Job Title: Sr. Business Analyst – Credit Underwriting Product: CART (Credit Analysis and Risk Assessment Tool) Location: Noida, India Company: Novel Patterns Private Limited Experience Required: Minimum 5+ years in Credit Underwriting, preferably as a Business Analyst within a Bank/NBFC About Us Novel Patterns is a leading fintech company specializing in cutting-edge credit underwriting solutions. Our flagship product, CART , revolutionizes credit assessment through data-driven automation and intelligent risk analysis. Serving banks, NBFCs, and digital lenders, we help financial institutions make faster, more accurate lending decisions. We are seeking an experienced and motivated Senior Business Analyst to join our team and contribute to the continued growth and innovation of the CART platform. Role Overview As a Senior Business Analyst in the Credit Underwriting domain, you will act as a critical link between business stakeholders and the technical development team. Your role will involve gathering and analyzing requirements, conducting credit data assessments, and shaping CART’s functionality to align with client needs. A deep understanding of Bank Statements, ITRs, GST, CIBIL (Consumer & Commercial), and CAMs from a credit underwriting perspective is essential. Key Responsibilities Requirement Gathering: Collaborate with stakeholders to identify and prioritize business requirements for the credit underwriting lifecycle. Credit Data Analysis: Analyze financial documents and datasets to identify trends, patterns, and actionable insights for improving CART’s performance. Documentation: Prepare BRDs, use cases, and functional specifications. Maintain clear documentation throughout the project lifecycle. Stakeholder Liaison: Serve as the communication bridge between product owners, credit teams, and developers to ensure alignment. Testing & QA Support: Define acceptance criteria and assist QA teams in validating that delivered features meet business expectations. Process Optimization: Recommend and drive process improvements within CART to enhance automation, accuracy, and operational efficiency. Client Demos & Training: Conduct product demonstrations, onboarding, and training sessions for client teams. Risk Assessment Support: Contribute to the evaluation and mitigation of risks associated with credit policy changes and product upgrades. Market Research: Stay informed about fintech trends, regulatory changes, and emerging technologies relevant to credit and risk assessment. Qualifications & Skills Bachelor's degree in Business, Finance, Computer Science, or related field Advanced degrees such as CA/CMA/MBA in Finance are a plus 5+ years of experience in credit underwriting or financial services, preferably as a Business Analyst Proficiency in Excel, SQL, and data visualization tools Strong analytical and problem-solving skills Experience with BRD writing, Agile/Scrum methodologies, and project tracking tools (e.g., JIRA) Excellent communication skills with a focus on clarity and precision Exposure to credit risk modeling and compliance frameworks is an advantage Highly organized and detail-oriented Why Join Us? If you're passionate about driving innovation in credit underwriting and want to work on a high-impact fintech product, Novel Patterns offers the perfect platform for growth and challenge. CART is transforming how credit decisions are made - and you can be part of that transformation.
Job Title: Sales Associate (MBA Fresher, Marketing Background) Location: Noida (Work from Office) Experience: Fresher with internship/project experience welcome, Excellent communication skills required Openings: 1 Employment Type: Full-Time About Novel Patterns Novel Patterns is a B2B fintech organization that simplifies financial document analysis and underwriting automation for lenders. Our flagship product, CART – Bank Statement Analyzer , empowers NBFCs, Banks, and FinTechs with deep transactional insights to enhance credit decision-making and risk assessment. Role Overview We are looking for a Sales Associate (MBA Fresher) with a strong Marketing foundation and a flair for communication to support outreach and lead generation for our Financial Packaged platform in India, Southeast Asia, and Africa Regions . The ideal candidate will be confident in Outbound calls, understand customer challenges in credit assessment, and assist in product demos and follow-ups. Key Responsibilities Initiate Outbound calls and outreach via LinkedIn to potential Financial Target customers Present the Platform's product features and benefits to end customers as part of Presales Identify customer pain points related to Financial Analysis and risk evaluation for Loan Automation Schedule and assist in demos and coordinate with internal product experts Maintain CRM records, track conversations, and support follow-ups, Support sales proposals, case studies, and documentation for client onboarding Qualifications MBA in Marketing (2024/2025 batch pass-out) Basic knowledge of Loan Lifecycle , credit risk , and financial documents Excellent verbal and written communication skills Interest in inside sales , cold calling, and B2B relationship building Proficient in MS Excel, PowerPoint; knowledge of CRM tools is a plus Comfortable working from our Noida office and engaging with external stakeholders Open to Travel What We Offer Hands-on experience in fintech B2B SaaS sales Exposure to client-facing discussions and product demos Mentorship from experienced business and product leads Opportunity to grow into core sales or account management roles
Novel Patterns seeks experienced Senior Java Developers to join our Noida team. The ideal candidate will have 5-10 years of experience in Java development and will play a crucial role in designing, developing, and maintaining our Java-based applications. This role requires strong technical expertise in Core Java, multithreading, Spring/Spring Boot, databases, and working collaboratively across teams. Location : Noida Position Type : Full-Time Experience : 5 to 10 Education : Bachelor’s degree in Computer Science, Software Engineering, or a related field with at least 60% marks. Salary : As per industry standards Key Responsibilities : Server-Side Development : Design, develop, and maintain robust backend solutions using Core Java, Spring, RESTful services, and SQL. Database Management : Work extensively with relational databases to manage data efficiently. API Integration : Develop and maintain APIs, ensuring seamless communication between the front and back end. Performance Optimization : Troubleshoot and optimize backend processes for performance, scalability, and security. Code Quality & Reviews : Write and review clean, efficient, and maintainable code. Documentation : Document backend processes, technical specifications, and APIs. Collaboration : Work closely with front-end developers and other teams to integrate front-end components with the backend. Qualifications : Bachelor’s degree in Computer Science, Software Engineering, or a related field. 6-8 years of professional experience in backend Java development. Strong understanding of Java, Spring/Spring Boot, Hibernate, and SQL. Experience with RESTful services and API development. Familiarity with cloud technologies and microservices architecture is a plus. Excellent problem-solving skills and attention to detail. Strong communication and teamwork abilities.
