*Kissht & pay with Ring (NBFC)* Urgent opening for *"Collection Team Leader and Collection Officer"* Job description: We are looking for *Collection Team Leader and Collection Officer* for *KOLKATA AND SOUTH 24 PARGANAS* location. Profile: Collection Team Leader_ Vacancy: 05 Opening Collection Officer_ Vacancy: 50 Opening Company: *Kissht & pay with Ring (NBFC)* Product: Unsecured Loan ( Short term & Long term) Salary Range for Collection Team Leader: Up to 3.5 LPA+ Incentive ( varying on expertise, knowledge & current salary) Payout for Collection Officer : 15-20% Flat + Spot Incentive Basic Requirements:Person should have worked in the same job role. Qualification: Graduate for Collection Team Leader. 12th for Collection Officer Experience: Min 2-4 years of experience in the Unsecured loans field Collections. Job role Collection Team Leader: Handle in-house Collection Team and build a strong team under him by recruiting good and experienced field Collection Officer. Note: Will prefer local candidates & immediate joiners. Interested candidates with relevant experience, please send CV on this whatsApp no. 8420993013 Show more Show less

We are seeking a talented and detail-oriented Risk Analyst to join our Risk Analytics team. The ideal candidate will be responsible for identifying, analyzing, and assessing the potential risks that could affect the organization. This role involves leveraging data analytics to provide insights and recommendations for mitigating risks and ensuring the company's financial stability and compliance with regulatory requirements. What You'll Do: Conduct thorough risk assessments by analyzing data and identifying potential risks to the organization. Develop and implement risk management strategies and models to predict and mitigate potential risks. Monitor and report on risk exposure and the effectiveness of risk management practices. Collaborate with various departments to understand and address their risk-related concerns. Create comprehensive risk reports and present findings to senior management. Stay updated with industry trends, regulatory changes, and best practices in risk management and analytics. Utilize statistical software and risk modeling tools to analyze large datasets and generate insights. Perform stress testing and scenario analysis to evaluate the impact of different risk factors. Set up cooling periods, velocity checks on week 0 to identify bad actors and to comply with regulations Building risk scoring mechanism for users Set up chargeback procedure with payment gateway providers Review internal loan accounts to improve credit policy for digital loan products Manage the portfolio for multiple lenders, which consists mainly of Secured and unsecured loan products What We’re Looking For: Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related field. A Master’s degree is preferred Proven experience in risk analysis, risk management, or a related field Proficiency in statistical software (e.g., SAS, R, Python) and data analysis tools Strong analytical and problem-solving skills Excellent communication and presentation skills Knowledge of regulatory requirements and industry standards related to risk management Ability to work independently and as part of a team Strong attention to detail and the ability to manage multiple tasks simultaneously Preferred Skills : Familiarity with Credit bureau datasets. Professional certifications such as FRM (Financial Risk Manager) or PRM (Professional Risk Manager) are a plus. Familiarity with database management and SQL. Show more Show less

We are #hiring for Sales Manager, Company: KISSHT | Si Creva Capital Location: Krishnagiri, Tamilnadu Product: Loan Against Property Experience: Minimum 1+ year in sales Priority: Immediate joiners preferred 📩 Apply Now! 📞 Contact: 9566358334 📧 Email: aadithyan.s@kissht.com Don't miss this opportunity—share your resume today! Show more Show less

Company Description Kissht is a leading consumer-first credit app pioneering data and machine-based lending. With over 15 million customers, including a significant presence in tier 2 cities and beyond, Kissht offers a range of short and long-term loans for businesses, personal consumption, and recurring needs. Founded by alumni of IIT and IIM, and backed by prominent investors such as Endiya Partners, Brunei Investment Authority, and the Singapore Government, Kissht has established itself as a respected and fast-growing fintech business. Role Description This is a full-time on-site role for a Sales Manager located in Gorakhpur. The Sales Manager will be responsible for developing and executing sales strategies, managing and leading a team, identifying and pursuing new sales opportunities, maintaining client relationships, and achieving sales targets. Qualifications Strong sales and negotiation skills Proven experience in developing and executing sales strategies Team management and leadership skills Excellent communication and interpersonal skills Ability to identify and pursue new sales opportunities Ability to achieve and exceed sales targets Experience in the fintech industry is a plus Bachelor's degree/10+2 * Opportunities for Male & Female Interview Venue : KISSHT FINANCE JAIL ROAD BYPASS SARASWATI PURAM NEAR MADINA MASZID BAJRANG GYM GORAKHPUR,UTTAR PRADESH CONT : 9128891988 , 8115687601 jitendrakumar@kissht.com Show more Show less

