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