As a developer/product manager at SmartCoin, you will use the latest technologies to create amazing, customer-focused products.Come help us re-imagine our solutions to provide world-class, best of breed solutions to delight our customers. Make a major impact on the FinTech industry. Job Responsibilities, KRAs Working on scouting partnerships for the personal loan and non-personal loan segment Onboarding partnerships right from the discussion phase to closing operations process to discussing with tech and making partners live Analyzing data and providing insights on the given problem statements Qualifications Analytical mindset and problem-solving come naturally to you A desire to understand consumer behavior and mindset SQL Basic understanding to write and run queries

Include call monitoring and providing actionable insights Through monitoring, a QA analyst gathers information to improve agent performance As the QA monitors the customer interactions, they use evaluation forms to capture insights from these interactions Performs monitors of customer calls Participates in customer and client listening programs to identify customer needs and expectations Provides actionable data to various internal support groups as needed Coordinates and facilitates call calibration sessions for call center staff Lead process improvement projects that helped operations meet and exceed quality standards and streamline processes to reduce cost Created and revised procedures, checklist and job aids that resulted in process consistency and reduced error disputes

Your Role as Credit Ops Executive: As a Credit Ops Executive, you will be essential in supporting our risk team by auditing and conducting hindsight reviews of the personal loan underwriting process. Additionally, you will play a key role in manual underwriting for personal loans, ensuring robust and thorough assessments. 1. Credit Underwriting: Conduct thorough credit assessments to evaluate the creditworthiness of loan applicants. Review and analyze personal loan applications, assessing financial statements, credit reports, and cash flow projections. Utilize advanced credit scoring models and strategies for informed decision-making. 2. Risk Analysis Hindsight: Identify and evaluate potential risks in loan applications and develop effective risk mitigation Insights. Recommend appropriate loan terms and conditions, ensuring alignment with Olyv s risk policies. Make timely and well-justified decisions on loan approvals, declines, and counter-offers. Collaborate with risk and tech teams to support credit decisions and troubleshoot technical issues. 3. Continuous Improvement: Stay updated with the latest industry trends, regulatory changes, and best practices in credit risk assessment. Propose innovative process improvements to enhance credit assessment procedures. 4. Reporting: Prepare detailed reports on credit portfolio performance, delinquencies, and risk exposure for management insights. Who You Are: You have 0.6 to 1 years of experience in credit operations or underwriting. You hold a graduate degree. You possess expertise in underwriting, and secured/unsecured loans, and have proficiency in Excel and basic SQL. Preferred: Experience in lending and portfolio management strategies.

- Understand the credit policies for various Banks and NBFCs in the Indian lending space - Provide thought-leadership on improving customer acquisition strategies, developing statistical credit models, and communicating analytical and credit ideas - Monitoring existing models by designing tests and experiments to measure and evaluate customer credit behavior - Monitor the acquisitions funnel, model performance and portfolio trends to develop strategic lending and business insight - Work with technology and business team to build out new credit acquisition and risk management capabilities and refine existing ones - Ideate and help launch next-generation lending products and structures that will drive the next round of innovation - Monitoring monthly transactions and provide a report on planning and risk management Desired Candidate Profile: - 2+ Years of experience in credit-policy, underwriting strategies, and risk modeling - Experience in credit risk for short-term unsecured loan products as personal loans and credit cards, in the Indian market - Experience in developing lending, customer acquisitions and/or portfolio management strategies - Proficiency in analytical skills with SQL, Excel and BI dashboards. Programming knowledge of Python, R is a bonus. - Comfort in re-defining frontiers and passion for doing cutting-edge work in unsecured credit risk.

- Understand the credit policies for various Banks and NBFCs in the Indian lending space - Provide thought-leadership on improving customer acquisition strategies, developing statistical credit models, and communicating analytical and credit ideas - Monitoring existing models by designing tests and experiments to measure and evaluate customer credit behavior - Monitor the acquisitions funnel, model performance and portfolio trends to develop strategic lending and business insight - Work with technology and business team to build out new credit acquisition and risk management capabilities and refine existing ones - Ideate and help launch next-generation lending products and structures that will drive the next round of innovation - Monitoring monthly transactions and provide a report on planning and risk management Desired Candidate Profile: - 3 - 4 Years of experience in credit-policy, underwriting strategies, and risk modeling - Experience in credit risk for short-term unsecured loan products as personal loans and credit cards, in the Indian market - Experience in developing lending, customer acquisitions and/or portfolio management strategies - Proficiency in analytical skills with SQL, Excel and BI dashboards. Programming knowledge of Python, R is a bonus. - Comfort in re-defining frontiers and passion for doing cutting-edge work in unsecured credit risk.