Role: Product Manager Industry: Fintech About the Role We are looking for a Product Manager who is passionate about crafting seamless, high-conversion user onboarding journeys in fintech. You will lead the end-to-end product experience from signup to activation, leveraging data, design, and tech collaboration to continuously improve the funnel. If you enjoy working on user-first digital products, solving real-world onboarding challenges at scale, and collaborating across functions to drive impact, this is the role for you. Job Description: The Product Manager will be responsible for planning and executing product strategy across the onboarding lifecycle — including funnel design, data-led experimentation, and close coordination with engineering and risk teams. You will ensure that our onboarding experience is simple, scalable, compliant, and effective in converting users into transacting customers. Key Responsibilities: Product Strategy & Vision Define and evolve the product vision for user onboarding and early lifecycle journeys. Use funnel diagnostics, user research, and competitor benchmarking to shape the roadmap. Balance user experience, compliance (KYC, risk), and operational scalability. Drive end-to-end product development from concept (0) to launch (1). Product Development Own the onboarding and activation funnel in the app — from app open to first transaction. Define user journeys, edge cases, and success metrics in detailed PRDs. Work closely with engineers to validate tech feasibility, resolve blockers, and ensure timely delivery. Collaborate with design and compliance to maintain frictionless but secure flows. Analytics & Iteration Set up dashboards to track funnel metrics, drop-offs, time-to-KYC, and activation cohorts. Run A/B experiments and use behavioral insights to iterate and optimize flows. Deep-dive into data to identify root causes of user friction or drop-offs. Partner with analytics and CX teams to gather qualitative and quantitative feedback. Cross-functional Collaboration Work closely with business, marketing, design, and tech teams to ensure alignment on onboarding goals. Coordinate with risk and ops teams for fraud checks, verifications, and backend flows. Skills & Qualifications 3–5 years of product management experience in consumer-facing digital products, preferably in fintech, lending, or neobanking. Proven track record of owning onboarding or user activation funnels in a mobile-first environment. Strong analytical mindset — comfortable using tools like Mixpanel, Amplitude, SQL, or Looker. Decent technical understanding — able to discuss APIs, integration approaches, and app-side behavior with engineers. User-first approach, but able to work within constraints of regulation, fraud, and backend systems. Excellent communication and execution skills — self-starter who thrives in fast-paced environments. Good to Have Experience with KYC, video verification, or fraud management workflows. Exposure to gamification or progressive profiling in onboarding. Prior experience with experimentation platforms and cohort analytics. Experience in using AI led tools to improve funnel conversion metrics Show more Show less

Product Manager – Underwriting About the Role We are looking for a Product Manager who is passionate about solving the underwriting problems that modern day fin-techs face. You will lead integrations with external third party data sources, management of in-house underwriting platform and coordination with LoS to ensure that our underwriting process is in line with overall user experience. If you are someone who enjoys designing sophisticated tech systems and problem solving within business and user facing constraints to achieve simple solutions to complex problems, then this role is for you. Job Description: The Product Manager will be working directly with our data science team to help implement underwriting decisions. You will be responsible for building a robust underwriting platform that can support decisions while being scalable, responsive and flexible. You will be working horizontally with tech teams of different product verticals and vertically across functions. You will be a key contributor to support data science team in moving critical volume and risk metrics. Key Responsibilities: Problem solving at highest levels Work out solutions to achieve underwriting objectives with minimal user flow disruption Brainstorm closely with tech leads and risk team to arrive at best platform approach and take design calls, wherever needed, within the product constraints. Product Strategy & Vision Define and evolve the product vision for the underwriting platform, in line with overall company objectives. Manage the product roadmap for underwriting automation, rule engines, risk scoring models, and decision support tools. Take prioritization calls, wherever needed, after discussion with business spocs. Oversee end-to-end product development from concept (0) to launch (1). Team management Support individual PM's in effective running of pods within the underwriting team Work closely with engineers to validate tech feasibility, resolve blockers, and ensure timely delivery. Skills & Qualifications 4–5 years of product management experience in building underwriting platforms for fintech, lending, or neobanking players. Strong technical understanding — able to discuss APIs, integration approaches, and take design calls with engineering leads. A system-first approach, but with strong regard for overall user experience. Excellent communication and stakeholder management skills — you will be interacting with our data science head on a daily basis to move key deliveries. Good to Have Experience in using workflow management tools or rule engines Experience in using AI led tools in underwriting domain Show more Show less

