Refyne

The Inside Sales Lead at Refyne will be responsible for overseeing and supporting the sales team in sourcing new opportunities, understanding customer needs, closing sales, and achieving quarterly quotas. They will collaborate with various professionals, demonstrate excellent communication skills, and work effectively in a team environment. The ideal candidate should be able to build a high-performance sales team to ensure customer satisfaction. Key Responsibilities: - Source new sales opportunities through inbound lead follow-up and outbound cold calls and emails. - Understand customer needs and requirements to effectively route qualified opportunities to the appropriate sales executives for further development and closure. - Close sales and achieve quarterly quotas while researching accounts, identifying key players, and generating interest. - Maintain and expand the prospect database within the assigned territory and conduct effective online demos to prospects. Qualifications: - Proficiency in spoken English to connect with customers and present the value proposition effectively. - 0+ years of experience in Inside Sales and online demonstration for Tech/SaaS-based products and services. - Track record of over-achieving quota with a strong phone presence and experience in handling numerous calls daily. - Proficient in corporate productivity and web presentation tools, with experience working with Salesforce.com or similar CRM. - Excellent verbal and written communication skills, strong listening and presentation abilities, and the capacity to multitask, prioritize, and manage time efficiently. Additional Information: - Join an experienced founding team with a highly successful startup track record at Refyne. - Enjoy the backing of leading global tech investors and specialists. - Benefit from flexible working hours and the opportunity to work remotely when desired. - Competitive salary and other employment perks await you as part of the team creating India's first real-time, on-demand salary platform.,

You will be responsible for managing accounting and financial systems, including accounting software such as Tally and SAP. This will involve maintaining accounting ledgers, running periodic audits, and developing internal processes for managing vendor invoices and employee out-of-pocket expenses. You will work closely with business units to identify excess spending and potential optimizations, as well as coordinate with founders to manage firmwide budgeting. In terms of financial reporting, you will be tasked with building management information systems (MIS) for internal reporting, including expense distribution, revenues, and profit and loss (P&L) statements. You will also be responsible for creating a central repository of invoices, filings, and other financial documents. Your role will also encompass managing regulatory and statutory compliance, ensuring timely and accurate reporting to respective authorities. Additionally, you will need to understand the company's business models to devise tax-optimal structures and ensure compliance with timely tax filings, including Goods and Services Tax (GST) and Tax Deducted at Source (TDS). Collaboration with the tech team will be crucial as you help them understand the requirements of a business financial controller and assist in developing innovative solutions for client businesses. You will also work with the tech team to automate audits and reconciliation of nodal accounts used to deliver services to clients. The ideal candidate for this role would have a background as a Chartered Accountant (CA) and possess a deep understanding of taxation and auditing for handling innovative business models. Experience in vendor management, financial reconciliation, and accounting, as well as MIS reporting, is essential. Familiarity with working on nodal/escrow accounts would be a significant advantage. Strong communication skills are also vital for negotiating with external vendors and effectively communicating and enforcing budget requirements across all business units. In return for your contributions, you will have the opportunity to work with an experienced founding team with a successful startup track record. You will be supported by global investors and enjoy flexible working hours, including the option to work remotely. A competitive salary and other employment perks are also part of the package, allowing you to be part of a team at the forefront of creating India's first real-time, on-demand salary platform.,

As an experienced Inside Sales Lead at Refyne, your role will involve overseeing and supporting the sales team by monitoring sales metrics and managing the sales administration process. You will collaborate with various professionals, requiring excellent communication skills and the ability to work effectively in a team environment. Your ultimate goal will be to build a high-performance sales team that ensures customer satisfaction. **Responsibilities:** - Source new sales opportunities through inbound lead follow-up and outbound cold calls and emails - Understand customer needs and requirements - Route qualified opportunities to the appropriate sales executives for further development and closure - Close sales and achieve quarterly quotas - Research accounts, identify key players, and generate interest - Maintain and expand your database of prospects within your assigned territory - Perform effective online demos to prospects **Qualifications:** - Proficiency in spoken English to effectively communicate the value proposition to customers - 0+ years of experience in Inside Sales and conducting online demonstrations for Tech/SaaS-based products and services - Track record of over-achieving quota - Strong phone presence and experience dealing with numerous calls daily - Proficient with corporate productivity and web presentation tools - Experience working with Salesforce.com or similar CRM - Excellent verbal and written communication skills - Strong listening and presentation skills - Ability to multitask, prioritize, and manage time effectively Joining Refyne as an Inside Sales Lead offers you the opportunity to be part of an experienced founding team with a successful startup track record. The company is backed by leading global tech investors and specialists, providing a supportive environment for growth. You can enjoy flexible working hours and the option to work remotely. Along with a competitive salary, you will also receive various employment perks. By joining Refyne, you will be contributing to the creation of India's first real-time, on-demand salary platform.,

