Trillionloans

Become a part of a truly aspirational brand, one of India’s fastest growing RBI registered non-deposit taking Non-Banking Finance Company (NBFC) pioneering digital lending solutions for both SMEs and individual borrowers. Operating under the regulatory purview of the Reserve Bank of India, Trillionloans leverages cutting-edge technology and data analytics to streamline lending processes. The company offers a diverse portfolio of financial products, encompassing merchant loans, revenue-based financing to MSME, consumer loans, effectively reaching its clientele through a robust network of Lending Service Partners (LSP). In this role, you have the opportunity to -Conduct Risk based Internal Audits. -Perform annual Risk Assessment. -IFC (Internal Financial Controls) testing review. -Support RBI Inspection, Corporate Audits, Statutory Audits, IT Audits. -Conduct audits mandated by Regulatory and Statutory authorities, KYC Compliance, IT, and Outsourcing activities. -Internal Audit updates to Senior Management and Audit Committee. -Evaluate effectiveness of the policies, procedure, and standards & add value by acting as a facilitator in financial, operational, credit and regulatory risk management & help organization accomplish its objectives by bringing a systematic and disciplined approach. -To devise & introduce the latest internal and management audit systems for all facets of the company’s business & activities across all geographies and conduct periodic audits of systems & procedures, financial systems & techno legal compliances. -Performing fraud investigations. Qualifications -Qualified Chartered Accountant/ master’s in business administration -5-7 years in the industry as a practicing internal audit / risk controls & mitigation expert Skills experiences & behaviors -Exposure to Internal audit consultancy experience -Experience of working for start-ups/new-age techs/ NBFCs -Deep functional knowledge of audit procedures, including knowledge of generally accepted audit standards, planning, audit techniques incl. testing and sampling methods -Analytical bent of mind with a demonstrated strength in being able to analyze, review and audit complex financial data / reports -Strong stakeholder mgmt. skills to manage both external vendors as well as cross-level owners across internal functions -Take ownership of the role assigned and collaborate with teams across organization to achieve results. -Result oriented with the ability to challenge established business and practices on merit. Show more Show less

Functional Expertise (Credit Risk Policy): Design, develop and implement robust risk policies and procedures for Term loans (Retail), Term loans (MSME), Unsecured/Secured Revenue based, Supply Chain, Invoice based financing ensuring alignment with the organization’s risk appetite and regulatory requirement. Hands-on experience in designing & developing credit policies & conduct risk assessments and analysis for unsecured lending portfolios, identifying potential risks Evaluation of business & policies of various partners & review parameters critical before go-live & monitoring of portfolio. Oversee credit risk management activities, BRE rules, underwriting standards, and portfolio monitoring, to optimize portfolio performance. Stay abreast of regulatory developments and ensure strict compliances with relevant regulations, guidelines, and industry standards pertaining to unsecured/secured lending for Revenue Based/Supply Chain/Invoice Financing for higher ticket size Collaborating with relevant stakeholders including partners, Business Team, Operations, Legal, Tech, Compliance and other support team to integrate risk alignment with the overall organization goal Engaged in regular Credit Quality Review, track key Credit Metrics, identifying and gathering all critical information pertaining to Credit Risk on lending book and suggesting credit risk mitigation strategies as a part of regular and ad hoc presentation to management Problem Solving: Strong hold in MS Excel and PowerPoint presentations Should have expertise in creating analytical Dashboards for Portfolio review Interaction: Strong analytical skills Capability to understand complex issues and come up with mitigants/solutions Ability to work with LSPs/partners to ensure a well-defined credit approval flow Positive attitude, with problem solving-oriented mindset. Qualification & Experience CA/MBA (Finance) 6-8+ years of experience in Credit Risk function in Fintech/ Bank/NBFC/ Financial service space. Experience across Risk Policy/ Analytics Exposure to multiple products – Term loans, MSME loans, Supply chain financing, secured loans, etc. Skills & know-how SQL/ Python - Analytics focus Good interpersonal skill Entrepreneur Skill Flexible to work in different situations. Show more Show less

