NIRA

We are seeking a talented QA automation engineer to design testing procedures for our software applications. In this role, you will be responsible for analyzing the functionality of applications and designing automated tests to validate their performance. You will also be required to identify bugs, install databases, and collaborate with the engineering team. Responsibilities Identify software weaknesses, edge cases, and potential failure points across systems. Design and implement automated test procedures to validate functionality, performance, and reliability. Review bug reports and logs to highlight problem areas and prevent regressions. Write robust automation scripts using tools like Selenium, JUnit, or Cypress. Collaborate with developers to design and validate backend logic, especially for AWS Lambda + DynamoDB-based microservices. Create and maintain test data and test databases, ensuring proper coverage for business scenarios. Troubleshoot automation software and optimize test execution and CI pipelines. Monitor software quality metrics, log defects, and deliver clear, actionable test reports. Participate in sprint planning, stand-ups, and release sign-off processes. Requirements Bachelor's degree in Computer Science, Software Engineering, or related field. 3- 5 years of QA experience, with a strong focus on automation in backend and web/mobile environments. Strong programming skills in Java; experience building automation for Java-based systems. Experience with automation frameworks such asSelenium, Cypress, JUnit, or NUnit. Solid understanding ofCI toolslikeJenkins, TeamCity, or GitHub Actions. Familiarity with AWS services such as Lambda, DynamoDB, CloudWatch, and S3 Proficient in Object-Oriented Analysis and Design (OOAD)and test architecture patterns. Comfortable with API testing tools like Postman, REST Assured, or Swagger. Design and implement automated test procedures to validate data, functionality, performance, and reliability. Detail-oriented with strong debugging, analytical, and documentation skills. Effective communication and cross-functional collaboration abilities. Exposure to fintech, lending, or compliance-focused applications. Working knowledge of NoSQL databases like DynamoDB. Experience with load testing and performance profiling tools. This job was posted by Asha Gt from NIRA. Show more Show less

Thank you for taking the time to look at NIRA, an exciting fintech startup which, starting with credit, is building financial services for India’s mass market. Today, if you were to think of the largest financial brands in India, you’d think of the banks: HDFC, ICICI, Kotak etc. They all serve the richest cohort of India’s society. Over the last few years some newer brands have emerged that target upwardly mobile millennials; think Slice, MoneyView, Uni Cards etc. The mass market, or Middle India, remains a white space. This is the gap that NIRA is looking to fill. Launched in 2018, NIRA has found a very strong product market fit, and has established itself as the category leader for the mass market segment. Since the passing of Covid, the company is growing very quickly; we’ve averaged a monthly growth rate of 17% for the last 20 months. We’re looking to grow another 3x before the end of 2023, and a further 3x in 2024. This is a huge market, we need to go after it. Our fundamentals are robust: we are unit positive on our loans, and expect to turn profitable in the next 3 to 4 months. This is a real business with a very strong foundation. Beyond personal loans, we are looking to introduce a second product this year, and more will follow. NIRA will become the holistic provider of financial services for Middle India. NIRA is looking to bring on board a Director of Finance to help us take the business to the next level, while maintaining tight control and discipline around our finances. The successful candidate will be considered a mid-senior level hire, and will work closely with the founders in all aspects of financial control and strategy. If you're looking for a dynamic and challenging role on the cutting edge of the financial services industry, and a chance to grow with the firm, then this could be the seat for you. Roles and Responsibilities: Work with founders to make financial plans (forecasting) and strategy Financial performance evaluation /variance analysis, KPIs for the business Loan book management Cash flow & working capital management Preparation of key financial metrics for investors and management Ensuring timely reconciliations and invoice collections with our debt funding partners Responsible for company accounts and financial reporting as per regulatory requirements Fundraising strategy/ Capital structure optimisation (debt, venture debt, equity) Develop accounting policies to maintain and strengthen internal controls Drive key finance initiatives to improve performance and facilitate business growth Actively identify opportunities to improve cost structure & unit costs Coordinate with auditors / diligence teams to successfully close audits Vendor management (we use multiple 3rd party services so need to manage these expenses) Oversee a small team of finance professionals. Desired Skills, Qualifications and Attributes: CA qualified with 10+ yrs experience Experience in a fast growing startup is preferred* Demonstrated experience in financial leadership role for at least 2 years Financial / cashflow modeling Strong ability to collaborate, problem solve, and work with multiple teams. Sharp commercial sense Detail oriented / meticulous Excellent written and oral communication skills Highly data driven and analytical approach in problem solving Drive for excellence across all aspects of work Proficient use of tools such as Excel and Tally Willingness to work at a high level of intensity; we’re a fast growing business, you need to be able to keep up! Nice to Have: Strong network with bankers Network within RBI Understanding of regulations for lending businesses. Show more Show less

QA - Automation Engineer NIRA is a fintech venture on a mission for financial inclusion. Our vision is a world where everyone can get access to credit in a manner that is fast, frictionless and fair. Today, we receive 5000 new loan applications daily from across 4000 cities in India, and we are growing 25% MoM. People reach us at their time of need, and we offer them credit via our app. Money reaches their bank account within 24 hrs of application. We are seeking a talented QA automation engineer to design testing procedures for our software applications. In this role, will be responsible for analyzing the functionality of applications and designing automated tests to validate their performance. You will also be required to identify bugs, install databases, and collaborate with the engineering team. Key Responsibilities Identify software weaknesses, edge cases, and potential failure points across systems. Design and implement automated test procedures to validate functionality, performance, and reliability. Review bug reports and logs to highlight problem areas and prevent regressions. Write robust automation scripts using tools like Selenium, JUnit, or Cypress . Collaborate with developers to design and validate backend logic , especially for AWS Lambda + DynamoDB-based microservices. Create and maintain test data and test databases , ensuring proper coverage for business scenarios. Troubleshoot automation software and optimize test execution and CI pipelines. Monitor software quality metrics, log defects, and deliver clear, actionable test reports . Participate in sprint planning, stand-ups, and release sign-off processes. What You’ll Need Bachelor’s degree in Computer Science , Software Engineering , or related field. 3- 5 years of Real Time experience in Automation Testing with a strong focus on automation in backend and web/mobile environments. Strong programming skills in Java ; experience building automation for Java-based systems. Experience with automation frameworks such as Selenium, Cypress, JUnit, or NUnit . Solid understanding of CI tools like Jenkins , TeamCity , or GitHub Actions. Familiarity with AWS services such as Lambda, DynamoDB, CloudWatch, and S3 . Proficient in Object-Oriented Analysis & Design (OOAD) and test architecture patterns. Comfortable with API testing tools like Postman , REST Assured , or Swagger. Design and implement automated test procedures to validate data , functionality, performance, and reliability. Detail-oriented with strong debugging, analytical, and documentation skills. Effective communication and cross-functional collaboration abilities. Nice to Have Exposure to fintech, lending, or compliance-focused applications. Working knowledge of NoSQL databases like DynamoDB. Experience with load testing and performance profiling tools.