We are seeking a highly skilled and experienced Senior Manager – Information Security to lead the development and execution of our cybersecurity strategy. This role will play a key part in securing our cloud-native digital lending platforms and ensuring compliance with key regulations such as the RBI Master Directions, DPDP Act, and ISO 27001 standards. You will lead governance, risk, compliance, and security operations while collaborating with Legal, IT, Compliance, and Product teams. This is a critical leadership role in building a security-first culture and enabling business growth through robust information security practices. What You'll Do: Governance & Compliance: Develop and maintain information security policies and drive compliance with ISO 27001, SOC 2, and RBI guidelines. Act as the primary contact for audits and inspections. Risk Management: Conduct risk assessments, manage risk registers, and oversee third-party/vendor security reviews. Security Operations: Oversee tools and processes for SIEM, DLP, EDR, patch management, and incident response. Lead security incident simulations and resolution. Cloud & App Security: Manage AWS security architecture, implement CSPM programs, and embed secure coding and DevSecOps practices across CI/CD pipelines. Business Continuity & DR: Maintain and test disaster recovery and continuity plans (RTO: 60 mins; near-zero RPO). Awareness & Culture: Run regular security training, phishing drills, and promote a security-aware culture across the organization. Reporting & Strategy: Present security metrics, dashboards, and risk reports to leadership and participate in strategic IT governance forums. What We’re Looking For: 8+ years in cybersecurity or information security roles; at least 3 years in a leadership capacity. Background in fintech, NBFC, or regulated financial services preferred. Proven track record in managing audits (ISO 27001, SOC 2), incident response, and cloud security (AWS). Strong knowledge of cybersecurity tools and frameworks: AWS, SIEM, CSPM, IAM, patch management, DLP, EDR. Familiar with secure SDLC, DevSecOps, threat modeling, and regulatory compliance. Effective communicator with experience working across cross-functional teams. Certifications (preferred): CISSP, CISM, CISA, ISO 27001 Lead Auditor/Implementer, AWS Security Specialty. Bonus: DCPP, CIPP/E, or other data privacy/RBI-focused certifications. About Kissht: Kissht, a Great Place to Work® certified organization, is a consumer-first credit app that is transforming the landscape of consumer credit. As one of the fastest-growing and most respected FinTech companies, Kissht is a pioneer in data and machine-based lending. With over 15 million customers, including 40% from tier 2 cities and beyond, we offer both short and long-term loans for personal consumption, business needs, and recurring expenses. Founded by Ranvir and Krishnan, alumni of IIT and IIM, and backed by renowned investors like Endiya Partners, the Brunei Investment Authority, and the Singapore Government, Kissht is synonymous with excellence in the industry. Join us and be a part of a dynamic, innovative company that is changing the future of financial technology. Show more Show less

Key Responsibilities: 1. Collection Management: 2. Team & Agency Management: 3. Portfolio Monitoring: 4. Process & Compliance: 5. Data Analysis 6. Vendor / Collection Agency Management: Qualification & Experience: Graduate/Post Graduate in any fields. 5-10 years of experience in Collections/Recovery (Banking/NBFC/Telecom/Fintech). Prior experience in managing teams and handling collection agencies. Good System Knowledge work proficiency in M.S Excel Show more Show less