Functional Expertise  Lead and manage the organization’s Information Security Risk and Governance framework, ensuring alignment with business objectives and compliance requirements.  Draft, implement, and continuously improve security policies and procedures in alignment with regulatory requirements and industry standards. Ensure consistent enforcement of security policies across all departments.  Develop, implement, and monitor risk management policies, procedures, and controls to safeguard the organization & information assets.  Lead and manage Third-Party Risk Management efforts, assessing and mitigating risks posed by vendors, partners, and other third-party entities.  Collaborate with procurement and legal teams to develop and enforce security requirements in contracts and service agreements with third-party vendors.  Conduct risk assessments and ensure compliance with contractual and regulatory security requirements.  Lead incident response and investigations, providing subject matter expertise to mitigate security incidents, conducting root cause analysis, and recommending improvements to prevent future incidents.  Conduct comprehensive risk assessments and security audits across IT infrastructure, applications, and third-party systems to identify vulnerabilities and gaps, ensuring compliance with internal policies and external regulations.  Conduct regular risk assessments to identify vulnerabilities and threats and collaborate with relevant teams to define remediation strategies.  Oversee and manage the organization & information security governance structure, ensuring that security policies and procedures are communicated, adopted, and adhered to across the organization.  Establish and maintain a comprehensive risk register, and provide senior leadership with risk metrics and risk status updates.  Develop and provide security awareness training to employees, ensuring they are aware of the latest threats and best practices to follow.  Work with cross-functional teams to ensure compliance with relevant data protection laws, industry standards, and regulations (e.g., GDPR, ISO 27001, NIST, SOC 2, etc.). Qualification & Experience ● 6-8 years of hands-on experience in Information security governance with a focus on, Implementation Security strategies, RBI IT framework, ISO 27001 & Third-Party Risk Management. Proven track record of implementing and managing security Policies & strategy. Skills & know-how ● Minimum of 6 years of experience in information security, risk management, or related fields, with a proven track record in risk management governance and third- party risk management. ● Experience working with security frameworks, such as RBI MD IT, ISO 27001, NIST, and SOC 2, as well as industry regulations and standards (GDPR, DPDPA, etc.). ● Strong knowledge of third-party risk assessment methodologies and practices. ● Experience with tools and platforms for risk management, vendor management, and governance reporting. Behaviors ● Extremely high ownership with security mindset. ● Self-starter with a bias for action. ● Ability to operate in a high ambiguity environment. ● Robust Interpersonal Skills for collaborating with various Units for facilitating closures ● Effective Team Player. Show more Show less

Responsibilities will include Functional Expertise Collaborating closely with multiple teams to translate the requirements into technical specifications. Offering clear technical guidance and direction to ensure solutions meet user and tech requirements. Leading technical discussions, code reviews to maintain code quality, identify improvement opportunities, and ensure adherence to standards. Staying updated on the latest data engineering trends and applying them to solve complex challenges. Problem Solving & Communication : Strong analytical and problem-solving skills. Excellent communication and collaboration skills. Ability to work independently and as part of a team. Providing guidance and mentorship to other team members , fostering their professional growth and skill development. Experience working with Fintech institutions is a plus. Qualification & Experience (type & industry) B.Tech Degree Skills & know-how Experience level: 3-5 years Minimum 2 years relevant experience in AWS Cloud Data Warehousing experience - Cloud data warehouse - Redshift/SQL In-memory framework exp - Pyspark Data engineering pipeline use case experience : Ingestion of data from different sources to Cloud file system(S3 buckets) and then transforming/processing the data using AWS Glue and finally loading the same to cloud warehouse for Data analytics Big data use cases : Exposure to huge data volumes involving TBs of data for storage/migration/processing. Programming experience in Python Familiarity with Reports/Dashboards using cloud native applications Knowledge of data pipeline orchestration using Airflow - good to have. Understanding of API development Show more Show less

Responsibilities will include: ● Demonstrated experience in Partnerships & Alliances, with exposure to strategy being beneficial. ● Prior experience in the digital lending space within a high-growth environment is essential. ● A comprehensive understanding of digital lending products, fintech platforms, and the Indian regulatory landscape is necessary. ● Familiarity with LOS and LMS systems is required. ● Excellent written and verbal communication, as well as strong negotiation skills, are crucial. ● A proactive and results-oriented attitude, coupled with strong problem-solving and analytical abilities, is expected. ● Candidates should possess strong stakeholder management and project management skills. ● The ability to effectively manage complex business processes is also essential. Qualification & Experience ● Approximately 5 years of experience within the financial services, NBFC, or banking sectors, with a strong background in B2B business development, including client-facing responsibilities. ● A Bachelor's degree in Finance, Business Administration, or a related field. Candidates with a Technology background and relevant business experience are also encouraged to apply. An MBA from a well-regarded institution would be advantageous. ● Some experience in Digital lending in a high growth setup is a plus Skills & know how ● In-depth knowledge of digital lending products (lending product flow), fintech platforms, and the regulatory landscape in India ● Solid understanding of LOS/ LMS systems ● Exceptional communication, negotiation, and digital marketing skills ● Go getter attitude with strong problem-solving skills and analytical skills ● Strong stakeholder management & project management skills ● Excellent written and verbal communication ● Ability to handle complex business processes Show more Show less