Job Title: Growth Product Manager (6y+) Location: Bengaluru, India (On-site) Function: Product | Growth NIRA is building the leading financial brand for Middle India, a market of 200 million people underserved by traditional banks. With customers in 5,000+ cities & with growth engine on, we process 15,000 new loan applications daily, growing 12-15% MoM. NIRA is solving a massive problem with technology-first lending, offering instant credit via our mobile app. At present, the fulfilment of loans happens via our banks and NBFCs that we have risk sharing partnerships with. In future we’ll lend on our own balance sheet as well as undertake co-lending models. Role Overview As a Growth Product Manager, you will own the strategy, roadmap, and execution of initiatives that drive user acquisition, activation, and retention. You’ll sit at the intersection of product, data, partnerships, and marketing - building conversion-optimized user journeys and scaling via NBFC and MarTech integrations. To be effective in the role, you’ll ruthlessly prioritize the 20% of effort that drives 80% of results. Working closely with Engineering, Credit, and Operations, you’ll proactively spot execution risks, surface trade-offs early, and keep teams aligned from scoping to shipping. Key Responsibilities NBFC & API Integration Lead product initiatives that accelerate NBFC partner integrations (onboarding, disbursals, repayment flows). Own the end-to-end experience and execution for new partner lender onboarding (KYC, policy throughput optimisation, compliance and disbursal TAT). Funnel Optimization Own conversion metrics across onboarding, application, loan journey, and repayments. Design and test A/B experiments across the user journey. Partner with design to address drop-offs and improve user intent capture. MarTech Infrastructure Drive integration of tools like Mixpanel, MoEngage, CleverTap, or in-house stack. Set up event tracking and automated journeys across SMS, WhatsApp, push, and email. Work closely with growth marketing to enhance re-engagement and upsell strategies. Skills & qualifications Bachelor’s or Master’s in Mathematics, Analytics, or a related quantitative discipline. Proficiency in Python (or another statistical programming language) and SQL, with strong quantitative skills. Proven ability to interpret complex data accurately and deliver actionable results. 6+ years of product/growth experience in fintech, lending, or B2C tech. Strong understanding of NBFC/loan lifecycle flows and evolving data & regulatory compliance Fluency with analytics tools (Amplitude, BigQuery, GA4) and experimentation frameworks. Ability to thrive in high-ownership, cross-functional environments. Do business training and drive the team towards business oriented thinking and outcomes.

Thank you for taking the time to look at NIRA, an exciting fintech startup which, starting with credit, is building financial services for India’s mass market. Today, if you were to think of the largest financial brands in India, you’d think of the banks: HDFC, ICICI, Kotak etc. They all serve the richest cohort of India’s society. Over the last few years some newer brands have emerged that target upwardly mobile millennials; think Slice, MoneyView, Uni Cards etc. The mass market, or Middle India, remains a white space. This is the gap that NIRA is looking to fill. Launched in 2018, NIRA has found a very strong product market fit, and has established itself as the category leader for the mass market segment. Since the passing of Covid, the company is growing very quickly; we’ve averaged a monthly growth rate of 17% for the last 20 months. We’re looking to grow another 3x before the end of 2023, and a further 3x in 2024. This is a huge market, we need to go after it. Our fundamentals are robust: we are unit positive on our loans, and expect to turn profitable in the next 3 to 4 months. This is a real business with a very strong foundation. Beyond personal loans, we are looking to introduce a second product this year, and more will follow. NIRA will become the holistic provider of financial services for Middle India. NIRA is looking to bring on board a Director of Finance to help us take the business to the next level, while maintaining tight control and discipline around our finances. The successful candidate will be considered a mid-senior level hire, and will work closely with the founders in all aspects of financial control and strategy. If you're looking for a dynamic and challenging role on the cutting edge of the financial services industry, and a chance to grow with the firm, then this could be the seat for you. Roles and Responsibilities: Work with founders to make financial plans (forecasting) and strategy Financial performance evaluation /variance analysis, KPIs for the business Loan book management Cash flow & working capital management Preparation of key financial metrics for investors and management Ensuring timely reconciliations and invoice collections with our debt funding partners Responsible for company accounts and financial reporting as per regulatory requirements Fundraising strategy/ Capital structure optimisation (debt, venture debt, equity) Develop accounting policies to maintain and strengthen internal controls Drive key finance initiatives to improve performance and facilitate business growth Actively identify opportunities to improve cost structure & unit costs Coordinate with auditors / diligence teams to successfully close audits Vendor management (we use multiple 3rd party services so need to manage these expenses) Oversee a small team of finance professionals. Desired Skills, Qualifications and Attributes: CA qualified with 10+ yrs experience Experience in an NBFC would be considered an added advantage Experience in a fast growing startup is preferred* Demonstrated experience in financial leadership role for at least 2 years Financial / cashflow modeling Strong ability to collaborate, problem solve, and work with multiple teams. Sharp commercial sense Detail oriented / meticulous Excellent written and oral communication skills Highly data driven and analytical approach in problem solving Drive for excellence across all aspects of work Proficient use of tools such as Excel and Tally Willingness to work at a high level of intensity; we’re a fast growing business, you need to be able to keep up! Nice to Have: Strong network with bankers Network within RBI Understanding of regulations for lending businesses.