The Product Manager will be responsible for planning, executing and concluding the product / projects. They need to ensure that projects are finished on time, within budget and meet the expected quality standards. Key Responsibilities: 1. Project Planning and Coordination: Assist the Product Manager in defining project scope, goals, and deliverables. Develop detailed project plans, including timelines, resource allocation, and risk management. Coordinate with cross-functional teams to ensure project requirements are met. 2. Product Development Support: Collaborate with the Product Manager to gather and document product requirements from stakeholders. Assist in creating and maintaining product roadmaps and backlogs. Support the Product Manager in prioritizing features and enhancements based on business value and customer feedback. 3. Execution and Monitoring: Monitor project progress and make adjustments as needed to ensure successful completion. Track project performance, specifically to analyze the successful completion of short and long-term goals. Report and escalate issues to management as needed. 4. Stakeholder Management: Maintain clear and effective communication with stakeholders, including team members, clients, and senior management. Prepare and present regular status reports, project updates, and presentations. 5. Documentation and Compliance: Maintain comprehensive project documentation, including plans, reports, and records. Ensure all projects comply with regulatory requirements and company policies. 6. Product Launch and Post-Launch Support: Assist in the coordination of product launches, ensuring all teams are aligned and prepared. Monitor product performance post-launch and gather user feedback. Support the Product Manager in analyzing post-launch metrics and identifying areas for improvement. 7. Continuous Improvement: Identify areas for improvement in project management processes and recommend solutions. Stay updated with industry trends and best practices in project management and fintech lending. 8. Vendor Management: Coordinate with Product Manager in identifying the right set of vendors for a particular module/feature Coordinate with the Business Team in finalizing the pricing of the vendors Coordinate with the Accounts Team in handling invoicing of the vendor. Ensuring high availability of product by aligning multiple vendors to handle the services. Qualifications: Bachelors degree in Business Administration, Finance, Information Technology, or a related field. 2+ years of experience in project management, preferably in fintech or financial services. Strong understanding of project management methodologies (e.g., Agile, Scrum, Waterfall). Proficiency in project management software (e.g., Jira, Asana, Trello). Experience in product management or supporting product development teams is highly desirable. Excellent organizational, multitasking, and time management skills. Strong communication and interpersonal skills. Ability to work effectively under pressure and meet tight deadlines. CAPM, PMP or PRINCE2 certification is a plus.

We are looking for an experienced Telesales Manager with a minimum of 5-6 years of Experience in Telesales 4-5 years of experience in handling a team of 50-100 callers in the Lending loan industry. As a telesales Manager, you will be responsible for setting weekly and monthly sales targets, designing and implementing sales strategies, and monitoring the performance of the sales team, you should have experience with telesales, advanced team-handling skills, and the ability to multitask. Roles Responsibilities: Data science-driven targeting of the users requires loans. Should have good knowledge of dialer, running campaigns over dialer. prioritizing campaigns, follow-ups, and required dialing attempts over dialer using data-driven strategies. Should be able to differentiate the attributions between the different marketing channels (calling, CRM, Performance), to find exact contributions by the calling alone on the similar data/user targeted through different marketing channels. Good knowledge of the user profile, which is the deciding factor for loan approvals. Work as a Telesales Manager- handling data and files, and checking the quality and productivity of the team. Driving sales targets by acquiring new clients and growing business from existing clients. Doing Daily call audits for the team, the agency, and the agents, and making necessary reports. Manage team and agency performance, related to the assigned process. To ensure all members of the team are fully informed of targets and current sales positions. To be a proactive member of the team and support all calls. To collate, analyze,and utilize call statistics to manage and improve the sales performance of the team. Good in Analytics and strategies. To ensure that the Call Center KPIs are met. Implementing sales strategies. Monitoring Evaluating the performance of the sales agencies. Setting weekly and monthly sales targets. Compiling and presenting sales reports. Skills and Requirements: Bachelor s degree. Should be Experience in telesales. Strong leadership and sales skills. Excel and PowerPoint knowledge is a must. Ability to multitask. Good verbal and written communication skills. Ability to work well under pressure. Ability to write and present reports. Strong organizational skills.