Responsibilities will include Ability to advise, draft, review, negotiate and close commercial agreements, including third party agreements, service agreements, partnerships, license agreements etc.; Ability to assist in general corporate matters – should have experience in (Indian) Companies Act, 2013 (related rules/regulations, precedents etc.) and basic knowledge of RBI, SEBI, FEMA; should be able to oversee corporate governance requirements and group companies’ legal affairs; Assist in developing and implementing processes for efficient operations surrounding contract negotiation and processes including preparing and maintaining standard form agreements, contract management systems, and other databases; Ability to lead the communication strategy and ensure that all communications are consistent across all channels (internal or external stakeholders); Preference to be given to candidates who have basic knowledge of regulatory frameworks such as Guidelines of RBI applicable to an NBFC / financial institution Ensure that BharatPe's/subsidiaries policies and procedures are followed and that all commercial arrangements align with company’s policies, other contractual obligations, and applicable laws; Interactions: Ability to proactively engage with regulatory bodies on policy advocacy Ability to collaborate with cross-functional teams to ensure legal compliance and provide guidance on legal matters To succeed in the role Challenges & Decisions Completion of the assigned tasks in time bound manner and within compliance frameworks Qualification & Experience (type & industry) Law Graduate from a recognized university 3-5 years post-qualification experience in a law firm with experience in fintech/banking/M&A and/or general corporate division. Preference would be given to candidates who have prior experience in fintech/banking sector who have extensively work upon debt transactions. Skills & know-how Completion of due diligence exercise Identifying risks and suggesting recommendations Managing counterparts or other advisors on the deal Drafting, reviewing, negotiating and closing all Debt transaction documents such as Facility Agreement, Deed of hypothecation, Debenture trust Deed, Debenture Trustee Agreement, Deed of Guarantee. (NCDs, Term Loans, other debt transactions)

The responsibilities for this role will include: - Conducting early assessment of segment level loss rates and taking prompt action on the segments. - Launching challenger segments and quantifying the expected benefit and loss from the same. - Having exposure to unsecured and secured lending. - Maintaining close interaction with the Product team for recommending changes in policies or workflows. - Demonstrating a detailed understanding of in-house systems and the ability to adapt legacy systems as needed. - Collaborating with teams such as Data Science, Product, and Business to establish and monitor underwriting strategies. - Taking portfolio action through offus behavior from bureau/alternate data triggers. - Monitoring implemented strategies to continuously assess business and risk impact. - Promoting a self-service culture by understanding trends and behaviors in Risk reporting and driving appropriate enhancements to maximize the utilization of reporting and analytics toolsets. - Effectively navigating complex problems and ensuring systematic problem-solving where risk issues are analyzed, options evaluated, and decisions aligned with BharatPe Values. In terms of interaction, the role involves collaborating with teams like Data Science, Product, Technology, and Business. The position requires a hands-on approach to risk segmentation and proactive risk assessment in the portfolio. The ideal candidate should possess a curious mind and the ability to assess acquisition and portfolio level risks. They should be able to constantly identify changes to be initiated and evaluate their impact on business and risk. Qualifications and Experience: - Minimum of 7 years of Risk Analytics or Portfolio Management experience in Financial Services/Fintech, preferably in Credit Card/Unsecured Loan. Skills and Know-how: - Hands-on experience in defining risk strategies, managing portfolios, and building risk models and policies, with strong problem-solving and analytical thinking skills. Behaviors: - A Growth & Tech-first Mindset, demonstrating aggressiveness, a 10x approach, and a focus on building for scale. - Proficiency in quantitative analysis, data mining, trend analysis, and creating insights within large data ecosystems. Proficiency in data tools like SQL/Python. - Experience with Alternate data alongside Bureau Data Management and designing Risk Strategies using the same. - Effective communication and Stakeholder management skills, with the ability to present viewpoints cogently and engage effectively with stakeholders ranging from external partners to CXOs.,