Job Title: Growth Product Manager (8y+) Location: Bengaluru, India (On-site) Function: Product | Growth NIRA is building the leading financial brand for Middle India, a market of 200 million people underserved by traditional banks. With customers in 5,000+ cities & with growth engine on, we process 15,000 new loan applications daily, growing 12-15% MoM. NIRA is solving a massive problem with technology-first lending, offering instant credit via our mobile app. Role Overview As a Growth Product Manager, you will own the strategy, roadmap, and execution of initiatives that drive user acquisition, activation, and retention. You’ll sit at the intersection of product, data, partnerships, and marketing - building conversion-optimized user journeys and scaling via NBFC and MarTech integrations. At present, the fulfilment of loans happens via our banks and NBFCs that we have risk sharing partnerships with. In future we’ll lend on our own balance sheet as well as undertake co-lending models. To be effective in the role, you’ll strive to distill the insights that truly drive impact and focus on the 20% of effort delivering 80% of results. Partnering with Engineering, Credit, and Operations, you’ll turn complex trade-offs into clear decisions and keep teams aligned through every stage of delivery. Key Responsibilities Funnel Optimization Build robust analytics across the loan lifecycle. Own and drive conversion metrics for onboarding, application, decisioning, and disbursals. Design, implement, and analyze A/B experiments across the user journey. Collaborate with Design to reduce drop-offs and enhance user intent capture. MarTech & Growth Architect and optimize the growth stack (Mixpanel, MoEngage, CleverTap, or bespoke tools) across acquisition, onboarding, and lifecycle marketing. Own recurring revenue triggers and upsell campaigns to maximize value from the existing customer base. NBFC & API Integration Lead product initiatives that accelerate partnership launches, including onboarding, disbursals, and repayment flows. Own the end-to-end experience for new partner lender onboarding (KYC, policy throughput optimization, compliance, and disbursal turnaround). Why This Role Matters High-impact visibility: Lead mission-critical integrations and user journeys that directly drive revenue and growth. Ownership & autonomy: Take charge from onboarding to retention loops, working across design, tech, compliance, and marketing. Data-driven experimentation: Champion rapid iteration, A/B testing, and a culture of continuous improvement. Cross-functional collaboration: Partner with top talent in engineering, credit, data, and marketing within a fast-scaling fintech. Build for Bharat: Decode the behaviors of India’s mass middle segment while leveraging some of the world’s most cutting-edge financial services rails. Skills & qualifications Bachelor’s or Master’s in Mathematics, Analytics, or a related quantitative discipline. Proficiency in Python (or another statistical programming language) and SQL, with strong quantitative skills. Proven ability to interpret complex data accurately and deliver actionable results. 6+ years of product/growth experience in fintech, lending, or B2C tech. Understanding of NBFC/loan lifecycle flows and evolving data & regulatory compliance is a strong plus. Fluency with analytics tools (Amplitude, BigQuery, GA4) and experimentation frameworks. Ability to thrive in high-ownership, cross-functional environments. Do business training and drive the team towards business oriented thinking and outcomes.

