Job
Description
You can become a part of … … a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally. We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect — and we do it all together. Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game” ! In this role, you have the opportunity to … Develop & grow one of the first successful implementations of lending based on velocity-led underwriting Test newer models and engagements for revenue growth Straddle zero-to-one experiments and expanding the scope of proven projects as we focus on blitz scaling our revenue growth Impact lives of 5m+ merchants and 50m+ consumers Work at an organization which encourages to test and learn enabling you to experiment. Responsibilities will include … Functional Expertise Strategic decisions on how to grow the funnel for lendable base Find ways to increase the lendable base through strategic interventions Own the disbursal targets of the month for individual segments within unsecured lending Assess opportunities to unlock merchant eligibility for BharatPe’s lending program and work closely with risk and product teams on projects that enhance underwriting quality Continuously evaluate merchant journey funnels for loans across customer cohorts and use data backed insights, customer conversations and logical reasoning to build strategies to create step-up improvements in conversion rates Assessment of industry wide practices and introducing them at BharatPe to enhance rev per loan Problem solving Execute and monitor closely success of monthly initiatives and experiments for deepening our presence in existing customer segments and geographies that will help deliver our revenue and profit objectives Work closely with merchant experience team to resolve key recurring issues and escalations to enhance user experience Interaction Work closely with cross functional teams on developing and executing critical strategies that will sustainably grow BharatPe’s merchant lending program and ensure our lending processes are best-in-class in terms of their efficiency, effectiveness, responsiveness & cost. Impact Optimize the merchant lending funnel and its associated cost thereby improving overall efficiency. Impact on the revenue funnel to the tune of 500crs Challenges & Decisions Balancing risk management and customer satisfaction while optimizing the funnel. Adapting to evolving market dynamics, regulatory requirements, and customer preferences. Managing and resolving bottlenecks / challenges within the loan application journey to ensure smooth flow and conversion. Qualification & Experience (type & industry) Graduate or Post-Graduate from a Tier 1 College Graduate – 6-8 years of experience | MBA – 4-6 years of experience Preferably: Prior fintech/ lending experience is a plus Skills & know-how Solid problem-solving capabilities – Once given a problem you are able to break them down, identify root causes, run associated analysis and recommend solutions that are effective Strong stakeholder management – you are able to build relationships across teams and are able to work with them effectively to deliver best possible results Behaviors A curious mind, an eye for detail and a mastery over numbers – you are comfortable with ambiguity, love to experiment and data excites you! Strong execution capabilities and rigor – you are not afraid to get your hands dirty, are detail oriented and stay on top of things to ensure you deliver consistently Show more Show less
