1. Reporting & Visualization Design, develop, and maintain Tableau dashboards for real-time monitoring of operational KPIs (e.g., turnaround time, efficiency, risk metrics). Automate recurring reports to reduce manual efforts. 2. Data Analysis & Insights Perform deep-dive analyses to identify bottlenecks, trends, and opportunities in operational workflows. Translate findings into actionable recommendations for process improvements. 3. Cross-functional Collaboration Partner with Central Analytics to align on data governance, metrics definitions, and advanced modeling needs. Act as the bridge between Operations teams and Data Science for predictive analytics use cases (e.g., demand forecasting, risk scoring). 4. Data Integrity & Governance Ensure accuracy and consistency of operational data by implementing validation checks in SQL/queries. Document data lineage and key metric calculations. Adhere to the policy & guidelines shared by Central Analytics/DS team related to Data governance and security
Manager / Senior Manager - Internal Audit Job role and responsibilities: The role will be responsible for: 1. Implementing risk based internal audit framework, preparation, and execution of audit plan, covering defined scope across policies and procedures. 2. Reviewing and feedback on Risk Control Matrix of different processes 3. Auditing assigned areas across functions of lending business, like sales, credit, collections, operations, accounts, technology / systems, HR etc. 4. Conduct thematic audits like regulatory compliance, Internal Financial Control aspects etc. 5. Continuous Control Monitoring - identifying areas and testing/deployment. 6. Work in collaboration with other internal stakeholders for facilitating open audit issue remediations and conduct periodic verifications on the same. 7. Efficiently collaborate with Co-auditors and auditee to ensure seamless coordination and completion of assigned tasks.
1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process
Roles & Responsibilities Support in implementing Operational Risk Management framework and facilitate understanding of operational risk requirements across the organization Facilitate workshops & discussions with various business units (e.g. Product, IT, Operations, Finance, Credit, Sales etc.) for risk identification & mitigation Develop & implement risk management tools like Key Risk Indicators, Loss database, etc. to monitor effectiveness of controls & track risk exposure Monitor performance of KRI against management approved thresholds and report breaches to CRO and risk committees Oversee/track risk incidents, liaise with business for RCA, resolution and corrective action plan, report updates regarding OR incidents to CRO and risk committee Facilitate the Risk and Control Self Assessment (RCSA) exercise & oversee implementation of risk mitigation strategies Review new products to identify key operational risks and ensure mitigates/ controls are provided by owners Collaborate with Internal Audit, Compliance, IS teams to facilitate cohesive risk management Promote a strong risk-aware culture across the organization by providing training and awareness sessions on Operational Risk Stay updated with emerging risks in the Fintech ecosystem, including regulatory guidelines, data privacy concerns, evolving cyber threats etc.
1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process
1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process
1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process
Candidates should have 5-7 years of experience in Collections with good communication skills and digital orientation. Experience of handling unsecured products (Digital PL,) will be an added advantage. . Expectations and Responsibilities: Managing the assigned portfolio by driving the collections team. Ensure implementation of Collections Strategies. Recruiting and Training In house as well as outbound teams. Identification and empanelment of Collection agencies to ensure proper collections coverage. Ensure field collection visits to customers for achieving resolution of allocated accounts. Responsible for achieving monthly targets and bucket wise resolution targets for the assigned region. Managing NPA and Cost of Collections for the Region. Ensure maximum recoveries by collaborating with other teams including Legal/Central collections. Achieve target collections of Charges and Late payment penalties. To regularly present the performance of the assigned Region to Senior Management. Ensure Collection Process and Legal guidelines are adhered to and Collections Code of Conduct is followed.
Candidates should have 5-7 years of experience in Collections with good communication skills and digital orientation. Experience of handling unsecured products (Digital PL,) will be an added advantage. . Expectations and Responsibilities: Managing the assigned portfolio by driving the collections team. Ensure implementation of Collections Strategies. Recruiting and Training In house as well as outbound teams. Identification and empanelment of Collection agencies to ensure proper collections coverage. Ensure field collection visits to customers for achieving resolution of allocated accounts. Responsible for achieving monthly targets and bucket wise resolution targets for the assigned region. Managing NPA and Cost of Collections for the Region. Ensure maximum recoveries by collaborating with other teams including Legal/Central collections. Achieve target collections of Charges and Late payment penalties. To regularly present the performance of the assigned Region to Senior Management. Ensure Collection Process and Legal guidelines are adhered to and Collections Code of Conduct is followed.