About the Role: As an SDE-II at Olyv, youll be a key contributor to our mission of Olyv. Youll work within a dynamic and collaborative team of experienced product managers, engineering leaders and business stakeholders to design, develop, and maintain high-quality software solutions that delight our customers. Qualifications - Education: Btech in Computer Science, Engineering Experience: 3+ years of experience in software development. Responsibilities: Design and Develop: Architect, design, and implement scalable, efficient, and maintainable software components. Agile Methodology: Embrace agile principles and practices to deliver features iteratively and incrementally. Technical Expertise: Demonstrate a strong understanding of software development concepts, tools, and technologies, including security, performance, reliability, and maintainability. Mentorship and Collaboration: Mentor junior engineers (SDE-1s), share knowledge, and foster a positive team culture. Continuous Improvement: Drive process improvements, reduce technical debt, and optimize development workflows. Quality Assurance: Ensure code quality through practices like code reviews, unit testing, and static analysis. CI/CD: Contribute to the implementation and maintenance of CI/CD pipelines for efficient software delivery. Requirements: 3+ years of professional software development experience, preferably in a product-based or consumer internet company. Proficient in Java, with a strong grasp of Java > 8 features and extensive hands-on experience. A deep understanding of object-oriented programming (OOP) concepts, design patterns, and data structures. Experience with frameworks like Spring Boot, play and cloud platforms (AWS, GCP, or Azure) and database technologies (MySQL, Oracle, MongoDB) and messaging queues like KAFKA/RabbitMQ. Excellent problem-solving, analytical, and debugging skills. A passion for building scalable and high-performance systems. A collaborative mindset and a commitment to delivering exceptional results. Additional Skills (Preferred): Knowledge of distributed systems and microservices architecture. Familiarity with DevOps practices and tools. Join our team and make a significant impact on our products and customers!

Maintain the discipline of the team in terms of Login/Logout and Breaks. Providing the detail information on the issues of customers related to Onboarding calls Auditing the calls of the teammates and looking for areas of improvement on calls. Giving the training to the new joinees as well as to the team in case it is required Maintain the leave request of the team members as per the workload with a proper tracking system. Looking into the requirement of the headcount as per the load,so that we can hire the staff accordingly.

Include call monitoring and providing actionable insights Through monitoring, a QA analyst gathers information to improve agent performance As the QA monitors the customer interactions, they use evaluation forms to capture insights from these interactions Performs monitors of customer calls Participates in customer and client listening programs to identify customer needs and expectations Provides actionable data to various internal support groups as needed Coordinates and facilitates call calibration sessions for call center staff Lead process improvement projects that helped operations meet and exceed quality standards and streamline processes to reduce cost Created and revised procedures, checklist and job aids that resulted in process consistency and reduced error disputes Experience- 1-2 years

Key Responsibilities: 1. Grievance Management: o Acknowledge, investigate, and resolve customer complaints within the prescribed turnaround time (TAT). o Maintain a robust grievance redressal system to track, monitor, and close complaints. o Communicate resolution outcomes to customers effectively and empathetically. 2. Regulatory Compliance: o Ensure adherence to RBI and other regulatory body guidelines on grievance redressal and customer interactions. o Regularly update grievance processes to align with changing regulatory requirements. o Prepare periodic reports for regulatory audits and internal reviews. 3. Customer Communication: o Act as the primary point of contact for escalated customer complaints. o Provide clear, concise, and timely updates to customers on their grievance status. o Draft and send professional communication for grievance closures. 4. Operational Oversight: o Collaborate with internal teams such as collections, Risk, FinOps, and customer service to resolve complaints. o Analyse complaint trends to identify process gaps and suggest improvements. o Conduct regular training sessions for teams on grievance handling and customer interaction best practices. 5. Documentation and Reporting: o Maintain detailed records of all grievances and their resolution. o Generate monthly/quarterly reports on grievance metrics, including root cause analysis and resolution rates. o Present actionable insights to management for policy and process enhancement. 6. Stakeholder Collaboration: o Liaise with legal and compliance teams for complaints involving legal implications. o Work closely with partner institutions, if applicable, to address grievances involving multiple stakeholders.

