture and team growth, reflective in our selection as a Great Place to Work for multiple years. To know more about Kaleidofin, do visit our site https://kaleidofin.com What you’lldo? As a Fundraising & Investment Associate, you will play a critical role in securing capital to fuel our growth and impact. You will play an important role in raising equity and grant funding, manage investor relationships, and build robust financial models and business plans. This is a highimpact role that requires a blend of strategic thinking, financial acumen, and strong communication skills. Key responsibilities: Support equity fundraising initiatives from institutional and impact investors Identify and apply for grant funding opportunities aligned with our emerging markets work Build and manage a pipeline of prospective investors and funding partners Develop detailed financial models, revenue forecasts, and business plans Prepare compelling investor presentations, pitch decks, and investment memos Manage due diligence processes and coordinate with legal, finance, and compliance teams Track market trends, investor sentiment, and funding benchmarks in the FinTech and impact investing space Who you need to be? Master’s degree in finance, Business, Economics, or related field MBA, CA (or CAs in the making) or CFA (Level II or above) is a strong advantage 2–5 years of experience in fundraising, investment banking, venture capital, or financial planning Advanced Excel skills with experience in financial modelling and forecasting Proficiency in PowerPoint and other presentation tools Strong written and verbal communication skills Self-starter with the ability to work independently and collaboratively in a fast-paced environment Passion for financial inclusion and emerging markets is a big plus What we offer? Opportunity to work at the intersection of finance and impact An ability to work directly with the co-founders A mission-driven, collaborative, and entrepreneurial work culture Learning and development opportunities Competitive compensation and performance-based incentives Work location-Chennai Department- Strategy & Investments If you're excited about using finance as a force for good and want to be part of a high-growth FinTech company, send your resume and a brief cover letter to poornima.b@kaleidofin.com or careers@kaleidofin.com with the subject line: Application – Fundraising & Investment Associate

As part of Platform Catalysts Team, you will be responsible for ensuring the company is appropriately and strategically positioned with large banks, NBFCs and other financial institutions to on-board them as partners for risk infrastructure products- ki score and ki view and several other cutting- edge credit risk offerings that Kaleidofin continues to create. In this role, you will be reporting to the Executive Vice President. The position requires you to understand credit risk and appropriately and create market for AI/ML credit models and risk management tools through, excellent communication, interpersonal skills to on-board high-quality banks and NBFC. The Key Responsibilities For The Position Are Responsible for on-boarding and managing Lender Partners-Banks, NBFCs etc. for credit risk infrastructure solutions. Develop a robust lender relations coverage strategy including creating need-based product sales plan for Kaleidofin risk infrastructure platform solutions Achieve revenue targets. Create and manage a strong reputation by demonstrating consistent and clear communication between internal and external parties. Responsible for creating awareness about the company and amongst the banking and other lender/investor community, as a market making activity. Responsible for preparation of reports on the company's profile and performance and other marketing material and presenting it to the company's current and potential future partners. Provide insights on market activity and present to the leadership team. Analyse and present financial trends, competitors' behaviour and anything else that could impact the business. The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them. Who you need to be? The person needs to be passionate about financial inclusion and empowering the informal segment. You should also be an eager learner with high aptitude to understand AI/ML data models sales processes, risk management tools with ability to introduce, sell and manage prospects through a need based selling process. Interest in offering cutting edge risk management solutions in generating business results for the financial institutions, an effective collaborator to work with cross teams including other colleagues in Platform Catalysts team, Data science and risk teams as well as similar counter parties with lender partner prospects At Kaleidofin, one needs to be initiative oriented with abilities to work and achieve objectives and key results independently. Success in this role requires independence, collaboration, communication, leadership, and vision. A Master's degree in business, finance, or accounting A CA or CFA certification is an asset. Min 5 years of experience as a Technical Presales Specialist dealing with lender/investors and a strong track record of creating positive relations with the lender/Banks/NBFCs partner community. Thorough understanding of key credit risk metrics including knowledge and understanding of credit products; knowledge and understanding of debt capital Platform Catalysts will be handy as well. A strong understanding of macroeconomics and good understanding of capital Platform Catalysts trends, competitor activities, industry dynamics, and customer trends A professional who is also entrepreneurial and has a client focused problem-solving skills. 60% of your job profile will entail travel Has superb written and verbal communication skills, as well as the ability to draft engaging and impactful messages for inspiring clients as well as internal stakeholders. Job location Mumbai (remote) / Delhi (remote) / Chennai; (ref:iimjobs.com)