As a valuable team member, your primary responsibility will involve understanding the commercials for each partner and the costs associated with end-to-end operations of each partnership. You will work diligently on reconciliation and accounting requirements, effectively communicating these needs to the product and technology team. Your role will also require you to develop a partner level Profit and Loss statement with the aim of achieving efficiency. You will be expected to suggest and implement better processes to enhance overall efficiencies within the organization. Furthermore, you will collaborate with relevant teams to resolve any unreconciled transactions and streamline operations by eliminating manual processes through close coordination with the Product and Tech team. A crucial aspect of your job will involve tracking key metrics such as projected volumes versus actual volumes, Internal Rate of Return (IRR), number of loans, underlying portfolio class target segment, and consumer profiles. Additionally, you will be responsible for writing and executing business requirement documents and test cases to ensure the smooth functioning of operations. Lastly, you will play a vital role in sharing data with the finance team to facilitate the invoicing process based on various commercial arrangements. Your contribution in this area will be essential in maintaining financial transparency and accuracy throughout the partnership agreements.,

Functional Expertise -Analyze and assess financial risks related to credit, market, operational, and regulatory compliance. -Prepare and review financial reports and ensure accuracy and completeness for internal and RBI regulatory submissions. -Collaborate with cross-functional teams to identify risk factors and develop mitigation strategies. -Extract, manipulate, and analyze data using Excel, SQL, and Python to generate actionable insights. -Monitor changes in regulatory policies and ensure compliance with RBI guidelines. -Assist in the preparation of risk-related documentation, reports, and presentations for senior management. -Participate in audits and assist in risk control assessments. -Understanding of RBI related datapoints NPA, Write-off, ECL walks & calculations etc. Qualification & Experience -Bachelor’s degree in finance, Economics or related field. -0-4 years of professional experience in analytical tools & knowledge of finance & RBI reporting (NBFC experience). -Strong understanding of finance reporting standards and RBI regulatory requirements. -Proficiency in Microsoft Excel (including advanced functions, pivot tables, macros). -Working knowledge of SQL for data querying and extraction – Python addition will be positive. -Good communication skills with the ability to effectively manage and engage stakeholders. -Familiarity with various lending products and comprehensive understanding of multiple facets of Risk. -Proven problem-solving abilities and sound decision-making skills

Functional Expertise Identify, assess, monitor, and report operational risks across business units. Develop the risk control frameworks, policies, and procedures to mitigate operational risk. Conduct root cause analysis of operational incidents and recommend corrective actions. Support Risk and Control Self-Assessments (RCSA) and ensure timely remediation of identified issues. Collaborate with internal stakeholders to promote a risk-aware culture. Prepare the risk reports. Review critical / processes/ SOPs from an operational risk perspective and maintain the process repository and provide inputs to stakeholders. Responsible for monitoring of fraud risk management Assist in regulatory compliance by ensuring adherence to operational risk, Fraud and Outsourcing guidelines. Monitor key risk indicators (KRIs) and follow up on the action plan Monitoring of the Risk Appetite. Performing Risk categorization and due diligence at the time of Onboarding the Outsourced Vendor. Regular Interaction and follow up with the respective SPOC of department on the risks, action items, control testing and etc. Qualification & Experience (type & industry) 2-4 years of professional experience primarily focused on Risk Management within the BFSI sector. Strong communication skills with the ability to effectively manage and engage stakeholders. Familiarity with various lending products and comprehensive understanding of multiple facets of Enterprise Risk. Proven problem-solving abilities and sound decision-making skills.

Responsibilities will include -Day to day/Month end closing for accounting related processes, -Reconciliation of Loan Book, FLDG, write off’s -Managing and validate invoices of all Lending Service Providers (LSP’s) -Work with Statutory and other auditors for seamless closure/finalization of year end books -Reconciliation of Disbursals , collections with Bank Qualifications -CA Fresher/MBA (Finance) with 3 years of Post qualification experience Skills & experiences; -3-5 years years’ experience of Lending Business -Require expert knowledge of MS excel, MS Access -Good to have – 2-3 years work experience in start ups / Fin tech companies -Good hand experience on reconciliation of Loan Book, Disbursals and collection with Bank