About the Role We are looking for a Associate Product Manager who is passionate about crafting seamless, high-conversion user onboarding journeys in fintech. You will lead the end-to-end product experience from signup to activation, leveraging data, design, and tech collaboration to continuously improve the funnel. If you enjoy working on user-first digital products, solving real-world onboarding challenges at scale, and collaborating across functions to drive impact, this is the role for you. Job Description: The Associate Product Manager will be responsible for planning and executing product strategy across the onboarding lifecycle — including funnel design, data-led experimentation, and close coordination with engineering and risk teams. You will ensure that our onboarding experience is simple, scalable, compliant, and effective in converting users into transacting customers. Key Responsibilities: Product Strategy & Vision Define and evolve the product vision for user onboarding and early lifecycle journeys. Use funnel diagnostics, user research, and competitor benchmarking to shape the roadmap. Balance user experience, compliance (KYC, risk), and operational scalability. Experience like payments experience is a plus. Knowledge in product prioritization and roadmap planning. Show more Show less

Core Responsibilities: Detail the key tasks and duties associated with the role. For example: Sales Roles: Sales target achievement, lead generation, customer relationship management, processing loan applications, and ensuring compliance with regulations. Legal Roles: Title verification, document scrutiny, risk assessment, legal advice, and ensuring compliance with legal and regulatory requirements. Operations Roles: Loan processing, documentation, disbursement, and coordination with various departments. Specific Tasks: List specific tasks like: "Conducting property site visits for due diligence" (for technical or legal roles). "Preparing and presenting loan proposals" (for sales roles). "Handling customer queries and complaints" (for customer-facing roles). Show more Show less

Internal Auditor (RBI Governed NBFC) - Accounting, Taxation, Audit, Legal, and Secretarial Compliance Location: Mumbai Job Summary: We are seeking a highly qualified and versatile Internal Auditor with expertise in Accounting, Taxation, Audit, Legal, and Secretarial Compliance for our RBI-governed Non-Banking Financial Company (NBFC). The successful candidate will lead internal audit initiatives, ensuring compliance with regulatory requirements and industry standards across diverse financial and legal aspects. Key Responsibilities 1. Accounting and Financial Audits: • Conduct comprehensive financial audits to ensure accuracy and compliance with Ind AS. • Assist in the development and maintenance of the annual audit plan, with a focus on Ind AS related audits. • Review financial statements, ledgers, and accounting processes to identify areas for improvement. 2. Taxation Compliance: • Ensure adherence to tax regulations, including direct and indirect taxes. • Coordinate with tax advisors, prepare tax returns, and facilitate tax audits as required. 3. Legal and Secretarial Compliance: • Stay updated on changes in the legal and regulatory landscape, particularly those governed by the Reserve Bank of India (RBI). • Ensure compliance with RBI guidelines, legal requirements, and secretarial standards applicable to NBFCs. • Conduct periodic reviews of legal documentation, contracts, and agreements to ensure compliance. 4. Internal Audits: • Plan, execute, and lead internal audits covering accounting, taxation, legal, and secretarial compliance. • Identify and assess risks related to non-compliance and develop strategies for mitigation. • Collaborate with cross-functional teams to implement corrective actions based on audit findings. 5. Regulatory Reporting: • Prepare and submit timely and accurate regulatory reports to the RBI and other relevant authorities. • Ensure compliance with reporting requirements outlined by the RBI and maintain documentation for audit purposes. 6. Risk Assessment: • Conduct risk assessments related to accounting, taxation, and legal compliance. • Implement measures to mitigate identified risks and ensure alignment with RBI guidelines. 7. Documentation and Recordkeeping: • Maintain comprehensive and organized documentation related to financial, legal, and secretarial compliance. • Ensure the accuracy and completeness of records required for regulatory audits and inspections. 8. Training and Awareness: • Conduct training sessions to enhance awareness of financial, legal, and secretarial compliance requirements among staff. • Provide guidance to internal stakeholders on RBI guidelines and regulatory expectations. 9. Collaboration with Legal and Compliance Teams: 10. Audit Reporting: • Work closely with the legal and compliance teams to address regulatory issues and implement changes as required. • Liaise with external legal advisors as needed to ensure alignment with legal best practices. • Prepare detailed audit reports outlining findings, recommendations, and action plans related to financial, legal, and secretarial compliance. • Present audit reports to senior management, the board, and regulatory authorities as necessary. Qualifications: 1. Education • CA (Chartered Accountant) 2. Experience +5 years of experience, post CA qualification, in internal audit, accounting, taxation, legal compliance, or company secretarial functions within RBI-governed NBFCs. • In-depth knowledge of RBI regulations and guidelines pertaining to NBFCs. 3. Skills • Strong understanding of accounting principles, taxation laws, and legal frameworks applicable to NBFCs. • Excellent analytical, problem-solving, and communication skills. Show more Show less