Head of Compliance Location: Bangalore, India Industry : Fintech / Non-Banking Financial Company (NBFC) About NIRA NIRA is an exciting fintech startup which, starting with credit, is building financial services for India’s mass market. Today, if you were to think of the largest financial brands in India, you’d think of the banks: HDFC, ICICI, Kotak etc. They all serve the richest cohort of India’s society. Over the last few years some newer brands have emerged that target upwardly mobile millennials; think Slice, Moneyview, Uni Cards etc. The mass market, or Middle India, remains a white space. This is the gap that NIRA is looking to fill. Launched in 2018, NIRA has found a very strong product market fit, and has established itself as the category leader for the mass market segment. Since the passing of Covid, the company grew quickly and achieved profitability in 2023. Last year brought some challenging headwinds, but we weathered those well and are well placed for our next phase of growth. This is a huge market, we need to go after it. Beyond personal loans, we’ll introduce both new credit and non-credit products. NIRA will become the holistic provider of financial services for Middle India. Role Overview: As our Head of Compliance, you will be responsible for ensuring NIRA’s compliance with all applicable regulatory requirements, including those set forth by the Reserve Bank of India (RBI). You will play a crucial role in the ongoing development, implementation, and management of NIRA’s compliance framework, helping the company navigate regulatory challenges in a rapidly evolving fintech landscape. This role requires someone with a deep understanding of RBI regulations, experience in an NBFC, and a hands-on approach to solving compliance-related challenges in a startup environment. Key Responsibilities: Lead the development and implementation of the compliance program across the organization, ensuring adherence to RBI regulations and other relevant laws. Monitor and analyze regulatory changes and provide strategic advice to senior leadership regarding the implications for NIRA’s operations. Conduct regular compliance audits, risk assessments, and internal reviews to identify and mitigate potential regulatory risks. Act as the primary liaison with regulatory bodies, including the RBI, and manage external compliance audits. NBFC and partner coordination: act as our point of contact for our lending‑partner NBFCs; answering due‑diligence questionnaires, sharing MI reports and coordinating joint audits. Design and implement compliance training programs for staff, ensuring all team members are informed about relevant regulations and NIRA’s compliance obligations. Work closely with other departments (legal, operations, finance) to ensure alignment on compliance and regulatory matters. Develop and maintain documentation related to compliance policies, procedures, and controls. Provide hands-on leadership and oversight of compliance-related activities, including developing reports and conducting investigations into potential compliance breaches. Required Skills & Qualifications: Experience: Minimum of 8 years of experience in compliance, with at least 3 years in the financial services industry. RBI Expertise: In-depth knowledge and practical experience with RBI regulations, particularly in the context of digital lending and NBFC operations. NBFC Experience: Prior experience working in an NBFC is highly preferred. Leadership: ability to take ownership of and strengthen the compliance culture within the organization. Startup Experience: Experience working in a fast-paced startup environment is advantageous. Hands-On Approach: Must be willing and able to roll up sleeves and tackle compliance challenges at all levels of the organization. Education: A degree in Law, Finance, or a related field. Additional certifications related to compliance or regulatory affairs are desirable. Skills: Strong communication, problem-solving, and organizational skills. Ability to navigate complex regulatory environments while balancing business needs.

QA - Automation Engineer NIRA is a fintech venture on a mission for financial inclusion. Our vision is a world where everyone can get access to credit in a manner that is fast, frictionless and fair. Today, we receive 5000 new loan applications daily from across 4000 cities in India, and we are growing 25% MoM. People reach us at their time of need, and we offer them credit via our app. Money reaches their bank account within 24 hrs of application. We are seeking a talented QA automation engineer to design testing procedures for our software applications. In this role, will be responsible for analyzing the functionality of applications and designing automated tests to validate their performance. You will also be required to identify bugs, install databases, and collaborate with the engineering team. Key Responsibilities Identify software weaknesses, edge cases, and potential failure points across systems. Design and implement automated test procedures to validate functionality, performance, and reliability. Review bug reports and logs to highlight problem areas and prevent regressions. Write robust automation scripts using tools like Selenium, JUnit, or Cypress . Collaborate with developers to design and validate backend logic , especially for AWS Lambda + DynamoDB-based microservices. Create and maintain test data and test databases , ensuring proper coverage for business scenarios. Troubleshoot automation software and optimize test execution and CI pipelines. Monitor software quality metrics, log defects, and deliver clear, actionable test reports . Participate in sprint planning, stand-ups, and release sign-off processes. What You’ll Need Bachelor’s degree in Computer Science , Software Engineering , or related field. 4- 6 years of Real Time experience in Automation Testing with a strong focus on automation in backend and web/mobile environments. Experience in Appium Strong programming skills in Java ; experience building automation for Java-based systems. Experience with automation frameworks such as Selenium, Cypress, JUnit, or NUnit . Solid understanding of CI tools like Jenkins , TeamCity , or GitHub Actions. Familiarity with AWS services such as Lambda, DynamoDB, CloudWatch, and S3 . Proficient in Object-Oriented Analysis & Design (OOAD) and test architecture patterns. Comfortable with API testing tools like Postman , REST Assured , or Swagger. Design and implement automated test procedures to validate data , functionality, performance, and reliability. Detail-oriented with strong debugging, analytical, and documentation skills. Effective communication and cross-functional collaboration abilities. Nice to Have Exposure to fintech, lending, or compliance-focused applications. Working knowledge of NoSQL databases like DynamoDB. Experience with load testing and performance profiling tools.