Responsibilities will include Draft, review, and negotiate a wide range of contracts including, MSAs (including FLDG arrangements), Vendor agreements, service provider contracts, NDAs, Procurement and operational documentation Maintain contract trackers and document repository Coordinate with internal stakeholders (compliance, tech, ops, finance) for contract inputs Assist the Legal Head on governance and litigation tracking as needed Assist in developing and implementing processes for efficient operations surrounding contract negotiation and processes including preparing and maintaining standard form agreements, contract management systems, and other databases. Ability to lead the communication strategy and ensure that all communications are consistent across all channels (internal or external stakeholders); Preference to be given to candidates who have basic knowledge of regulatory frameworks such as Guidelines of RBI applicable to an NBFC / financial institution Ensure that BharatPe & subsidiaries policies and procedures are followed and that all commercial arrangements align with company’s policies, other contractual obligations, and applicable laws. Interactions: Ability to proactively engage with regulatory bodies on policy advocacy Ability to collaborate with cross-functional teams to ensure legal compliance and provide guidance on legal matters Qualification & Experience ● Law Graduate from a recognized university ● 3-5 years post-qualification experience in a law firm / regulated NBFC with experience in fintech/banking/or general corporate division. ● Preference would be given to candidates who have prior experience in fintech/banking sector who have extensively work upon debt transactions. Skills & know- how ● Drafting, reviewing, negotiating and closing MSAs (especially FLDG arrangements), IT contracts and general contracts ● Completion of due diligence exercise ● Identifying risks and suggesting recommendations ● Managing counterparts or other advisors on the deal ● Drafting, reviewing, negotiating and closing Debt transaction documents such as Facility Agreement, Deed of hypothecation, Debenture trust Deed, Debenture Trustee Agreement, Deed of Guarantee. (NCDs, Term Loans, other debt transactions)would be an added bonus

Responsibilities will include … ▪ Creating policies for merchant loans, personal loans, consumption loans through bureau & alternate data ▪ Engaging with partners to assess quality of top of funnel on a regular basis ▪ Driving Risk & business through analytics & insights ▪ Overall Portfolio Risk monitoring and performance review ▪ Ensuring to conduct specific monitoring of portfolio, analyzing existing customer base and delinquencies levels ▪ Formulation of Risk strategy and come up with customer segmentation on various risk profiles/cohorts to enhance the policies ▪ Engaged in identifying and analyzing Non-Starters /Skip/ NPA Analysis ▪ Collaborating with relevant stakeholders including partners, Business Team, Operations, tech and other support team to understand the portfolio quality and come up with risk mitigations ▪ Provide timely and meaningful business analysis for strategic and relevant topics for Management and Board ▪ Overall ensuring full management and governance of Credit Risk Polices and related regulatory requirements and deliverables ▪ Engaged in regular Portfolio Quality Review, identifying and gathering all critical information, preparing special report and suggesting risk mitigation strategies as a part of regular and ad hoc presentation ▪ Ensuring timely delivery of all the portfolio related investors requirement from Treasury, Strategy, finance. Addressing to investor’s queries on Risk and Portfolio aspects ▪ Responsible for assessing & refining ECL methodology and closely track Credit Cost Qualification & Experience ● B.TECH/ M.TECH/MBA (Finance/Analytics) ● Experience of 8-12 Years ● Experience in Banking/NBFC – Lending Business Skills & know-how ● Strong Analytical skill ● Strong MS Excel and MS PowerPoint ● SQL/Python ● Capability to take prompt decision ● Should have expertise in creating analytical Dashboards for Portfolio (MS Excel based/SQL based) ● Capability to understand the complex issues and come up with mitigants/solutions ● Interact with key stakeholders including Business/Operations/Finance/Collections/LPS Partners/Tech ● Ability to work in fast paced and high ambiguous environment

Responsibilities will include Functional Expertise ⮚ Credit Risk Policies ▪ Design, develop and implement robust risk policies and procedures for Unsecured/Secured Revenue based, Supply Chain, Invoice based financing ensuring alignment with the organization’s risk appetite and regulatory requirement ▪ Conduct comprehensive risk assessments and analysis for unsecured lending portfolios, identifying potential risks and opportunities to enhance risk-adjusted returns. ▪ Independently able to conduct Credit Underwriting for higher ticket size [Upto Rs.5 Crs] proposals for Unsecured – Revenue Based/Supply Chain/Invoice Financing ▪ Oversee credit risk management activities, BRE rules, underwriting standards, and portfolio monitoring, to optimize portfolio performance. ▪ Stay abreast of regulatory developments and ensure strict compliances with relevant regulations, guidelines, and industry standards pertaining to unsecured/secured lending for Revenue Based/Supply Chain/Invoice Financing for higher ticket size ▪ Collaborating with relevant stakeholders including partners, Business Team, Operations, legal, tech, Compliance and other support team to integrate risk alignment with the overall organization goal. ▪ Engaged in regular Credit Quality Review, track key Credit Metrics, identifying and gathering all critical information pertaining to Credit Risk on lending book and suggesting credit risk mitigation strategies as a part of regular and adhoc presentation to management ⮚ Technical Skill ▪ Credit Underwriting [Ticket size upto Rs. 5 Crs] 7 Credit Policies ▪ Strong hold in MS Excel and Powerpoint presentations ▪ Should have expertise in creating analytical Dashboards for Portfolio ⮚ Problem Solving ● Strong analytical skill ● Capability to understand the complex issues and come up with mitigants/solutions ● Attitude to be strictly positive with strong capability to come up with problem solving solutions Challenges & Decisions ● Capability to take prompt decision in a given situation ● Should be able to work towards structuring the Risk function Qualification & Experience ● CA/MBA (Finance) ● Banking/NBFC – Lending Business ● Minimum- 15 years in Risk Policy / Banking Relevant- 7-8 years in Risk Policy and ● Credit roles; experience both in Risk Policy & Credit Underwriting is preferred Skills & know-how ● Credit Underwriting for Unsecured higher ticker size [RBF/SCF] ● Credit Policy formusltion ● Strong MS Excel and MS Powerpoint