We are looking for a dynamic and seasoned Head - Procurement to lead our end-to-end sourcing and procurement strategy. This is a strategic leadership role responsible for driving operational excellence, managing vendor ecosystems, and ensuring cost-effectiveness and compliance across procurement processes. Key Responsibilities: Strategic Procurement Leadership: Develop and implement scalable procurement strategies aligned with business goals across tech, marketing, operations, and corporate functions. Vendor Management & Negotiations: Build and maintain strong relationships with key vendors, suppliers, and service providers. Lead negotiations to optimize cost and service delivery. Cost Optimization & Spend Analysis: Analyze procurement spends, identify savings opportunities, and drive continuous improvement initiatives. Process Governance & Automation: Implement procurement tools, systems and workflows to increase efficiency, transparency and accountability. Cross-Functional Collaboration: Work closely with Finance, Product, Legal, Compliance and Business teams to ensure timely procurement aligned with operational needs. Compliance & Risk Management: Ensure all procurement activities adhere to internal policies and regulatory frameworks. Proactively identify and mitigate risks. Manage and lead ongoing audits of key accounts Desired Candidate Profile: 10–15 years of progressive experience in procurement or sourcing, preferably in fintech or high-growth startups. Strong negotiation skills with a track record of cost savings and efficiency improvements. Familiarity with procurement tools and ERP systems. Excellent analytical, communication and leadership skills. Strong understanding of procurement compliance, vendor SLAs, and contract management. MBA or equivalent degree preferred. Show more Show less

Company Description Kissht, a consumer-first credit app, is transforming consumer credit by being at the forefront of data and machine-based lending. As one of the most respected and fastest-growing fintech businesses, Kissht serves over 15 million customers, with 40% from tier 2 cities and beyond. Offering short and long-term loans for businesses, personal consumption, and recurring needs, Kissht has become synonymous with excellence in the industry. Founded by IIT and IIM alumni Ranvir and Krishnan, and backed by marquee investors like Endiya Partners, Brunei Investment Authority and the Singapore Government. Role Description This is a full-time on-site role for a Collection Executive, located in Katihar. The Collection Executive will be responsible for managing credit control and debt collection activities. Day-to-day tasks include contacting customers to collect due payments, negotiating payment plans, maintaining accurate records of all collection activities, and ensuring compliance with relevant laws and regulations. Qualifications Strong skills in Credit Control and Debt Collection Excellent Communication and Analytical skills Understanding of Finance concepts and practices Attention to detail and ability to work independently Experience in the financial or banking sector is a plus Bachelor's degree in Finance, Accounting, Business, or a related field Show more Show less

Company Description Kissht is a transformative consumer credit app that is revolutionizing the fintech industry. With over 15 million customers, including a significant portion from tier 2 cities and beyond, Kissht provides short and long-term loans for both business and personal use. Founded by IIT and IIM alumni, Ranvir and Krishnan, and supported by prominent investors such as Endiya Partners, Brunei Investment Authority, and the Singapore Government, Kissht stands out for its data-driven and machine-based lending solutions. Role Description This is a full-time on-site role located in Hyderabad for a Team Leader. The Team Leader will oversee daily operations, manage and coordinate a team, set performance goals, and ensure organizational standards are met. The incumbent will also be responsible for providing mentorship, conducting performance reviews, and implementing strategies to optimize team performance. Qualifications Proven leadership and team management skills Excellent communication and interpersonal skills Strong analytical and problem-solving skills Experience with performance tracking and reporting Ability to motivate and inspire team members Prior experience in fintech or related industry is a plus Bachelor's degree in Business, Management, or related field Show more Show less