Role & responsibilities:- Collections: Ensure timely recovery of dues, maintain payment records, and follow up via calls or emails for overdue payments. Dispute Resolution: Address user payment disputes and coordinate with internal teams for quick resolution. Account Monitoring: Track payment timelines, escalate delays, and generate overdue reports. Customer Management: Maintain positive relationships and handle user data confidentially. Reporting: Update CRM records and prepare regular collection performance reports. Process Improvement: Identify and suggest ways to improve collection efficiency and user satisfaction. Preferred candidate profile:- 1-3 years experience in collections, debt recovery, or accounts receivable. Familiarity with CRM or collection tools (preferred). Bachelor’s degree (preferred). Strong communication, negotiation, and interpersonal skills. Self-motivated with good time management and target orientation. Basic knowledge of financial processes and payment systems. Proficient in MS Excel for tracking and reporting.

You will be responsible for managing accounting and financial systems, including software like Tally and SAP. This will involve maintaining accounting ledgers, running periodic audits, and developing internal processes for managing vendor invoices and employee out-of-pocket expenses. You will work closely with business units to identify excess spending and potential optimizations. Additionally, you will coordinate with the founders to oversee firmwide budgeting. Key Responsibilities: - Manage accounting and financial systems using tools like Tally and SAP - Maintain accounting ledgers and conduct periodic audits - Develop internal processes for managing vendor invoices and employee expenses - Identify excess spending and potential optimizations in collaboration with business units - Coordinate with founders to oversee firmwide budgeting In terms of financial reporting, you will be responsible for building Management Information Systems (MIS) for internal reporting, including expense distribution, revenues, and Profit & Loss (P&L) statements. You will also create a central repository of invoices, filings, and other financial documents. Qualifications: - High preference for Chartered Accountants (CAs) - Deep understanding of taxation and auditing for innovative business models - Experience in vendor management, financial reconciliation, and accounting - Proficiency in MIS reporting - Experience with nodal/escrow accounts is a plus - Excellent communication skills for negotiations with external vendors and enforcing budget requirements across all business units As an employee of Refyne, you will have the opportunity to work with an experienced founding team with a successful startup track record. You will be supported by some of the best global investors and enjoy flexible working hours, including the option to work remotely. The company offers a competitive salary along with other employment perks. Join us on our journey to create India's first real-time, on-demand salary platform.,