NIRA - Finance director : Thank you for taking the time to look at NIRA, an exciting fintech startup which, starting with credit, is building financial services for Indias mass market. Today, if you were to think of the largest financial brands in India, youd think of the banks: HDFC, ICICI, Kotak etc. They all serve the richest cohort of Indias society. Over the last few years some newer brands have emerged that target upwardly mobile millennials; think Slice, MoneyView, Uni Cards etc. The mass market, or Middle India, remains a white space. This is the gap that NIRA is looking to fill. Launched in 2018, NIRA has found a very strong product market fit, and has established itself as the category leader for the mass market segment. Since the passing of Covid, the company is growing very quickly; weve averaged a monthly growth rate of 17% for the last 20 months. Were looking to grow another 3x before the end of 2023, and a further 3x in 2024. This is a huge market, we need to go after it. Our fundamentals are robust: we are unit positive on our loans, and expect to turn profitable in the next 3 to 4 months. This is a real business with a very strong foundation. Beyond personal loans, we are looking to introduce a second product this year, and more will follow. NIRA will become the holistic provider of financial services for Middle India. NIRA is looking to bring on board a Director of Finance to help us take the business to the next level, while maintaining tight control and discipline around our finances. The successful candidate will be considered a mid-senior level hire, and will work closely with the founders in all aspects of financial control and strategy. Responsibilities If you're looking for a dynamic and challenging role on the cutting edge of the financial services industry, and a chance to grow with the firm, then this could be the seat for and Responsibilities: Work with founders to make financial plans (forecasting) and strategy Financial performance evaluation /variance analysis, KPIs for the business Loan book management Cash flow & working capital management Preparation of key financial metrics for investors and management Ensuring timely reconciliations and invoice collections with our debt funding partners Responsible for company accounts and financial reporting as per regulatory requirements Fundraising strategy/ Capital structure optimisation (debt, venture debt, equity) Develop accounting policies to maintain and strengthen internal controls Drive key finance initiatives to improve performance and facilitate business growth Actively identify opportunities to improve cost structure & unit costs Coordinate with auditors / diligence teams to successfully close audits Vendor management (we use multiple 3rd party services so need to manage these expenses) Oversee a small team of finance Skills, Qualifications and Attributes: CA qualified with 10+ yrs experience Experience in an NBFC would be considered an added advantage Experience in a fast growing startup is preferred Demonstrated experience in financial leadership role for at least 2 years Financial / cashflow modeling Strong ability to collaborate, problem solve, and work with multiple teams. Sharp commercial sense Detail oriented / meticulous Excellent written and oral communication skills Highly data driven and analytical approach in problem solving Drive for excellence across all aspects of work Proficient use of tools such as Excel and Tally Willingness to work at a high level of intensity; were a fast growing business, you need to be able to keep up! Nice To Have Strong network with bankers Network within RBI Understanding of regulations for lending businesses (ref:iimjobs.com)