Key Responsibilities: Digital Marketing Manager Scalable Demand Generation •Deliver 3–5x YoY growth in marketing-sourced pipeline through integrated campaigns and ABM strategies. •Improve MQL → SQL conversion rates by 25% via lead scoring, nurturing, and tighter sales alignment. •Build a predictable demand engine leveraging paid, organic, and partner-led channels. Global Brand Positioning • Reposition the company as a thought leader in the target category through strategic content, executive visibility, and category creation initiatives. • Drive a 3x increase in brand mentions, media hits, and analyst visibility across key markets. • Launch a refreshed global brand narrative and visual identity aligned with business growth priorities. Product Marketing Maturity • Launch a robust competitive messaging and positioning framework to differentiate in a crowded Fincial tech market. • Equip sales with localized enablement toolkits (battle cards, pitch decks, objection handling) across 3 priority geographies. • Establish a regular cadence of product launch GTM plans with aligned campaign rollouts. Team Building & Structure • Build and retain a high-performing team across demand gen, product marketing, content, brand, and ops. GTM Partnership • Integrate closely with Sales, Product, and Customer Success to drive a unified GTM strategy aligned with market and customer needs. • Co-own pipeline generation and velocity goals with the CRO through shared KPIs and synchronized GTM planning. Marketing Tech Stack Optimization & Innovation • Streamline the Martech stack to reduce costs by 20% while improving campaign efficiency and attribution accuracy. • 0->1 thinking capability and execution for new age marketing channels like Podcasts, Events management and others for overall PR Management Functional KPIs: •40% of total qualified pipeline influenced or sourced by marketing •Increase conversion rate by 25% through optimized scoring, nurturing, and hand-off processes •Achieve predefined CTR, CPL, and ROI benchmarks for paid, organic, and ABM campaigns. •Timely rollout of enablement assets (battle cards, pitch decks, competitor briefs) for new products or key geographies •Reduce cost by 20% while increasing automation, lead attribution accuracy, and campaign velocity. Strategic KPIs : •3–5x YoY Growth in Marketing-Sourced Pipeline •Achieve 3x increase in brand awareness metrics (media hits, analyst mentions, SOV) in target markets •Launch competitive messaging framework and enablement assets across 3 core regions and product lines •Execute joint GTM plans that align with product roadmap and deliver predictable pipeline and revenue acceleration Key Competencies: •Strategic Thinking – Can design and execute global marketing strategy aligned with business growth and category creation. •B2B SaaS Expertise – Deep understanding of subscription/SaaS metrics, sales cycles (esp. complex deals), and funnel performance. •Demand Gen Mastery – Hands-on experience scaling demand gen programs (ABM, performance, lifecycle) with measurable results. •Brand Storytelling – Exceptional at articulating brand narrative across global regions while localizing as needed. •Product Marketing Depth – Strong capability in crafting positioning, personas, competitive intelligence, and sales enablement. •Global Mindset – Experience leading multicultural teams, entering new markets, and managing localization strategies. •Data-Driven Decision Making – Uses KPIs and marketing analytics to prioritize, justify spend, and course-correct. Education & Work Experience: •MBA in Marketing, Strategy, or a related field from a Tier-1/2 business school •bachelor’s degree in business, Engineering, or related discipline required. •10+ years of progressive marketing leadership experience, including 4-5 years in a leadership marketing role
Job Title: Lead Data Scientist Location: Noida (On-site) Employment Type: Full-time About the Organization: Novel Patterns is at the forefront of leveraging cutting-edge technologies to deliver AI-driven business insights and operational excellence. We specialize in innovative fintech solutions, including AI-based image analytics for credit assessment and risk management. Our robust frameworks integrate big data, IoT, and traditional analytics to optimize operations and decision-making across diverse sectors such as Banking & Finance, Healthcare, Manufacturing, Logistics, Insurance, and more. By harnessing AI and cloud platforms, we build scalable, cost-effective solutions that solve complex industry challenges. Role Overview: We are seeking a highly skilled Lead Data Scientist to join our dynamic team in Noida. This pivotal role involves leading the design, development, and deployment of advanced data models and analytics solutions. The ideal candidate will extract actionable insights from vast and complex datasets, drive strategic data initiatives, and mentor a team of data scientists and analysts. This hands-on leader will collaborate closely with product managers, engineers, and business stakeholders to continuously advance Novel Patterns' AI-driven products and framework. Key Responsibilities: Lead end-to-end data science projects from problem formulation to model deployment and monitoring. Develop, validate, and implement predictive models, machine learning algorithms, and statistical analyses tailored to fintech and cross-industry applications. Analyze large-scale structured and unstructured datasets to discover trends, anomalies, and actionable insights. Create compelling