The Role: At Refyne, we are seeking a detail-oriented Junior Engineer to provide first-level technical support for hardware, software, and network issues. You will assist with system setups, troubleshoot basic IT problems, manage IT assets, and ensure timely resolution of support tickets to keep day-to-day operations running smoothly. What we are looking for: 1-3 years of post-qualification experience in IT support. Basic knowledge of computer hardware, operating systems (Windows/macOS), and applications. Understanding of networking fundamentals (LAN, WAN, IP, Wi-Fi). Experience with asset tracking tools and inventory management. Familiarity with ticketing systems (e.g., Jira, ServiceNow, Freshservice, Zendesk). Strong problem-solving skills and ability to work under pressure. Good communication and customer service skills. What you will do: 1.) Technical Support Provide basic troubleshooting and support for desktops, laptops, and peripherals. Install, configure, and update operating systems and standard applications. Assist with hardware and software setup for new employees. 2.) Network Support Support users with basic network connectivity issues (Wi-Fi, LAN, VPN). Escalate complex network issues to senior IT staff. Maintain understanding of basic networking concepts (IP addressing, DNS, DHCP). 3.) Asset Management Maintain accurate records of IT assets (laptops, desktops, accessories, licenses). Track asset allocation, returns, and lifecycle management. Assist in audits and ensure compliance with asset policies. 4.) Ticketing & Documentation Manage and respond to IT support tickets within defined SLAs. Document troubleshooting steps, resolutions, and maintain knowledge base articles. Escalate unresolved issues to higher-level support teams as required. Who we are : Refyne is India's first & largest Earned Wage Access (EWA) platform. We partner with organizations to enable their employees to retrieve their earned but unpaid salary whenever they need it. Quite simply, we are reducing the month-long wait to get your salary to mere seconds. We started Refyne with the mission to empower the Indian workforce to adopt financial wellness and model their lifestyle around it. Attaining real-life financial inclusion lies at the heart of our goal, fuelled by the drive to achieve positive social impact. We aim to enable people by bringing transparent, accessible & affordable means to finance right in the palm of their hands. We are not a loan app. Refyne's app lets users track, spend and save their real-time earned pay anytime, any day, driven purely by their needs. We believe this access is every employees right. Refyne helps users understand their spending patterns, make wise choices with money, keep their debt in check, all while using the most sophisticated yet simple technology to keep them on top of their finances. Refyne helps users avoid high-interest payday loans & microlenders, debt traps and build financial resilience. Our highly scalable platform enables employers to proactively ensure their workforces financial wellbeing and puts employees in the drivers seat to control their financial position. Refyne is building a sustainable financial future, encouraging everyones participation in the formal financial ecosystem. Refyne is the largest EWA provider in Asia backed by marquee global investors like Tiger Global and DST Global having raised $106M in funding.

Role Overview: We are looking for a proactive and detail-oriented Accountan t to manage the day-to-day accounting operations of the company using Tall y. This role involves full-cycle accounting from invoice receipt and validation to the preparation of accurate financial statements and audit support. The ideal candidate should be comfortable working in a fast-paced startup environment, supporting multiple teams, and handling operational finance independently with a strong understanding of business processes. Key Responsibilities: Record journal entries with accuracy across expense, revenue, provisions, prepaids, and assets Perform bank reconciliations and manage cash/bank ledgers. Ensure accurate GST, TDS, and statutory compliance entries. Coordinate with internal teams to collect invoices and supporting documents (POs, Agreements). Validate invoice charges with an understanding of market pricing and commercial sanity. Support timely monthly book closures. Assist in preparation of financial reports — Profit & Loss, Balance Sheet, Cash Flow, and MIS packs. Coordinate with external auditors for statutory and internal audits. Share required ledgers, reconciliations, and documentation in a timely manner. Handle reconciliations and operational queries from business or product teams. Assist in process streamlining, tracking advances, and improving accounting workflows. Support finance and leadership teams in data analysis, internal reviews, and special projec ts. Key Skills & Requirements: Proficien t in Tall y ERP and MS Excel. Sound working knowledge of accounting standards (b asic I ND-AS understanding preferred) Ability to understand business processes and cost structures. Hands-on experience with invoice validation, prepaids, provisions , BRS, and reconciliations. Strong communication and coordination skills with internal stakeholders. Prior experience working in a startup or high-growth enviro nment is a plus. Bachelor's degree in Commerce or related field. Semi-qualified CA/MBA (Finance) is an advantage

About the Role We are seeking a highly organized and proactive Administrative Executive with 5-8 years of experience to support day-to-day operations, ensure smooth office functioning, and assist leadership with administrative and coordination tasks. The ideal candidate is detail-oriented, efficient, and capable of managing multiple priorities in a fast-paced environment. Key Responsibilities: Office & Administrative Management Oversee daily office operations, including facility management, supplies, vendor coordination, and maintenance. Maintain and update administrative systems, databases, and filing structures (physical & digital). Executive & Team Support Provide administrative support to senior management including calendar management, scheduling meetings, travel arrangements, and documentation support. Vendor & Procurement Coordination Manage relationships with vendors, contractors, and service providers. Handle procurement of office supplies, IT equipment, and other operational necessities. Negotiate contracts, compare quotations, and ensure cost-effective purchasing. Managing food vendors, conducting inspections, etc HR & Compliance Support Assist HR with induction, onboarding, attendance tracking, and employee engagement activities. Support compliance documentation, audits, and policy implementation. Coordinating for new joiners kit, access card,etc Event & Logistics Management Coordinate office events, workshops, client visits, and internal meetings. Manage travel logistics, accommodation, and related reimbursements for employees. Required Skills & Qualifications Bachelors degree in Business Administration, Management, or a related field. 5-8 years of relevant administrative experience in a corporate environment. Strong organizational and multitasking skills with attention to detail. Excellent communication skills (written & verbal). Proficiency in MS Office Suite (Word, Excel, PowerPoint), Google Workspace, and basic office tools. Ability to handle confidential information with discretion. Strong problem-solving skills and a proactive attitude. Prior experience in working in a startup is preferred Proficiency in English and Hindi