Managing the assigned portfolio by driving the collections team. Ensure implementation of Collections Strategies. Recruiting and Training In house as well as outbound teams. Identification and empanelment of Collection agencies to ensure proper collections coverage. Ensure field collection visits to customers for achieving resolution of allocated accounts. Responsible for achieving monthly targets and bucket wise resolution targets for the assigned region. Managing NPA and Cost of Collections for the Region. Ensure maximum recoveries by collaborating with other teams including Legal/Central collections. Achieve target collections of Charges and Late payment penalties. To regularly present the performance of the assigned Region to Senior Management. Ensure Collection Process and Legal guidelines are adhered to and Collections Code of Conduct is followed.
- Identifying and maintaining good relation with channels to increase Business loans . - Aggressively drive the sales numbers and achieve the business targets for Business loans. - Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. - Optimize team productivity by effectively managing the team of sales executives so as to assure achievement of team results and thereby meet the business targets and profitability of the location. - Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales strategies. - Be responsible for market intelligence and exploring new product ideas. - Implement technological know-how so to ensure end-to-end digital processing of loans Eligibility Criteria - Qualification : graduation/ post-graduation in any field - Experience : 3+ years of sales experience in Business loans with any Bank, NBFC or Fintech - Exceptionally high motivational levels and needs to be a self-starter - Strong sales & relationship management skills - Excellent Channel Management Skills - Tech orientation and digital capability
You ll work closely with the product, tech, and business teams to design internal tools that power lending workflows, like the Loan Origination System (LOS) web portal and sales app for our closed user group. Translate business requirements into user journeys, wireframes that lead to intuitive user experiences. Deliver UI designs and interaction specs in Figma at speed. Design data-heavy enterprise platforms that are usable and scalable. Solve real-world operational and business problems through structured UX thinking Conduct user research and usability testing to validate your design decisions Adopt AI tools and automation to speed up design cycles and improve outputs Make use of the up-to-date UX trends & ethical UX practices What you ll bring 1-2 years of hands-on experience in Product, UX and a good sense of visual/UI design Strong grasp of UX fundamentals and ability to simplify complex flows Strong communication & collaboration skills Proactive mindset - you don t wait for instructions; you ask questions and solve Interest in AI tools, design automation, and staying ahead of the curve Experience in conducting research & gaining insights Proficiency in Figma Comfortable working in fast-paced, iterative product environments A portfolio showcasing your design projects and process Basic understanding of the UI development process (HTML, CSS, React, etc.)
- Conduct credit assessment of the leads & filtering them out for further evaluation. - Assist in various aspects of Due Diligence activities of the prospective borrowers. - Analyse financial statements of the prospects, including but not limited to Balance Sheet; Profit & Loss Statement; Cash Flow Statement, etc. - Build various financial models/projections; detailed financial analysis outputs that shall assist in decision making. - Prepare investment proposals as well as in preparing internal & external presentations & materials. - Assist in sourcing new leads for lending Eligibility Criteria - CA/ MBA/any other postgraduate degree related to finance or related areas. - 0-2 years of related experience
Own zero to one projects and new initiatives; from research and validation, to transitioning to functional ownership and scale-up Monitor and de-bottleneck execution of strategic projects to ensure timely value delivery Assess market trends, competitor actions and industry dynamics to identify opportunities and threats Provide decision support on new initiatives through data gathering and analysis Effectively communicate strategic plans and recommendations to various stakeholders, including executive leadership and employees Support in BAU responsibilities incl. preparation of key presentations, periodic CXO reviews etc.