data visualizations and dashboards to communicate findings effectively to technical and non-technical audiences. Collaborate with cross-functional teams to integrate data-driven solutions into business workflows and product offerings. Mentor junior data scientists, fostering a culture of continuous learning and innovation. Ensure the quality, accuracy, and robustness of all data-driven solutions and methodologies. Stay updated on the latest advancements in AI, machine learning, data science, and fintech domains to drive innovation. Participate in infrastructure planning, including data architecture and cloud-based analytics environments. Contribute to client engagements, understanding their business needs and tailoring solutions accordingly. Qualifications and Skills: Advanced degree (Master’s or PhD) in Data Science, Statistics, Computer Science, Mathematics, or related quantitative field. Extensive experience (8+ years) in data science and analytics, preferably with leadership responsibilities. Strong proficiency in statistical analysis, machine learning algorithms, and AI techniques. Hands-on exposure for creating base models Familiarity with fintech industry challenges, especially in credit risk, fraud detection, or financial modeling, is a significant advantage. Excellent analytical thinking, problem-solving skills, and attention to detail. Strong communication and interpersonal skills, with an ability to collaborate effectively across teams. Proven track record of delivering scalable, maintainable AI solutions in production environments. Ability to manage multiple projects and prioritize tasks in a fast-paced environment. What We Offer: Opportunity to work on cutting-edge AI and data science projects impacting multiple industries. Collaborative and inclusive work environment fostering creativity and growth. Competitive salary and benefits package. Professional development opportunities and support for continuous learning.
About the Organization: Novel Patterns is at the forefront of leveraging cutting-edge technologies to deliver AI-driven business insights and operational excellence. We specialize in innovative fintech solutions, including AI-based image analytics for credit assessment and risk management. Our robust frameworks integrate big data, IoT, and traditional analytics to optimize operations and decision-making across diverse sectors such as Banking & Finance, Healthcare, Manufacturing, Logistics, Insurance, and more. By harnessing AI and cloud platforms, we build scalable, cost-effective solutions that solve complex industry challenges. Role Overview: We are seeking a highly skilled Lead Data Scientist to join our dynamic team in Noida. This pivotal role involves leading the design, development, and deployment of advanced data models and analytics solutions. The ideal candidate will extract actionable insights from vast and complex datasets, drive strategic data initiatives, and mentor a team of data scientists and analysts. This hands-on leader will collaborate closely with product managers, engineers, and business stakeholders to continuously advance Novel Patterns' AI-driven products and framework. Key Responsibilities: Lead end-to-end data science projects from problem formulation to model deployment and monitoring. Develop, validate, and implement predictive models, machine learning algorithms, and statistical analyses tailored to fintech and cross-industry applications. Analyze large-scale structured and unstructured datasets to discover trends, anomalies, and actionable insights. Create compelling data visualizations and dashboards to communicate findings effectively to technical and non-technical audiences. Collaborate with cross-functional teams to integrate data-driven solutions into business workflows and product offerings. Mentor junior data scientists, fostering a culture of continuous learning and innovation. Ensure the quality, accuracy, and robustness of all data-driven solutions and methodologies. Stay updated on the latest advancements in AI, machine learning, data science, and fintech domains to drive innovation. Participate in infrastructure planning, including data architecture and cloud-based analytics environments. Contribute to client engagements, understanding their business needs and tailoring solutions accordingly. Qualifications and Skills: Advanced degree (Master’s or PhD) in Data Science, Statistics, Computer Science, Mathematics, or related quantitative field. Extensive experience (8+ years) in data science and analytics, preferably with leadership responsibilities. Strong proficiency in statistical analysis, machine learning algorithms, and AI techniques. Hands-on exposure for creating base models Familiarity with fintech industry challenges, especially in credit risk, fraud detection, or financial modeling, is a significant advantage. Excellent analytical thinking, problem-solving skills, and attention to detail. Strong communication and interpersonal skills, with an ability to collaborate effectively across teams. Proven track record of delivering scalable, maintainable AI solutions in production environments. Ability to manage multiple projects and prioritize tasks in a fast-paced environment. What We Offer: Opportunity to work on cutting-edge AI and data science projects impacting multiple industries. Collaborative and inclusive work environment fostering creativity and growth. Competitive salary and benefits package. Professional development opportunities and support for continuous learning.