About the Role: We are looking for a Risk Analyst with strong analytical skills and a keen interest in the fintech space. Refyne is one of the leading Fintech companies in our field in the area. We are hiring a talented Risk Analyst professional to join our team. If you're excited to be part of a winning team, Refyne is a great place to grow your career. What you'll do: Build rules, algorithms and machine learning models to respond to and mitigate consumer credit risk Analyze data to better understand potential risks, concerns and outcomes of decisions Aggregate data from multiple sources to provide a comprehensive assessment Create reports, summaries, presentations and process documents to display results Collaborate with other team members to effectively analyze and present data Develop systems and processes for gathering and storing data for future analytic projects Conduct research into potential clients and understand the risks of accepting each one Identify economic and financial trends that may present a risk to the company Monitor internal and external data points that may affect the risk level of a decision What were looking for: 2 to 4 years of experience as an analyst in a similar company or related field Demonstrated ability to prioritize tasks and meet daily deadlines for projects Strong written and verbal communication skills to inform managers and other stakeholders of results Ability to manage multiple projects and programs at the same time to complete work Critical thinking skills with the ability to independently solve problems with data Quantitative and analytical skills with a demonstrated ability to understand new analytical concepts Good knowledge of such as SQL, Python and Advanced Excel Presentation skills, including public speaking and presentation creation using PowerPoint or a similar program Exposure in Risk Analytics supporting the Consumer Credit Life Cycle would be an added advantage

About the role: This role drives accurate, quick, and compliant credit reporting (CICs) and cKYC management. This is key to maintaining compliance, data quality, and a positive credit reporting track record for all borrowers. Key Roles and Responsibilities: 1. Credit Bureau Reporting Operations Data Submission: Manage monthly/fortnightly reporting to four major CICs (CIBIL, Experian, Equifax, and CRIF High Mark). Data Mapping: Map and pull LMS data to required CIC format. Report Check: Check & match reported data against internal accounts for 100% accuracy; fix differences pre-submission. Dispute Management: Manage dispute resolution via bureaus per regulatory deadlines. 2. cKYC Compliance and Data Integrity Mandatory Submission: Submit new KYC records to CERSAI (cKYC). Data Quality & Upliftment: Maintain 100% data quality. Timely upliftment of records post-verified changes. Audit Trail and Compliance: Maintain a clear regulatory audit trail for all cKYC transactions, ensuring PMLA adherence. 3. Regulatory Compliance and Audit Regulatory Adherence: Stay updated with all RBI rules (CIC Act, 2005) and credit reporting guides/circulars. Process Documentation: Maintain detailed SOPs and process maps for all credit reporting work. Internal Control: Design and implement strong internal controls to reduce errors and ensure compliance. Audits and Reviews: Act as the main contact for auditors/regulators on all credit bureau reporting. 4. System and Stakeholder Management Error Analysis: Root cause analysis of rejected records/errors; drive long-term fixes. Coordination: Work with Finance, Risk, Legal to align reporting with financial/legal needs. Required Qualifications and Skills Education & Experience: Bachelor's degree (Finance or related) with 3-6 years of experience in Credit Bureau Reporting (Bank, NBFC, or FinTech). Regulatory Expertise: Deep knowledge of RBI/CIC and cKYC regulations is essential. Proven experience dealing with all four Indian CICs. Technical Proficiency: Strong data skills (Advanced Excel, SQL). Experience with credit products (Term Loans a plus) and LMS/data structures. Detail Orientation: Excellent analytical and problem-solving skills with careful attention to detail. Competencies Ability to work independently, manage deadlines, and perform under regulatory pressure. Strong communication and stakeholder management. High integrity; commitment to data secrecy