Job Title: Associate Product Manager – LAP | LOS & Leadgen Location: [Mumbai / Hybrid ] About the Role: We are looking for an energetic and detail-oriented Associate Product Manager (APM) to join our growing Loan Against Property (LAP) product team. The ideal candidate will have hands-on experience or deep understanding of Loan Origination Systems (LOS) , lead generation modules , or secured lending products . You'll work closely with business, tech, design, and operations teams to build scalable products that enhance customer acquisition and loan processing efficiency. Key Responsibilities: Work with the Senior Product Manager to define the roadmap for LOS and Leadgen modules. Break down high-level business problems into structured product requirements and user stories. Collaborate with engineering and business teams to develop and deliver product features. Monitor performance metrics, user behavior, and funnel drop-offs to drive improvements. Coordinate with credit, sales, and operations teams to ensure seamless workflows across the lending journey. Conduct competitor benchmarking and market research to identify trends in secured lending and customer onboarding. Requirements: 1–3 years of experience in product management or related roles. Prior exposure to loan origination platforms , lead management systems , or secured lending products is preferred. Strong analytical and problem-solving skills. Understanding of end-to-end customer journey in lending (especially secured products like LAP). Good communication and stakeholder management skills. Experience working in Agile environments is a plus. Nice to Have: Experience with tools like JIRA, Figma, Mixpanel, or Postman. Familiarity with regulatory aspects of secured lending. Exposure to fintech, NBFCs, or banking tech stack. Why Join Us? Be part of a fast-growing team solving real customer problems in the secured lending space. Opportunity to work on high-impact, large-scale digital lending products. Collaborative, high-ownership culture with room to grow.

We’re Hiring: HR Business Partner (HRBP) – BPO Industry Are you an experienced HR professional with a passion for driving people strategies in fast-paced environments? We’re looking for dynamic HR Business Partners to join our team and play a critical role in supporting our growing BPO operations. As an HRBP, you’ll partner closely with business leaders to align HR initiatives with operational goals, manage the entire employee lifecycle, handle grievance and performance issues, and lead engagement and retention efforts. If you thrive in a 24x7, high-volume setup and have hands-on experience in employee relations, shift operations, and workforce planning, this role is for you. Key Responsibilities Partner with operations and business leaders to align HR strategies with business goals for assigned accounts or business units. Manage end-to-end employee lifecycle activities including confirmation, transfers, grievance handling, performance issues, and exits. Monitor and drive employee engagement initiatives, pulse checks, and feedback channels to improve employee morale and retention. Analyze attrition, absenteeism, and other workforce metrics to provide actionable insights and reduce churn. Coordinate with the L&D team for training needs assessment and development programs for employees and team leaders. Support workforce planning, shift deployment, and rostering in collaboration with operations and workforce management teams. Serve as a point of contact for escalations related to HR concerns or policy violations. Requirements Bachelor’s degree in Human Resources, Business Administration, or a related field. 4–8 years of HR experience, preferably with at least 2-3 years as an HRBP in a BPO/KPO/ITES environment. Strong understanding of BPO dynamics, shift operations, and HR compliance in a high-volume environment. Excellent interpersonal, communication, and stakeholder management skills. Ability to handle high-pressure environments with empathy, speed, and accuracy. Preferred Skills Experience managing employee relations in 24x7 work environments. Ability to manage HR responsibilities for multiple accounts. Experience in conducting engagement events, R&R programs and retention initiatives.