Responsibilities will include: Functional Expertise: You will be responsible for designing, developing, and implementing robust risk policies and procedures for Unsecured/Secured Revenue based, Supply Chain, and Invoice based financing, ensuring alignment with the organization's risk appetite and regulatory requirements. This will involve conducting comprehensive risk assessments and analysis for unsecured lending portfolios, identifying potential risks and opportunities to enhance risk-adjusted returns. You should be able to independently conduct Credit Underwriting for higher ticket size [Up to Rs. 5 Crs] proposals for Unsecured Revenue Based/Supply Chain/Invoice Financing. Additionally, overseeing credit risk management activities, BRE rules, underwriting standards, and portfolio monitoring to optimize portfolio performance is crucial. Staying updated on regulatory developments and ensuring strict compliance with relevant regulations, guidelines, and industry standards pertaining to unsecured/secured lending for Revenue Based/Supply Chain/Invoice Financing for higher ticket size will be part of your responsibilities. Collaboration with relevant stakeholders, including partners, Business Team, Operations, legal, tech, Compliance, and other support teams to integrate risk alignment with the overall organizational goal is essential. Engaging in regular Credit Quality Review, tracking key Credit Metrics, identifying and gathering critical information pertaining to Credit Risk on the lending book, and suggesting credit risk mitigation strategies as a part of regular and ad-hoc presentations to management is also required. Technical Skills: You should have expertise in Credit Underwriting [Ticket size up to Rs. 5 Crs] and Credit Policies. A strong proficiency in MS Excel and Powerpoint presentations is necessary. Creating analytical Dashboards for the Portfolio will also be part of your technical skillset. Problem Solving: Demonstrating strong analytical skills and the capability to understand complex issues to come up with mitigants/solutions is crucial. You should maintain a strictly positive attitude with a strong capability to come up with problem-solving solutions. Challenges & Decisions: You must have the capability to make prompt decisions in various situations and work towards structuring the Risk function effectively. Qualifications & Experience: Candidates with a CA/MBA (Finance) qualification and experience in Banking/NBFC Lending Business are preferred. A minimum of 15 years in Risk Policy/Banking with relevant experience of 7-8 years in Risk Policy and Credit roles, including experience in both Risk Policy and Credit Underwriting, is desirable. Skills & Know-how: Skills required for this role include Credit Underwriting for Unsecured higher ticket size [RBF/SCF], Credit Policy formulation, and a strong command over MS Excel and MS Powerpoint.,

As a part of this role, you will be responsible for understanding the commercials associated with each partner and the costs related to the end-to-end operations of each partnership. This includes working on reconciliation and accounting tasks and effectively communicating these requirements to the product and technology teams. Your primary focus will be on developing partner level profit and loss statements with the aim of achieving efficiency. You will also be expected to propose and implement improved processes to enhance operational efficiencies within the partnerships. Collaboration with relevant teams to address any unreconciled transactions is a key aspect of this role. You will need to identify and eliminate manual processes in daily operations by closely collaborating with the Product and Technology teams. Monitoring and tracking various metrics such as projected volumes versus actual volumes, internal rate of return (IRR), number of loans, underlying portfolio class target segment, and consumer profiles will be part of your responsibilities. Additionally, you will be required to write and execute business requirement documents and test cases to support operational needs. Finally, you will play a crucial role in sharing data with the finance team to facilitate invoicing based on different commercial agreements. Your attention to detail and ability to work cross-functionally will be essential in ensuring smooth operations and financial management within the partnerships.,