Creating and managing dashboards and templates for portfolio review. Monitoring of portfolio performance against defined thresholds and benchmarks. Defining and tracking Early Warning Signals (EWS) to take timely and preventive measures Benchmarking against industry and peers ECL budgeting and tracking actual performance against the budget Tracking macro indicators and its impact on the company Loss projections based on recent performance updates Stress testing analysis Reporting for senior management and board/ committees Adhoc risk analysis as required Liaison with different teams and stakeholders in terms of understanding, co-ordinating and communicating the outputs from portfolio risk analysis Knowledge and experience Significant prior experience in an portfolio risk management of lending business. Experience in market risk and liquidity risk 8+ years of total experience with Indian NBFC experience preferred. Understanding of financial sector/ lending business risk metrics (PAR, DPD, AUM, vintage, Loss curves, roll rates) Wide range of products experience Retail and MSME loans, Secured and unsecured loans, partnerships, structured finance products etc. Risk and financial reporting, and MIS production experience Experience with working at NBFCs or banks or consulting to Banks and NBFCs
1. Understanding of type of collaterals in location 2. Issues faced in collateral valuation and resolution/solution to avoid risk involved in these collaterals 3.Coordination with valuation vendor for getting reports on time and maintaining MIS for each vendor 4. Review of valuation agencies on timely basis and sharing feedback for improvement 5. Meeting with credit and business team on timely basis for feedback on valuations 6. Giving opinion on valuation given by agencies7. Keeping Market/competition information on type of collateral 7. Good communication skill for discussing with valuation agencies and cross function 8. Monitoring and review of location Collateral note 9. Maintaining Portfolio checks and control
-Monthly preparation & Review of partner book and reporting -Cowork with other team for reconciliation of transactions at partner level. -Co-ordination with Operations Team for relevant financial data for revenue recognition -Ensure accuracy and timeline of financial and management reporting data -Regulatory reporting like RBI and any other timely reporting as applicable. -Prepare Financial Statements, Business Activity Reports and Financial Forecasts. -Ensure that the organisation s financial records and recordkeeping methods are in compliance with applicable standards and regulations -Laisioning with auditors, external agencies, consultants and close end to end audits and activities. -Standardise and automate financial process in line with the business requirements
The Associate Director of Technology Operations is responsible for leading technology operations and the Project Management Office (PMO) to drive efficiency, innovation, and business alignment. This role ensures the smooth operation of enterprise technology systems, enhances cross-functional collaboration, and implements modern project delivery practices to accelerate business outcomes. Key Responsibilities: Technology Operations & Governance: Oversee and enhance technology operations by fostering collaborative teams, optimizing processes, and ensuring security and compliance. Develop and enforce technology governance frameworks, policies, and best practices aligned with industry standards. Ensure operational resilience through proactive risk management, incident response, and continuous improvement initiatives. Technology Application Support & Incident Management: Establish and lead an effective technology application support function, ensuring high availability and performance of critical business applications. Implement robust incident and problem management processes to minimize downtime and drive long-term stability. Leverage automation and analytics to enhance monitoring, troubleshooting, and resolution efficiency. Project Management & Delivery: Lead the PMO, implementing Agile, Scrum, and SAFe methodologies to drive efficient and iterative project delivery. Oversee end-to-end program execution by managing key deliverables, mitigating risks, and ensuring budget adherence. Champion a culture of continuous improvement, driving enhancements in project governance, execution, and business alignment. Enable cross-functional collaboration between technology teams, business stakeholders, and external partners to deliver strategic initiatives. Leadership & Team Development: Build, mentor, and lead a high-performing team across technology operations and project management disciplines. Foster a culture of innovation, accountability, and customer-centric service excellence. Collaborate with senior leadership to align technology initiatives with business priorities and long-term goals. Vendor & Financial Management: Optimize technology investments through strategic budget planning and cost management. Manage relationships with third-party vendors and service providers to ensure quality service delivery and value optimization. Qualifications & Experience: Bachelor s or Master s degree in Technology, Engineering, Business Administration, or a related field. 10+ years of experience in technology operations and project management, including at least 3 years in a leadership role. Expertise in technology governance, enterprise systems, and service management. Strong background in Agile, Scrum, SAFe, and modern project execution methodologies. Proven ability to drive digital transformation, process optimization, and cross-functional collaboration. Excellent leadership, strategic thinking, and stakeholder management skills.
Regulatory Reporting - Preparation and Submission of RBI regulatory returns (e.g., CRAR, NPA ratios, ALM statements, CRILC reporting) - Preparation for and coordination of regulatory audits and inspections or any other adhoc data. - Addressing and resolving any queries or requests for information from the RBI - Liaise effectively with internal stakeholders (Finance, Risk, Treasury, IT) for data extraction, validation, and finalization - Identify and implement process improvements to enhance the efficiency and accuracy of regulatory reporting - Assist in the preparation of monthly, quarterly, and annual financial statements
Responsible for managing the collections process for the allocated pool. Ensure field collection visits to customers for achieving resolution of allocated accounts. Responsible for achieving monthly targets. Ensure that monthly bucket wise resolution targets are achieved. Ensure maximum recoveries by collaborating with other teams including legal/centralcollections. Achieve target collections of charges and late payment penalties from customers. To maintain data for administrative work related to collection such as updating delinquent account history, providing and maintaining MIS report, reviewing collection feedback regularly. Ensure Collection Process and Legal guidelines are adhered to and Collections Code of Conduct is followed.