Role : Backend Developer Location : Bangalore, Chennai, India Experience : 3 - 6 Years Employment Type : Full-time Job Overview We are seeking extremely smart and passionate Backend Developers with 3-6 years of experience to join our team. You'll be instrumental in building large-scale, enterprise-ready systems that will significantly impact millions of customers. This role requires hands-on coding, independent ownership of software components, and a strong commitment to engineering best practices, focusing on performance, scalability, and security. Key Responsibilities Design and develop robust backend products by collaborating closely with the business team to translate requirements into technical solutions. Take independent ownership of software components, from conception through deployment and maintenance, demonstrating strong hands-on coding capabilities. Build highly performant, scalable, and enterprise-ready backend architectures capable of supporting millions of concurrent users. Adhere to and champion strong engineering best practices, including code quality, testing, and documentation, ensuring their adoption across the team. Understand and adhere to appropriate information security responsibilities for the role, ensuring secure code development and data handling. Participate actively in a fast-paced, agile environment, contributing to continuous integration and continuous delivery (CI/CD) practices. Required Skills & Qualifications 3 - 6 years of experience in software product development and delivery. Bachelor's or Master's degree in Engineering from a reputed institute (preferably IITs, NITs, or other top engineering institutes). Strong grasp of Computer Science fundamentals, algorithms, and excellent problem-solving abilities. All experience should be from a good product development or e-commerce background. Demonstrated stability in all previous professional associations. Strong backend knowledge and practical cloud development exposure. Expert in Java, Spring Boot, Hibernate, and REST API development. Experience with at least one RDBMS (MySQL preferred); knowledge of NoSQL databases is a plus. Hands-on experience with Microservices architecture, Docker, Kubernetes, Gradle/Ant, Kafka, and GIT/Bitbucket in a highly agile workplace. A commitment to writing high-quality code, which is made better by comprehensive unit tests and integration tests. Comfortable with exploring and integrating proven open-source tech stacks like Grafana, Kibana, Jira, Prometheus, caches (e.g., Redis/Memcached), and task queues (e.g., Celery). Preferred Qualifications Knowledge of Test-Driven Development (TDD). Familiarity with the AWS tech stack. Kaleidofin Interview Process 3 to 4 rounds of technical interviews. (ref:hirist.tech)

Job Description Lead and mentor a team of data scientists/analysts. Provide analytical insights by analyzing various types of data, including mining our customer data, review of relevant cases/samples, and incorporation of feedback from others. Work closely with business partners and stakeholders to determine how to design analysis, testing, and measurement approaches that will significantly improve our ability to understand and address emerging business issues. Produce intelligent, scalable, and automated solutions by leveraging Data Science skills. Work closely with Technology teams on the development of new capabilities to define requirements and priorities based on data analysis and business knowledge. Developing expertise in specific areas by leading analytical projects independently, while setting goals, providing benefit estimations, defining workflows, and coordinating timelines in advance. Providing updates to leadership, peers, and other stakeholders that will simplify and clarify complex concepts and the results of analyses effectively, with emphasis on the actionable outcomes and impact on business. Requirements 2 to 5 years in advanced analytics, statistical modelling, and machine learning. Best practice knowledge in credit risk - strong understanding of the full lifecycle from origination to debt collection. Well-versed with ML algos, BIG data concepts, and cloud implementations. High proficiency in Python and SQL/NoSQL. Collections and Digital Channels are a plus. Strong organizational skills and excellent follow-through. Outstanding written, verbal, and interpersonal communication skills. High emotional intelligence, a can-do mentality, and a creative approach to problem solving. Takes personal ownership, Self-starter - ability to drive projects with minimal guidance and focus on high-impact work. Learns continuously; Seeks out knowledge, ideas, and feedback. Look for opportunities to build one's skills, knowledge, and expertise. Experience with big data and cloud computing, viz. Spark, Hadoop (MapReduce, PIG, HIVE) Experience in risk and credit score domains preferred. (ref:hirist.tech)

Job Description What you'll do? About We are seeking extremely smart programmers who are gung-ho about building large-scale systems that are going to have a big impact on millions of customers. You will : Design and develop products by working closely with the business team. Gain experience with hands-on coding and independent ownership of software components. Build performant, scalable, enterprise-ready back-end architectures that can support millions of users in parallel. Follow strong engineering best practices and champion their adoption. Who you need to be? 1 to 3 Years experience in software product development and delivery Bachelors or Masters degree in engineering from a reputed institute (preferably IITs,NITs, or other top engineering institutes). Strong grasp of CS fundamentals, algorithms and excellent problem-solving abilities. All experience should be from a good product development or e-commerce background. Must have shown good stability in all your previous associations. Have strong backend knowledge and cloud development exposure. Expert at Java, Spring boot, Hibernate, REST API development. Worked with at least 1 RDBMS (Mysql preferred). NoSQL is a plus. Have used or are very hands-on with Microservices, Docker, Kubernetes, Gradle/Ant, Kafka, GIT/bitbucket in a very agile workplace. Writing high-quality code which is made better by unit tests and integration tests is how you work Comfortable with exploring proven open-source tech stack like Grafana, Kibana, Jira, Prometheus, caches like Redis/Memcached, and task queues like celery, to name a few Knowledge of test-driven development and AWS tech stack will be a good plus Job location : Chennai/Bangalore (work from office-Hybrid) (ref:hirist.tech)