Responsibilities will include ... Functional Expertise: 1. Product Strategy & Roadmap • Lead the strategy, development, and delivery of lending products, focusing on consumer, SME, and business loan offerings. • Conduct market research and competitive analysis to identify trends and customer needs in the lending space. • Collaborate with cross-functional teams to prioritize features and enhancements that align with business goals. 2. End-to-End Product Lifecycle Management • Oversee the full lifecycle of lending products, from ideation and development to launch and post-launch optimization. • Manage product backlogs, define product requirements, and work closely with development, design, and QA teams to ensure high-quality delivery. 3. Lending Systems Integration & Compliance • Ensure seamless integration with third-party fintech platforms, payment systems, and other service providers to enhance the lending process. • Work with legal and compliance teams to ensure products adhere to local regulations, including KYC/AML requirements, data protection laws, and risk management frameworks. • Collaborate with risk and fraud teams to identify and mitigate potential lending risks. 4. Risk Management & Reconciliation • Collaborate with risk management teams to design and implement strategies that mitigate default risks, fraud, and operational inefficiencies. • Oversee the development of reconciliation tools and ensure the accuracy of lending transactions, repayments, and loan accounting. • Ensure products comply with regulatory and risk management frameworks for loan servicing, collections, and payment processing. 5. Performance Analysis & Reporting • Track key product performance metrics, including loan disbursements, defaults, collections, customer engagement, and profitability. • Prepare and present regular reports and updates to leadership, offering insights and recommendations for continuous improvement. Interaction: ● Collaborate with engineering, design, and data analytics teams to conceptualize, develop, and launch new lending products and features tailored to the Indian market. ● Establish and maintain relationships with external partners, including fintech platforms like LSP to facilitate integration opportunities to drive business growth. ● Ensure that all lending products and features comply with regulatory requirements imposed by the Reserve Bank of India (RBI) and other relevant authorities, collaborating closely with legal and compliance teams to navigate regulatory complexities effectively. Problem Solving: ● Display customer centric mindset. ● Can understand customer problems and develop innovative solutions. ● Monitor key performance metrics specific to product performance data and derive actionable insights to continuously improve product performance. ● Conduct market and competitive analysis to identify opportunities for growth and differentiation. Qualification & Experience ● BE/ B. Tech or equivalent degree; MBA will be a plus. ● 3-5 years of experience in product management, preferably in the fintech industry with a focus on lending products in the Indian market ● Experience in working with LMS, LOS, KYC process, risk BRE and payment tools such as eNACH and PGs. ● Experience in Fintechs/NBFCs/Banks (Digital banking verticals) Skills & know-how ● Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams and influence stakeholders at all levels. ● Demonstrated ability to think strategically, prioritize initiatives, and drive results in a fast-paced, dynamic environment. ● Knowledge of agile development methodologies and experience working with product management tools such as JIRA, Confluence, or similar platforms.

The responsibilities of this role will include drafting, reviewing, and negotiating a variety of contracts such as MSAs (including FLDG arrangements), vendor agreements, service provider contracts, NDAs, procurement and operational documentation. You will be responsible for maintaining contract trackers and document repositories, as well as coordinating with internal stakeholders from compliance, tech, ops, and finance departments for contract inputs. Additionally, you will assist the Legal Head with governance and litigation tracking when needed. You will also play a key role in developing and implementing processes for efficient operations related to contract negotiation and processes, including preparing and maintaining standard form agreements, contract management systems, and other databases. Furthermore, you should be able to lead the communication strategy to ensure consistency across all channels, whether internal or external. Candidates with basic knowledge of regulatory frameworks such as Guidelines of RBI applicable to an NBFC/financial institution will be preferred. It is essential to ensure that company policies and procedures are followed, and that all commercial arrangements align with these policies, other contractual obligations, and applicable laws. Experience in drafting, reviewing, and negotiating general contracts, including Master Service Agreements (MSAs), vendor/service provider agreements, NDAs, and similar documents will be advantageous. Legal research skills will be required to provide actionable legal opinions or notes on emerging regulatory changes, industry developments, and strategic projects. In terms of interactions, the role involves proactively engaging with regulatory bodies on policy advocacy and collaborating with cross-functional teams to ensure legal compliance and provide guidance on legal matters. Qualifications for this position include being a Law Graduate from a recognized university with 3-5 years of post-qualification experience in a law firm or regulated NBFC, preferably with experience in fintech/banking or general corporate division. Candidates with prior experience in the fintech/banking sector with extensive work on debt transactions will be given preference. Key skills required for this role include drafting, reviewing, negotiating, and closing MSAs (especially FLDG arrangements), IT contracts, and general contracts. Additionally, completion of due diligence exercises, identifying risks, suggesting recommendations, managing counterparts or other advisors on the deal, and drafting, reviewing, negotiating, and closing debt transaction documents such as Facility Agreement, Deed of hypothecation, Debenture trust Deed, Debenture Trustee Agreement, and Deed of Guarantee (NCDs, Term Loans, other debt transactions) would be considered an added bonus.,