About the Role: At Refyne, we are seeking a dedicated Collection Executive to manage and optimize the collections process for our Earned Wage Access (EWA) platform. As a Collection Executive, you will be responsible for ensuring timely collection of dues from users, maintaining positive relationships with customers, and working with internal teams to resolve any payment- related issues. You will play a key role in improving the overall collections process and contributing to the financial health of the company. What were looking for: • Strong communication skills with the ability to engage with customers professionally and empathetically. • A results-driven approach to collections, with a keen eye for resolving disputes and ensuring timely payments. • Problem-solving skills to address any issues or concerns raised by customers regarding payments. • Experience working with collection systems, CRM tools, and managing customer data. • Detail-oriented and capable of managing multiple accounts simultaneously. • Self-motivated, target-oriented, and able to work independently while contributing to a team. • Ability to maintain customer relationships while ensuring that collections goals are met. • Proficiency in MS Excel and basic data entry and reporting. What you'll do: • Collections Management : -Ensure timely collections of outstanding dues from users of Refyne's platform, maintaining a clear record of payments and balances. - Contact users through calls, emails, and other communication channels to remind them of upcoming or overdue payments. - Follow up on overdue payments, negotiating with users where necessary to resolve payment issues. • Dispute Resolution: - Address and resolve any disputes or issues raised by users regarding their payment dues. - Collaborate with internal teams (such as Customer Support and Operations) to ensure prompt resolution of payment- related concerns. • Account Monitoring: - Track user accounts to ensure that payments are made in accordance with agreed timelines and escalate issues when necessary. - Generate reports on overdue payments and follow up with users to ensure timely payment. • Customer Relationship Management: - Maintain a professional and positive relationship with users, ensuring a customer-first approach while managing collections. - Handle sensitive customer information with confidentiality and professionalism. • Reporting & Documentation: -Maintain accurate and up-to-date records of collections activities in the company's CRM and other relevant systems. - Prepare periodic reports on collection performance, highlighting key metrics and identifying areas for improvement. • Process Improvement: - Identify opportunities to improve the collections process and suggest ways to increase efficiency and user satisfaction. - Work closely with the management team to refine strategies for achieving collections goals. Background and Experience: -1-3 years of experience in collections, debt recovery, or accounts receivable (preferably in a fast-paced environment). -Experience working with collection tools, CRM systems, or debt management software is a plus. -Bachelors degree in any discipline (preferred, but not mandatory). - Strong communication and interpersonal skills with the ability to handle sensitive situations and negotiate effectively. - Ability to manage time efficiently and work independently while meeting targets. - Basic understanding of financial processes and payment systems. - Proficient in MS Excel for data tracking and reporting.

Junior accountant- Data entry About the role: We are looking for a proactive and detail-oriented Accountant to manage the day-to-day accounting operations of the company using Tally . This role involves full-cycle accounting from invoice receipt and validation to the preparation of accurate financial statements and audit support. The ideal candidate should be comfortable working in a fast-paced startup environment, supporting multiple teams, and handling operational finance independently with a strong understanding of business processes. Key Responsibilities: Record journal entries with accuracy across expense, revenue, provisions, prepaids, and assets Perform bank reconciliations and manage cash/bank ledgers. Ensure accurate GST, TDS, and statutory compliance entries. Coordinate with internal teams to collect invoices and supporting documents (POs, Agreements). Support timely monthly book closures. Share required ledgers, reconciliations, and documentation in a timely manner. Handle reconciliations and operational queries from business or product teams. Key Skills & Requirements: Proficient in Tally ERP and MS Excel. Sound working knowledge of accounting standards (basic IND-AS understanding preferred) Ability to understand business processes and cost structures. Hands-on experience with invoice validation, prepaids, provisions, BRS, and reconciliations . Prior experience working in a startup or high-growth enviro nment is a plus. Bachelor's degree in Commerce or related field. Semi-qualified CA/MBA (Finance) is an advantage. Minimum experience of 1- 3 Year for using tally and accounting required