Role Overview: We’re looking for a dynamic and execution-focused professional to join our growing insurance team. You will work at the intersection of digital strategy, business development, and regulatory compliance to build and scale our insurance distribution platform. This is a high-impact role that requires a mix of strategic thinking, ownership, and hands-on execution. Key Responsibilities: What We’re Looking For: 1. Digital Distribution Strategy o Define and execute go-to-market strategies for insurance products across life, health, and general insurance. o Collaborate with product, tech, and marketing teams to drive digital journeys for purchase and servicing. 2. Business Partnerships: o Onboard and manage relationships with insurance partners (Insurers, Brokers, TPAs). o Co-create value propositions, drive joint campaigns, and optimize commercial models. 3. IRDAI Compliance & Regulatory Management: o Ensure all initiatives are in line with IRDAI norms and evolving regulatory requirements. o Liaise with compliance/legal teams and regulators as needed. 4. Drive Bottom Line : o Track key KPIs – premium volumes, commission income, product attachment rates. o Identify levers to improve unit economics and customer lifetime value through protection cross-sell. 5. Support for Other Cross-Sell Initiatives o Be willing to work on other non-insurance cross-sell products. o Identify and evaluate cross-sell opportunities and products across the customer lifecycle. o Responsibilities will mirror insurance distribution – including digital strategy, partner management, compliance, and P&L ownership. • 3–6 years of experience in fintech/insurance/financial services/startups. • Prior exposure to insurance or product distribution (broker, digital platform, or B2C fintech) preferred. • Comfort working in ambiguous environments with a strong bias for action. • Strong communication, analytical, and stakeholder management skills. • Understanding of IRDAI regulations (POSP, Corporate Agency, ISNP etc.) is a plus . • Hunger to build new products and willingness to operate across verticals.

About the Role We are looking for a Product Manager who is passionate about crafting seamless, high-conversion user onboarding journeys in fintech. You will lead the end-to-end product experience from signup to activation, leveraging data, design, and tech collaboration to continuously improve the funnel. If you enjoy working on user-first digital products, solving real-world onboarding challenges at scale, and collaborating across functions to drive impact, this is the role for you. Job Description: The Product Manager will be responsible for designing, planning and executing the loan application journey for a digital user — including funnel design, data-led experimentation, and close coordination with engineering and risk teams. You will ensure that our onboarding experience is simple, scalable, compliant, and effective in converting users into transacting customers. Key Responsibilities: Product Strategy & Vision Define and evolve the product vision for user onboarding and early lifecycle journeys. Use funnel diagnostics, user research, and competitor benchmarking to shape the roadmap. Balance user experience, compliance (KYC, risk), and operational scalability. Drive end-to-end product development from concept (0) to launch (1) Product Development Own the onboarding and activation funnel in the app — from app open to first transaction. Define user journeys, edge cases, and success metrics in detailed PRDs. Work closely with engineers to validate tech feasibility, resolve blockers, and ensure timely delivery. Collaborate with design and compliance to maintain frictionless but secure flows. Analytics & Iteration Set up dashboards to track funnel metrics, drop-offs, time-to-KYC, and activation cohorts. Run A/B experiments and use behavioral insights to iterate and optimize flows. Deep-dive into data to identify root causes of user friction or drop-offs. Partner with analytics and CX teams to gather qualitative and quantitative feedback. Cross-functional Collaboration: Work closely with business, marketing, design, and tech teams to ensure alignment on onboarding goals. Coordinate with risk and ops teams for fraud checks, verifications, and backend flows. Skills & Qualifications: 3–5 years of product management experience in consumer-facing digital products in fintech, or neo banking is required. Proven track record of owning onboarding or user activation funnels in a mobile-first environment. Strong problem solving mindset — own a business problem and work with teams to arrive at a solution Deep technical understanding — able to discuss integrations, make design calls with engineering heads and ability to work on cross-platform micro-service based architecture Strong stakeholder management skills and experience of co-solving with higher management. Good to Have: Exposure to gamification or progressive profiling using AI in onboarding. Prior experience with experimentation platforms and cohort analytics. Experience in using AI led tools to improve funnel conversion metrics