Ensure appropriate infrastructure and resource availability in vendors to carry out collections as per operating plan Formulate collection strategies for the dpd basis as well as per market dynamics, portfolio spread/segmentation and business requirements Identify critical /non performing segments and ensure appropriate legal hardship tools are applied to them for satisfactory resolution Conduct regular performance review with all vendors, Agency supervisors callers for all critical metrics to track the portfolio health and ensure healthy process Monitor field collections by bucket/vintage/region to ensure cost adherence in operations and achieve cost efficiencies Ensure adherence to Compliance Policy, Collections processes and Audit requirements, Code and conduct and maintaining standards to achieve customer satisfaction Ensure proper recourse mechanism is followed to resolve customer complaints in a timely and satisfactory manner Ensure 100 % coverage of cases of allocated Ensure monthly cost provisions are reported to Finance team as per timelines Identify upcoming markets in accordance with the Sales growth plan and evaluate setting up/expanding operations basis volumes; Raise timely red flags on sourcing quality in new markets ensuring portfolio hygiene Participate strategically and tactically in development and implementation of portfolio treatments to maximize collection for the portfolio and increase resolution/extraction Perform peer benchmarking to create competitive infrastructure and deliver best in class performance on key metrics such as Credit Recovery as a percentage of Principle Credit Charge Offs, Gross write-offSettlement loss rates, rate of recovery

Key Responsibilities: Daily Operations Management : Oversee the day-to-day activities on the floor, ensuring all operations run smoothly and efficiently. Team Supervision: Lead and support team members, providing guidance and fostering a collaborative work environment. Performance Monitoring: Track and analyse key performance metrics, providing feedback and implementing improvements as necessary. Process Optimization: Identify areas for operational improvement and collaborate with management to implement best practices. Training and Onboarding: Assist in the training and onboarding of new team members, ensuring they understand processes and expectations. Issue Resolution: Act as a point of contact for escalated issues, working to resolve them quickly and effectively. Reporting: Maintain accurate records of floor activities and prepare reports for management to inform decision-making. Collaboration: Work closely with other departments to ensure alignment on operational goals and customer satisfaction. Compliance: Ensure adherence to company policies and procedures, maintaining a safe and organized work environment. Qualifications: Bachelor s degree in Business, Operations, or a related field preferred. 2 to 4 years of experience in floor management from BPO industry or collection. Managing and Supervising the tele-calling team, Ensuring a smooth flow of work. Strong organizational and leadership skills. Candidate has to be well-spoken and comfortable in stakeholder management . Proficiency in using operational software and tools. Ability to analyse data and identify trends for improvement. What We Offer: Competitive salary and benefits package Opportunities for career advancement and skill development A dynamic and supportive work environment

We are seeking a motivated and enthusiastic Human Resources Intern to join our HR team. As an HR Intern, you will assist with a variety of tasks that support the HR department in its day-to-day operations. This is a fantastic opportunity for individuals looking to gain hands-on experience in HR practices and develop a deeper understanding of HR functions within a fast-paced business environment. Key Responsibilities: Recruitment Support: Assist in the recruitment process by screening resumes, scheduling interviews, and coordinating candidate communication. On boarding: Help with the preparation of new hire documentation and assist with the onboarding process for new employees. Attendance Management: Maintain and update employee files, ensuring all information is accurate and compliant. HR Administration: Assist with HR administrative tasks such as processing leave requests, and updating employee databases. Employee Engagement: Assist in organizing employee events, surveys, and wellness initiatives to promote a positive work culture. Participate in ongoing HR projects and initiatives. Qualifications: Education: Currently enrolled or completed Bachelors or Masters degree program in Human Resources, Business Administration, Psychology, or a related field. Experience: Internship in HR domain. Skills: Strong communication skills (written and verbal). Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint). Detail-oriented with strong organizational skills. Ability to maintain confidentiality and handle sensitive information appropriately. Attributes: Enthusiastic, proactive, and eager to learn. Strong interpersonal skills and the ability to work well with a diverse group of people. Ability to work independently and manage multiple tasks simultaneously. Placement Opportunities: Full time opportunities post internship basis performance. Mentorship: Work closely with HR leaders who will provide mentorship and career guidance and gain valuable HR experience and insights into various HR functions

Roles & Responsibilities: Resolution of Customer grievances/complaints within the given TAT Acknowledge the user issues related to bureau updates Quick response to the Regulatory compliance with proper resolutions Highlighting the legal issues to the corresponding team with high priority Bridging the gap between bureaus and user KPI 1 - Response time 2 - Resolution Time 3 - Customer satisfaction 4 - Reduction in Escalation rate 5 - Training & Development 6 - Compliance 7 - Documentation Accuracy 8 - Number of Resolved cases Requirements: Any full-time UG degree. Should be 1.5 + yrs of experience Communication skills - English + any regional language mandatory except Hindi Should possess Empathetic skills and should be understanding towards customer need Should have good analytical skill Should be able to resolve Conflicts Should have Attention to detail Should be of Ethical Conduct