Join TrillionLoans – A BharatPe Group Company Driving India's fintech revolution in digital lending At TrillionLoans , a leading Non-Banking Financial Company (NBFC) under the BharatPe Group umbrella, we are redefining the future of digital lending through innovative financial solutions tailored for businesses across India. Our commitment to compliance, transparency, and customer-centricity sets us apart in the fintech space. We are looking for a talented and experienced Legal Manager to join our team and play a critical role in managing our legal and regulatory affairs. What you’ll do: Advise, draft, review, negotiate, and close a variety of commercial agreements including third-party contracts, service agreements, partnerships, and license agreements. Support general corporate legal matters with a solid understanding of the Indian Companies Act, 2013, and related regulations, including corporate governance and group company legal affairs. Assist in creating and streamlining processes for efficient contract negotiation and management, including developing and maintaining standard form agreements and legal databases. Lead and oversee communication strategies to ensure consistent messaging across internal and external stakeholders. Engage proactively with regulatory bodies, providing policy advocacy support, and ensuring compliance with RBI, SEBI, FEMA, and other relevant frameworks, especially those applicable to NBFCs/financial institutions. Ensure that all legal and commercial arrangements comply with BharatPe’s policies, contractual obligations, and applicable laws. Who's the right fit? A Law Graduate from a recognized university with 3-5 years post-qualification experience, preferably from a law firm. Experience in fintech, banking, M&A, and/or general corporate legal matters is essential. Candidates with prior exposure to debt transactions and the fintech/banking sector will be given preference. Strong knowledge of Indian regulatory frameworks such as RBI guidelines for NBFCs, SEBI, FEMA, and Companies Act compliance. A proactive legal professional who can collaborate effectively across cross-functional teams and engage with regulatory bodies confidently. If you want to be part of a fast-growing NBFC at the forefront of fintech innovation and compliance, come join TrillionLoans and help us build the future of digital lending. Share your CV at - ishika.jain@trillionloans.com along with your current compensation and notice period details.

In this role as a Functional Expertise in Credit Risk Policy, you will be responsible for designing, developing, and implementing robust risk policies and procedures for various types of loans including Retail Term loans, MSME Term loans, Unsecured/Secured Revenue based loans, Supply Chain financing, and Invoice based financing. Your primary focus will be to ensure that these policies align with the organization's risk appetite and regulatory requirements. Key Responsibilities: - Design and develop credit policies and conduct risk assessments and analysis for unsecured lending portfolios - Evaluate business and policies of partners, review critical parameters before go-live, and monitor the portfolio - Oversee credit risk management activities, underwriting standards, and portfolio monitoring to optimize performance - Stay updated on regulatory developments and ensure strict compliance with relevant regulations and industry standards - Collaborate with stakeholders including partners, Business Team, Operations, Legal, Tech, Compliance, and other support teams to integrate risk alignment with organizational goals - Engage in regular Credit Quality Review, track key Credit Metrics, and suggest credit risk mitigation strategies In terms of Problem Solving, you should have a strong proficiency in MS Excel and PowerPoint presentations. Additionally, you should be able to create analytical Dashboards for Portfolio review. Interpersonal Skills: - Strong analytical skills - Ability to understand complex issues and provide solutions - Work with LSPs/partners to ensure a well-defined credit approval flow - Positive attitude and problem-solving-oriented mindset Qualifications & Experience: - CA/MBA (Finance) qualification - 6-8+ years of experience in Credit Risk function in Fintech/Bank/NBFC/Financial service - Experience across Risk Policy/Analytics - Exposure to multiple products such as Term loans, MSME loans, Supply chain financing, secured loans, etc. Skills & Know-how: - Proficiency in SQL/Python with an analytics focus - Good interpersonal skills - Entrepreneurial skills - Flexibility to work in different situations Please note that the company-specific details were not provided in the job description.,