We are looking for an experienced Information Security professional with certifications like CISSP or CISA, and a strong background in leading compliance initiatives for SOC 2 Type II, ISO 27001, PCI DSS, and IOCFR. Direct experience working with RBI regulations and auditors is mandatory . The ideal candidate should have hands-on knowledge of AWS cloud security, and familiarity with tools such as GuardDuty, Wiz/Orca, Splunk, Crowdstrike, and Vanta. Experience in fast-paced sectors like FinTech, E-commerce, or Payment Solutions is a strong plus. What You'll Do: Governance & Compliance: Develop and maintain information security policies and drive compliance with ISO 27001, SOC 2, and RBI guidelines. Act as the primary contact for audits and inspections. Risk Management: Conduct risk assessments, manage risk registers, and oversee third-party/vendor security reviews. Security Operations: Oversee tools and processes for SIEM, DLP, EDR, patch management, and incident response. Lead security incident simulations and resolution. Cloud & App Security: Manage AWS security architecture, implement CSPM programs, and embed secure coding and DevSecOps practices across CI/CD pipelines. Business Continuity & DR: Maintain and test disaster recovery and continuity plans (RTO: 60 mins; near-zero RPO). Awareness & Culture: Run regular security training, phishing drills, and promote a security-aware culture across the organization. Reporting & Strategy: Present security metrics, dashboards, and risk reports to leadership and participate in strategic IT governance forums. What We’re Looking For: 8+ years in cybersecurity or information security roles; at least 3 years in a leadership capacity. Background in fintech, NBFC, or regulated financial services preferred. Proven track record in managing audits (ISO 27001, SOC 2), incident response, and cloud security (AWS). Strong knowledge of cybersecurity tools and frameworks: AWS, SIEM, CSPM, IAM, patch management, DLP, EDR. Familiar with secure SDLC, DevSecOps, threat modeling, and regulatory compliance. Effective communicator with experience working across cross-functional teams. Certifications (preferred): CISSP, CISM, CISA, ISO 27001 Lead Auditor/Implementer, AWS Security Specialty. Bonus: DCPP, CIPP/E, or other data privacy/RBI-focused certifications. About Kissht: Kissht, a Great Place to Work® certified organization, is a consumer-first credit app that is transforming the landscape of consumer credit. As one of the fastest-growing and most respected FinTech companies, Kissht is a pioneer in data and machine-based lending. With over 15 million customers, including 40% from tier 2 cities and beyond, we offer both short and long-term loans for personal consumption, business needs, and recurring expenses. Founded by Ranvir and Krishnan, alumni of IIT and IIM, and backed by renowned investors like Endiya Partners, the Brunei Investment Authority, and the Singapore Government, Kissht is synonymous with excellence in the industry. Join us and be a part of a dynamic, innovative company that is changing the future of financial technology.

We are looking for a talented Graphic Designer with 5-7 years of experience in digital and print design. The ideal candidate should be creative, detail-oriented, and have a strong understanding of branding, typography, color theory, and layout design. You will be responsible for creating visually compelling graphics for both online and offline platforms. Key Responsibilities: • Design engaging visuals for digital and print media, including Google Ads, Meta Ads, Social media posts and print related creatives. • Translate creative briefs and marketing objectives into compelling visual concepts, designs and layouts. • Develop branding materials and marketing collateral as per company requirements. • Collaborate with the marketing and content teams to create visually appealing campaigns. • Ensure all designs align with brand guidelines and maintain consistency across various media. • Prepare print-ready files and coordinate with printing vendors to ensure quality production. • Stay updated with the latest design trends and AI. • Storyboarding statics frames for video Requirements Skills: • Proficiency in design software: Adobe Creative Suite (Photoshop, Illustrator, Figma) • Strong understanding of digital and print design principles, including color management, typography, and layout. • Updated with modern trends and styles. • Working on many adapts at a time. • Working with tight deadlines • Experience in creating social media graphics, website banners, and advertisements. • Knowledge of print production, including file formats, resolution, and printing processes. • Ability to manage multiple projects and meet deadlines. • Excellent attention to detail and creativity. • Strong communication and teamwork skills. Preferred Qualifications: • Degree/Diploma in Graphic Design, Visual Arts, or a related field. • Basic knowledge of motion graphics, video editing design is a plus. • Experience working in an agency or a fast-paced environment is preferred.